Capital Trust, CBV Partner for Digital Credit to Small Retailers
By Shishta Dutta | Updated at: Oct 13, 2025 05:33 PM IST
Mumbai, 4 July 2025: In a significant move towards deepening digital credit access across India’s fast-moving consumer goods (FMCG) ecosystem, Capital Trust Limited (NSE: CAPTRUST, BSE: 511505), a prominent non-banking financial company (NBFC), has announced a strategic collaboration with CBV Ventures. Launched on 1 July 2025, this partnership aims to provide digitise credit delivery for over 6,600 small retailers, kirana stores, and vendors by leveraging fintech infrastructure.
Fintech Collaboration Aims to Transform Informal Retail Credit Access
The initiative marks Capital Trust’s entry into digital financial services for India’s informal retail sector through CBV Ventures’ hybrid distribution network. Beginning with 25 hubs in the National Capital Region (NCR), the pilot phase currently serves around 2,000 mom-and-pop stores, utilising CBV’s existing 76 distribution hubs that recorded consolidated sales of ₹41 crore in FY 2024–25.
End-to-End Digital Credit Services to Empower Retailers
Capital Trust will introduce a range of digital solutions to modernise credit access and repayment systems for small vendors and retailers. The key components of the partnership include:
| Initiative | Description |
|---|---|
| Pre-Approved Loans | Capital Trust to extend credit based on CBV’s transaction data |
| Co-Branded Credit Lines | Digital credit lines for end vendors and kirana retailers |
| Digital Onboarding | Integrated KYC solutions for fast merchant enrollment |
| Collections & Repayment | Data-driven workflows using credit behaviour analytics |
These services will be complemented by Buy Now Pay Later (BNPL) offerings, QR code payment options, and AI-powered credit scoring to support last-mile financial inclusion.
Leadership Comments Highlight Impact on Growth and Financial Inclusion
Vahin Khosla, Managing Director of Capital Trust Ltd., commented,
“Our goal is to bring India’s informal sector into the formal economy using technology and trust. Through our collaboration with CBV Ventures, we aim to empower small retailers by offering them access to structured and timely credit.”
Echoing the sentiment, Paawan Kapur, Director at CBV Ventures, said,
“This partnership strengthens our vendor network by fuelling entrepreneurship and growth across the FMCG value chain. Capital Trust’s credit capabilities will drive financial empowerment at the grassroots level.”
Expected to Catalyse 3–5X Growth in Digital Credit Adoption
The partnership is expected to increase CBV’s sales outreach by 40% and generate 3–5X growth in fintech adoption among small retailers within the first three months of the pilot. The digital-first approach is designed to scale rapidly as the programme expands beyond NCR.
About Capital Trust Limited
Capital Trust is a publicly listed NBFC with over three decades of experience in enterprise lending. With more than 250 branches nationwide, the company has disbursed over ₹4,000 crore in loans to more than 12 lakh micro and small business owners, focusing on rural and semi-urban areas.
About CBV Ventures
CBV Ventures operates a tech-enabled FMCG distribution platform catering to kirana stores, restaurants, institutional caterers, and railway vendors. Its unique hybrid distribution model serves retailers across India through strategically located hubs.
REF: https://nsearchives.nseindia.com/corporate/CAPTRUST_04072025154242_covering_letter_and_press_release.pdf
Disclaimer: At HDFC SKY, we take utmost care and due diligence in curating and presenting news and market-related content. However, inadvertent errors or omissions may occasionally occur.
If you have any concerns, questions, or wish to point out any discrepancies in our content, please feel free to write to us at content@hdfcsec.com.
Please note that the information shared is intended solely for informational purposes and does not make any investment recommendations
