Capital Trade Links
Capital Trade Links Limited is an RBI-registered NBFC and publicly listed BSE entity providing personal, business, vehicle, property-backed, EV, and corporate loans to salaried individuals, self-employed borrowers, and MSMEs across India via digital channels and five regional branches.
- Company typePublic
- Founded2015
- HeadquartersGhaziabad, India
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Capital Trade Links does
Capital Trade Links Limited (BSE scrip code 538419) is a publicly listed, RBI-registered Non-Banking Finance Company (NBFC) headquartered in New Delhi that provides retail and small-business credit to underserved Indian borrowers. The company offers a diversified loan portfolio spanning unsecured personal loans, business loans, vehicle loans, loan against property, corporate loans, EV loans, e-rickshaw loans (up to 24-month tenure), and small-ticket mobile loans (up to INR 1 lakh). It also operates a Capital Markets vertical providing equity capital markets, debt capital markets, and SME IPO listing advisory services. Revenue is generated through interest income (rates starting from 20% per annum), loan processing fees (INR 1,500 to 3% of loan amount plus GST), and late payment charges (3% of EMI). Customer segments span salaried individuals, self-employed professionals, and MSMEs requiring quick access to formal credit, with a minimum income threshold of INR 25,000 per month.
Capital Trade Links firmographics
Firmographics- Name
- Capital Trade Links
- Legal name
- Capital Trade Links Limited
- Website
- https://capitaltrade.in
- Company type
- Public
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Capital Trade Links Limited is an RBI-registered NBFC and publicly listed BSE entity providing personal, business, vehicle, property-backed, EV, and corporate loans to salaried individuals, self-employed borrowers, and MSMEs across India via digital channels and five regional branches.
- Ownership category
- akta.pro rank
Capital Trade Links industry classification
Industry- Product category
- Non-Banking Financial Services (Retail & MSME Lending)
- NAICS
- Commercial Banking (52211)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)
- akta.pro secondary industry
- SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)
Keywords
Where Capital Trade Links is headquartered
LocationHeadquarters
- HQ city
- Ghaziabad
- HQ country
- India
- HQ region
- Asia
Offices5 records
Markets served
Capital Trade Links business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Interest Income: CTL earns interest income on various loan products including personal loans, business loans, vehicle loans, loans against property, and corporate loans. Interest rates start from 20% per annum and are calculated on daily outstanding balance.
- Processing Fees: The company charges processing fees ranging from minimum INR 1500 to maximum 3.0% of the loan amount (with GST applicable) for loan origination services.
- Late Payment Charges: Penalty charges of 3% of EMI are levied for delayed payments on monthly loan installments.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Interest Rates starting from 20% per annum |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
Capital Trade Links product offering
Product offeringCore offering
Capital Trade Links Limited is a Reserve Bank of India-registered Non-Banking Finance Company (NBFC) that provides retail and MSME credit products including personal, business, vehicle, loan-against-property, corporate, electric vehicle, e-rickshaw, and mobile loans, alongside capital markets services covering equity/debt capital markets and SME IPO listing advisory. The company also operates a renewable-energy subsidiary, Capital Green Dynamic Solution Pvt Ltd, supporting its diversified financial-services business across India.
Product overview
Capital Trade Links Limited is an NBFC (Non-Banking Finance Company) registered with RBI that operates as a financial services platform offering a comprehensive suite of loan products including Personal Loans, Business Loans, Vehicle Loans, Loan Against Property, Corporate Loans, EV Loans, E-Rickshaw Loans, and Mobile Loans. The company also offers Capital Markets services including Equity Capital Markets (IPOs, Rights Issues), Debt Capital Markets (debt instruments and bonds), and SME IPO Listing Services. Additionally, the company has a subsidiary called Capital Green Dynamic Solution Pvt Ltd (established December 13, 2025) that provides renewable energy and solar solutions including Rooftop Solar Systems, EPC Services, Battery Storage, Operations & Maintenance, Smart Metering, and Energy Consultancy, featuring an AI-powered Smart Solar Planner for personalized recommendations. The product portfolio includes both traditional lending products and emerging clean energy solutions, connected through the Capital Loan mobile application for customer convenience.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Loan Unsecured personal loan product targeted at salaried and self-employed individuals for personal consumption needs such as medical, travel, education, or household expenses.
- Business Loan Credit facility extended to micro, small, and medium enterprises (MSMEs) and self-employed borrowers to fund working capital requirements, business expansion, or operational needs.
- Vehicle Loan Secured loan product that finances the purchase of new or used vehicles (two-wheelers and four-wheelers) for individuals and small business owners, with the vehicle typically serving as collateral.
- Loan Against Property (LAP) Secured loan product where borrowers pledge residential or commercial property as collateral to obtain credit for business or personal needs, typically offered at higher ticket sizes than unsecured loans.
- Corporate Loan Structured credit facility extended to corporate borrowers, partnerships, and limited companies for working capital, capex, and general corporate purposes.
- Electric Vehicle (EV) Loan Specialized loan product financing the purchase of electric vehicles, supporting India's clean-mobility adoption by enabling consumers and fleet operators to acquire EVs.
- E-Rickshaw Loan Targeted loan product for financing the purchase of electric three-wheelers (e-rickshaws), primarily serving last-mile mobility operators and small commercial drivers in tier-2 and tier-3 Indian cities.
- Mobile Loan Consumer financing product that enables individuals to purchase mobile handsets through equated monthly installments (EMIs), typically partnered with retailers and OEMs.
- Capital Markets Services Advisory and intermediation services covering equity capital markets, debt capital markets, and SME IPO listing support, helping growth-stage businesses access public markets and institutional investors.
Quantifiable outcome
- Same day loan decisions
- +3 more outcomes
Companies that use Capital Trade Links
Customer profileSegments4 records
Ideal customer profiles2 records
Capital Trade Links technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability4 records
Capital Trade Links partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered minor and core.
- Urgent CashminorLending partner operating from Office No. 1, 3rd Floor, Mahalaxmi Metro Tower, C-1, C-2, Sector-4, Vaishali, Ghaziabad-201010. Provides additional distribution reach for loan products.
- Fintech PartnerscorePrimary fintech app partner enabling 100% online loan applications. Borrowers can apply from anywhere using the Fintech Partners App, fill required fields and upload documents in minutes.
- Mas Services LimitedminorRegistrar and Share Transfer Agent for Capital Trade Links. Located at T-34, 2nd Floor, Block T, Okhla Industrial Estate Phase 2, New Delhi-110020. Contact: [email protected], 011-2638-7281
- M/s Attiuttam Singh & AssociatesminorSecretarial Auditors - Practicing Company Secretary firm based in New Delhi providing secretarial audit services.
- M/s Raj Gupta and Co.minorStatutory Auditors - Chartered Accountants (FRN: 000203N) providing statutory audit services.
- Capital Green Dynamic Solution Pvt LtdminorA renewable energy and solar-integrated solutions company established December 13, 2025, in Delhi. Delivers sustainable power solutions across NCR. May have operational or brand association with CTL.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Capital Trade Links competitors and assessment
Company assessmentBroad incumbents
- SBI (State Bank of India): India's largest commercial bank offering personal loans, business loans, vehicle finance, and LAP at lower rates. Overlaps heavily with CTL's product set but competes with structural advantages (deposit funding, scale, branch).
- Bajaj Finance: India's largest retail-focused NBFC offering personal loans, business loans, vehicle loans, and LAP. Comparable product set to CTL but at vastly greater scale and with a national branch and digital footprint.
- Manappuram Finance: Listed Indian NBFC offering gold loans, microfinance, vehicle finance, and SME loans. Comparable NBFC product breadth and listed status, though materially larger and more diversified geographically.
- Muthoot Finance: India's largest gold-loan NBFC and a publicly listed retail lender with extensive branch network. Comparable NBFC structure and listed-equity capital model, but gold-loan focused rather than unsecured consumer/SME.
Emerging players
- Spandana Sphoorty Financial: Indian microfinance NBFC serving self-employed, lower-income borrowers in underserved markets. Comparable in serving thin-file borrowers in Tier 2/3 India, but focused on group lending rather than CTL's individual/secured approach.
Direct peers
- MAS Financial Services: Mid-sized Indian NBFC providing SME, micro-enterprise, vehicle, and two-wheeler loans. Closely comparable in scale, product set, and target segment to CTL.
- Shriram Finance: Large Indian NBFC focused on vehicle finance, SME, and small-business lending, with strong presence in Tier 2/3 markets. Comparable customer segment (self-employed, small business) and product mix to CTL.
- Cholamandalam Investment and Finance Company: Indian NBFC providing vehicle finance, SME loans, home loans, and LAP. Directly comparable in secured retail/SME lending orientation, though with significantly larger AUM and branch network.
- Five Star Business Finance: Indian NBFC focused on secured small-business and LAP lending to self-employed borrowers in Tier 2/3 markets. Closely comparable customer segment and product mix to CTL's SME/LAP offerings.
- IIFL Finance: Diversified Indian NBFC offering personal, business, gold, and LAP, plus capital markets services. Closely comparable business model to CTL including lending + capital markets fee income.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Capital Trade Links social profiles
Digital presenceCapital Trade Links financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capital Trade Links leadership team
Management profileNumber of profiles
Profiles2 records
Capital Trade Links subsidiaries and ownership
Company hierarchySubsidiaries1 record
Capital Trade Links funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capital Trade Links M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Capital Trade Links
What does Capital Trade Links do?
Capital Trade Links Limited is a Reserve Bank of India-registered Non-Banking Finance Company (NBFC) that provides retail and MSME credit products including personal, business, vehicle, loan-against-property, corporate, electric vehicle, e-rickshaw, and mobile loans, alongside capital markets services covering equity/debt capital markets and SME IPO listing advisory. The company also operates a renewable-energy subsidiary, Capital Green Dynamic Solution Pvt Ltd, supporting its diversified financial-services business across India.
Is Capital Trade Links a public or private company?
Capital Trade Links is a public company. It is classified as public and is currently operating.
When was Capital Trade Links founded?
Capital Trade Links was founded in 2015. It employs 1 to 10 people.
Where is Capital Trade Links based?
Capital Trade Links is headquartered in Ghaziabad, India, in the Asia region.
How does Capital Trade Links make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are processing Fees and late Payment Charges.
Who are Capital Trade Links's main competitors?
Broad incumbents on record are SBI (State Bank of India), Bajaj Finance, Manappuram Finance and Muthoot Finance. Spandana Sphoorty Financial is listed as an emerging player. Direct peers are MAS Financial Services, Shriram Finance, Cholamandalam Investment and Finance Company, Five Star Business Finance and IIFL Finance.
Does Capital Trade Links have an API?
No public API is recorded for Capital Trade Links.
What industry is Capital Trade Links in?
Capital Trade Links's product category is Non-Banking Financial Services (Retail & MSME Lending). Its primary akta.pro industry code is FSABABAB, SME Business Lending (Term Loans, Lines of Credit, Overdrafts), with a secondary code of FSABABAF, SME Trade Finance & Working Capital (LCs, Guarantees, Receivables). Its NAICS code is 52211 and its SIC code is 6153.