Capri Global Capital (531595) Corporate presentation summary

Business overview and growth trajectory

• Achieved 50% AUM CAGR from FY22 to 9MFY26, reaching ₹304,065 mn AUM and 1,331 branches across 21 states and UTs.

• Focuses on retail, secured, and diversified lending, with >80% retail and 100% secured loan book.

• Product suite includes MSME, gold, affordable housing, micro LAP, retail construction finance, car loan distribution, and insurance.

• Serves underserved and unbanked segments, especially in Tier 2/3/4 cities.

• Advanced in-house technology and data science drive operations, collections, and risk management.

Financial performance and profitability

• Q3FY26 AUM up 47% YoY; PAT up 99% YoY to ₹2,554 mn; ROAA at 4.0%, ROAE at 15.0%.

• 9MFY26 PAT up 122% YoY to ₹6,663 mn; cost-income ratio improved to 49.4%.

• Net interest income grew 48% YoY in 9MFY26; non-interest income forms 32% of total income.

• Maintains robust capital adequacy (CRAR 30.3%) and diversified funding with 30+ lenders.

• High collection efficiency and disciplined credit costs support strong profitability.

Asset quality and risk management

• GNPA/NNPA at 1.18%/0.67% as of Q3FY26; provision coverage at 43.6%.

• Segmental NPAs show improvement across MSME, housing, gold, and construction finance.

• 99.9% of loans are secured; robust in-house collections and analytics-driven recovery processes.

• Prudent provisioning with ECL coverage and no ALM mismatch.