Capri Global Capital Limited · NSE:CGCL
Capri Global Capital — Investor Presentation (November 2026)
80 slides from Capri Global Capital's investor presentation, Nov 6, 2026
Slide 1: Exchange filing cover letter
November 06, 2026 The Secretary The Secretary The Secretary The Secretary BSE Limited National Stock India International NSE IFSC Limited Pheeroze Jeejeebhoy Exchange of India Exchange (IFSC) Unit-1201, 12th Towers, Dalal Street, Limited Limited Floor, Fort, Mumbai 400 001 Exchange Plaza, 5th 1st Fl
Slide 2: Capri Global Capital Corporate Presentation November 2026
Capri Global Capital Corporate Presentation November 2026
Slide 3: Table of Content
Table of Content 1 Positioning Highlights 2 Key Strategies 3 Annual Financial Performance 4 Quarterly Financial Performance 5 ESG 6 Annexure
Slide 4: Capri Global Capital – Company Overview
Capri Global Capital – Company Overview Key Highlights Product Offerings ➢ Retail focused & Granular Portfolio ➢ Fully Secured & Diversified Loan book Insurance MSME Loan Distribution ➢ Catering Unbanked and Underserved segment Car Loan Micro LAP AUM Distribution ➢ Self Employed & Salaried customers
Slide 5: Capri Global Capital - Journey
Capri Global Capital - Journey CAPRI 1.0: Establishing the bedrock for multifold growth CAPRI 2.0: Cementing leadership through Tech & AI (₹ Bn) Demonetisation NBFC Crisis Covid CAGR 52.2% AUM 439 Branches 400 366 300 229 200 157 103 100 40 48 66 0 4 18 0 Inception 4 38 87 90 124 740 955 1,111 1,429
Slide 6: Capri Global Capital at a Glance
Capri Global Capital at a Glance Retail-Focused, Secured, High Growth, Well-Diversified & Tech-Enabled NBFC ₹439bn ₹80 bn 15,408 AUM (Q2 FY27) Net worth (Q2 FY27) Employees Growth at Scale 62% YoY 1,609 20 States & UTs 823K+ Branches Geographical spread Customers Pan-India Distribution 40+ | 11+ ₹30
Slide 7: Positioning Highlights
1 Positioning Highlights
Slide 8: India's Growth Story Creates a Structural Credit Tailwind
India’s Growth Story Creates a Structural Credit Tailwind Macro expansion, favourable demographics and digital adoption are widening the opportunity for formal retail credit India on track to become world’s 3rd largest economy # Economy Rank 3 $ 5.0 Tn (4.12%) 2 $ 19.6 Tn 1 (5.82%) Economy Rank $ 30
Slide 9: Retail Credit continues to Remain Significantly Underpenetrated
But Retail Credit continues to Remain Significantly Underpenetrated Low formal credit penetration creates a long runway for lenders focused on secured and underserved segments India’s retail credit remains underpenetrated and…. 138% 143% 198% 139% 93% 94% 67% 76% 69% 60% 50% 42% 36% 34% South UK US
Slide 10: NBFCs are Poised to Win With Specialized Business Models
Resultingly, NBFCs are Poised to Win With Specialized Business Models Specialised underwriting, local presence and high-touch servicing create a differentiated role in underserved markets Unique proposition to cater to the “aspiring” and T2/T3 segment NBFC credit to grow at 15-17% between FY25 and F
Slide 11: Capri Global's Focus Segments Present a ₹26tn Opportunity
Capri Global’s Focus Segments Present a ₹26tn Opportunity NBFCs are poised to capture share in key retail lending segments; low penetration provides a long runway for growth 27.0% 19.0% 0.5% 1.0% ₹ 51 tn ₹ 42 tn(2) MSME Market Size(3) Housing Market Size(3) loans loans ₹8 tn ₹83 bn ₹14 tn ₹70 bn NBF
Slide 12: Addressable Market Opportunity: Gold Loans
Large Addressable Market Opportunity across Focus Segments : Gold Loans Significant unleveraged household gold pool presents a deep, collateral-backed lending opportunity Gold Loan Credit Gap/Demand Potential (1) Gold Loan Market Size and Growth (FY2021-27E) Household Gold (tonnes) Pledged Unpledged
Slide 13: Addressable Market Opportunity: MSME Loans
Large Addressable Market Opportunity across Focus Segments : MSME Loans Large, underpenetrated MSME segment offers a multi-year opportunity for scalable credit expansion MSME Loan Credit Gap / Demand Potential MSME loan market size and growth (FY2021-27E) Overall credit demand: MSME loans (₹ Tn) <15
Slide 14: Addressable Market Opportunity: Housing Loans
Large Addressable Market Opportunity across Focus Segments : Housing Loans Structural housing demand continues to drive sustained mortgage-led credit growth Housing Loan Credit Gap / Demand Potential Housing loans market size and growth (FY2021-27E) LIG EWS MIG & above (ATS ₹ 1.5 Mn – ₹ 5 Housing lo
Slide 15: Leading to Strong Growth with Improving Key Metrics
Leading to Strong Growth with Improving Key Metrics Growth across customers, branches and earnings has been supported by stronger operating and risk outcomes FY22 Q2 FY27 Scaled rapidly with the launch of new products and AUM (₹ Bn) 66 6.6x 439 expansion of co-lending AUM Strong growth in customer a
Slide 16: Diversified Business by Product and Geography
Capri Global has Diversified Business by Product and Geography… Product Diversification – Entering into New Segments Geographical Diversification – Entering into New Markets# Top 3 regions constitute ~68% of the Top 3 regions constitute ~50% of Portfolio the Portfolio 4.7% 17.1% 16.0% 1.1% 19.1% 1.0
Slide 17: Branch Network
Branch Network Widening reach, Strengthening presence nationwide MSME, Housing Finance, Gold Loan Branches 01 Construction Finance and Car Loan Distribution 19 1,154 Branches in 17 States & UTs 04 09 455 Branches in 20 States & UTs 114 06 26 04 85 185 165 104 54 13 01 147 62 01 01 150 52 03 ➢ Total
Slide 18: Gold Loans | Retail Focused with Granular and Secured Loan Book
Gold Loans | Retail Focused with Granular and Secured Loan Book WHO ARE OUR CUSTOMERS? WHAT OUR CUSTOMERS NEED? Led by end-to-end ➢ Small business owners, Salaried individuals, Women entrepreneurs & Small and marginal farmers ➢ Transparent, timely and hassle-free customer experience digital journey
Slide 19: Gold Loan - Key Highlights
Gold Loan - Key Highlights 01 Superior execution capability – fastest amongst peers to reach average AUM per branch of INR 182 million within ~4 and half years of launch Hassle free digital loan journey for valuation, disbursal, multiple 02 repayment modes and customer service – 100% paperless; prop
Slide 20: MSME Loans | Retail Focused with Granular and Secured Loan Book
MSME Loans | Retail Focused with Granular and Secured Loan Book WHO ARE OUR CUSTOMERS? WHAT OUR CUSTOMERS NEED? Transforming Business ➢ Self Employed Non-Professional (SENP) and underserved ➢ Working capital, purchase of equipment and vehicles Loans with advanced e.g. Provision stores, retail outlet
Slide 21: MSME Loan - Key Highlights
MSME Loan - Key Highlights 01 Long Vintage of more than 10 years 02 Deep understanding of sector specific nuances and focus on SENP customers with assessed income 03 Hybrid sourcing model with mix of in-house sales and business partners for balancing growth versus opex 04 Hub and Spoke branch model
Slide 22: Affordable Housing Loans | Retail Focused with Granular and Secured Loan Book
Affordable Housing Loans | Retail Focused with Granular and Secured Loan Book WHO ARE OUR CUSTOMERS? WHAT OUR CUSTOMERS NEED? Offering Affordable ➢ Underserved – SENP & formal salaried customers ➢ Home/Plot purchase, extension, renovation, Home equity Housing Loans with ➢ Majorly First-time home buy
Slide 23: Retail Construction Finance | Granular and Secured Loan Book
Retail Construction Finance | Retail Focused with Granular and Secured Loan Book WHO ARE OUR CUSTOMERS? WHAT OUR CUSTOMERS NEED? High yield segment with ➢ Small & mid-sized real estate developers in Metro and ➢ Financing required by builders for construction of Tier 1 cities affordable homes low ope
Slide 24: Retail Construction Finance – Key Highlights
Retail Construction Finance – Key Highlights 01 Niche expertise - deep knowledge of the regional markets with vintage of 14+ years; Faster TAT 02 Granular portfolio - focus on projects with smaller ticket size and shorter tenure (~2.6 years) Security cushion - exclusive lender with construction link
Slide 25: Insurance Distribution - Asset Light Income Stream
Insurance Distribution - Asset Light Income Stream Strategic Partnerships with 23 Insurance Companies Policies | Key Statistics Gold 26% 9 10 4 Cross Sell 35% Housing 36% ₹ 782 ₹ 782 mn mn Direct 65% MSME 32% Life Insurance General Insurance Health Insurance Others 6% Companies Companies Companies •
Slide 26: Car Loan Origination
Car Loan Origination 27% YoY increase in the value of loan originations for the quarter Consistently Rising Loan Originations (₹ mn)^ Loan Originations (₹ mn) and Volume Full Year Basis (Nos.)^ 34,918 36,005 32,898 32,829 Originations Volume 28,304 1,19,097 1,05,519 1,10,316 97,415 94,636 1,00,744 5
Slide 27: Car Loan Origination | Complementary Asset Light Income Streams
Car Loan Origination | Complementary Asset Light Income Streams Amongst the large non-dealer third party distributor Pan-India coverage through presence in 821 locations in 30 States & UTs 02 Partner Banks & Financial Institutions 13 Partner Banks & financial 15 institutions 04 26 23 36 04 04 04 821
Slide 28: In-house Developed Advanced Technology Platform
Capri Global has In-house Developed Advanced Technology Platform Significant Investment in Advanced Technology and Data Analytics Capabilities Dedicated 150+ member on- Efficiently designed system roll team, committed to 1 5 architecture - customizable delivering advanced solutions and scalable plat
Slide 29: Suite of Applications for Digital Journey of Mortgage Loans
Complete Suite of Applications for End-to-end Digital Journey of Mortgage Loans Disbursement & 1 Customer Onboarding 2 Credit Underwriting 3 Customer Engagement 4 Collections & Legal Lead Generation Loan Processing Digital Disbursement AI Led Digital Collection Spark Mobility App: Direct Sales In-ho
Slide 30: Prudent Provisioning and Healthy Asset Quality
Prudent Provisioning and Healthy Asset Quality Healthy Asset Quality and Adequate Provisioning ~35%^ NPA (%) PCR (%) Login to Sanction 2.4% ratio 45.2% (Superior Customer 41.7% 41.2% Selection) 1.9% 1.7% 33.3% 1.7% 30.9% 30.5% 1.5% 100.0% 1.2% 1.2% 1.1% Secured loans 0.9% 0.9% (Collateral cushion) 0
Slide 31: Collections | Disciplined And Data Analytics Driven Approach
Collections | Disciplined And Data Analytics Driven Approach Customised channel wise collection strategy basis past customer behavior; 100% managed in-house PRE-BOUNCE STRATEGY POST-BOUNCE STRATEGY ✓ ML based EWS model for customer risk profiling, bounce rate & ✓ Sloppy payer model – roll back and r
Slide 32: Robust Balance Sheet and Efficient Liability Management
Capri Global has Robust Balance Sheet and Efficient Liability Management… Capital Adequacy - CRAR (%) Funding Mix (Q2 FY27) Borrowings Maturity Profile 39.9 33.1 23% > 5 years Upto 1 month 30.5 53% 2.0% 1 month to 1 5.5% 26.9 27.7 27.8 3-5 years year 20.2% 27.6% 26.6 25.8 22.8 22.7 2% Total: ₹396 bn
Slide 33: Leveraging co-lending for capital efficient expansion
Leveraging co-lending for capital efficient expansion Additional Funding Source & High RoE Accretion CGCL retains 20-30% CGCL earns spread and Additional source of 1 while co-lending partners (CLPs) retain the balance 2 loan servicing fee on the co-lending loans 3 funds while conserving capital and
Slide 34: Strong Corporate Governance
Strong Corporate Governance Distinguished and Qualified Board Comprised Majorly of Independent Directors Lingam Venkata Subramanian Rajesh Sharma Ajit Mohan Sharan Nupur Mukherjee Shishir Priyadarshi Prabhakar Ranganathan Chairman & Managing Director Independent Independent Independent Independent I
Slide 35: Experienced and Stable Management Team
Experienced and Stable Management Team Proven track record of scaling businesses CORPORATE FUNCTIONS Divya Sutar Kishore Lodha Sanjeev Srivastava President & ED — Strategy Chief Financial Officer Chief Risk Officer GMP (Harvard Business School), Ex-UGRO Finance, Hinduja Finance, 34 Ex-IIFL Finance,
Slide 36: Experienced and Stable Management Team
Experienced and Stable Management Team Proven track record of scaling businesses RETAIL BUSINESS RETAIL CONSTRUCTION FINANCE FEE BASED BUSINESS Ravish Gupta Vijay Kumar Gattani Rohit Chugh Chief Business Officer — Gold Chief Business Officer - CF Head – Insurance Distribution Ex-IIFL, GE Money, HDFC
Slide 37: Capri Global - Summary Highlights
Capri Global - Summary Highlights Retail Focused: Retail secured lending has massive under penetration and large credit gap; Retail NBFCs better placed; >85% Retail and 100% Secured loan book; 17.5% Yields, 8.3% Spread and 9.6% NIM for Q2 FY27 Huge Market Opportunity: Focus Segments MSME loans, Micr
Slide 38: Capri Global - Summary Highlights
Capri Global - Summary Highlights Robust Credit Underwriting with Deep Expertise - Comprehensive assessment approach enabled through in-house tech applications Disciplined Collections: Leveraging AI & data analytics for real time monitoring and process efficiency; 100% in-house Healthy Asset Quality
Slide 39: Key Strategies
2 Key Strategies
Slide 40: Way Ahead: Strategic Initiatives to Drive Scale
Way Ahead: Strategic Initiatives to Drive Scale… Key initiatives • Offer customized products to underserved high growth markets and focus on revenue diversification Diversify our Product Offerings • Scale and expand product suite Geographic Expansion and • Open new branches in existing and new state
Slide 41: … and Deliver Sustainable Return
… and Deliver Sustainable Return Key levers for RoE expansion Growth Margin High Quality Cost Efficiency Underwriting Opportunity + Expansion + Fee Income + + Efficiency Drive AUM Increase in Operating share of high Expansion of leverage from growth through Reduction in yield products; Car Loan exis
Slide 42: Annual Financial Performance
3 Annual Financial Performance
Slide 43: Performance Highlights –Q2 & H1 FY27
Performance Highlights –Q2 & H1 FY27 (In ₹ mn unless stated otherwise) Q2FY27 Q2FY26 YoY H1FY27 H1FY26 YoY AUM 438,780 270,400 62% 438,780 270,400 62% Net Interest Income 8,125 4,795 69% 15,488 8,920 74% Non Interest Income 2,730 2,034 34% 4,871 3,727 31% Operating Expenses 4,492 3,377 33% 8,675 6,0
Slide 44: AUM and Loan Growth
AUM and Loan Growth Consolidated AUM Up 52% CAGR FY22-Q2FY27 AUM Break Up (₹ mn) Gross Loans Break Up (₹ mn) CAGR CAGR 52% 45% 438,780 347,951 310 366,233 310 75,028 49% 49% 288,402 75,028 178 178 57,081 83,253 57,081 41% 36% 70,422 228,602 74,469 187,803 2,042 2,042 64,889 156,540 41,329 138,230 41
Slide 45: Segment Wise Loan Yields
Segment Wise Loan Yields Improving Yields MSME (%)* Housing Finance (%)* 16.7% 16.7% 13.7% 16.1% 13.4% 15.9% 13.2% 15.7% 12.8% 12.7% 12.8% 15.2% FY22 FY23 FY24 FY25 FY26 Q2FY27 FY22 FY23 FY24 FY25 FY26 Q2FY27 Gold Loans (%)* Retail Construction Finance (%)* 18.6% 19.2% 19.1% 18.6% 17.8% 17.8% 17.7%
Slide 46: Yields & Margins
Yields & Margins Improving spreads and margins Yield on Net Advances (%) Cost of Borrowings (%)1 17.5% 9.6% 9.5% 9.3% 9.2% 16.2% 16.4% 8.6% 15.8% 8.3% 15.2% 14.9% FY22 FY23 FY24 FY25 FY26 Q2FY27 FY22 FY23 FY24 FY25 FY26 Q2FY27 Note: Yield calculated as interest income including INDAS adjustments for
Slide 47: Financial Highlights
Financial Highlights High yield asset mix, liquidity sufficiency supportive of strong growth in interest income Net Interest Income (₹ mn) 8,125 7,364 19,979 5,956 4,795 5,103 13,314 9,856 6,354 5,074 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 FY22 FY23 FY24 FY25 FY26 Net Total Income (₹ mn) 10,854 9,504 28
Slide 48: Financial Highlights
Financial Highlights Continued momentum in fee income ; 34% YoY growth for the quarter Non-Interest Income (₹ mn) 2,730 1,229 2,719 3,820 5,014 8,597 2,472 2,404 210 183 2,034 2,141 148 647 506 1,519 1,692 46 342 196 81 278 421 2,313 548 697 954 253 662 653 420 552 428 628 214 41 1,128 1,157 1,273 3
Slide 49: Financial Highlights
Financial Highlights Accelerated operational efficiency through productivity gains and targeted tech integration Operating Expenses (₹ mn) 5.7% 6.0% 5.5% 6.1% 6.8% 6.1% 5.3% 4.8% 4.7% 3.9% 4,492 14,112 3,873 4,160 4,184 3,377 31% 10,987 29% 23% 28% 28% 9,120 32% 32% 32% 5,751 77% 72% 69% 29% 71% 68%
Slide 50: Financial Highlights
Financial Highlights Profitable scale powered by margin expansion, cost discipline and risk controls Operating Profit (₹ mn) Operating Profit as a % of Avg. Total Assets* Operating Profit as a % of Avg. Total Assets 6,363 14,469 5,321 4,263 , 3,453 3,634 6.6% 7,341 6.1% 5.8% 4,556 3,767 3,322 5.4% 5
Slide 51: Financial Highlights
Financial Highlights Scaling profits faster; PAT rises 77% YoY for the quarter Profit After Tax (₹ mn) 9,492 4,183 3,534 2,828 2,360 2,554 4,785 2,781 2,035 2,047 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 FY22 FY23 FY24 FY25 FY26 Return on Avg. Assets & Return on Avg. Equity (% annualized) 4.4% 16.5% 4.1%
Slide 52: Financial Highlights
Financial Highlights Comfortable leverage and strong capital adequacy position EPS & Book Value per Share (₹) 3.7 4.3 10.2 2.7 2.9 2.5 5.8 2.9 2.5 3.4 78.6 82.8 74.9 69.4 72.0 74.9 46.4 52.2 43.2 27.4 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 FY22 FY23 FY24 FY25 FY26 BVPS EPS BVPS EPS D/E (x) | CRAR 2.5 2.
Slide 53: Liability Mix
Liability Mix Diversification led by market borrowings and co-lending Funding Profile (₹ mn) Consolidated Borrowings Break-up (₹ mn) 80,582 122,375 196,567 318,952 395,700 75,113 104,069 155,768 239,818 304,890 474 23% 61,539 310 2% 51,785 24% 14% 270 2% 2% 37,852 330 2,42,878 8% 7% 1,89,026 2% 32,6
Slide 54: Asset-Liability Position
Asset-Liability Position Cumulative surplus across buckets 1,60,000 All amount in ₹ mn 1,40,000 1,04,970 1,37,710 1,40,000 1,13,020 1,20,000 1,29,660 1,20,000 1,15,470 1,00,000 93,350 1,00,000 No 75,260 Maturity risk 89,530 80,000 (Cumulative net inflow 80,000 for all buckets) 71,440 60,000 60,530 6
Slide 55: Segmental NPAs
Segmental NPAs MSME Loan Housing Finance GNPA NNPA GNPA NNPA 4.0% 3.9% 3.9% 3.4% 1.5% 3.0% 3.1% 1.4% 1.2% 1.3% 1.2% 1.0% 2.9% 2.5% 1.1% 2.1% 2.0% 0.9% 1.6% 1.7% 0.8% 0.8% 0.7% 0.8% FY22 FY23 FY24 FY25 FY26 Q2FY27 FY22 FY23 FY24 FY25 FY26 Q2FY27 Gold Loan Retail Construction Finance GNPA NNPA GNPA NN
Slide 56: Asset Quality
Asset Quality Adequate provisioning coverage ₹ mn except stated ECL Analysis FY22 FY23 FY24 FY25 FY26 Q2 FY27 Stage 1 - Gross 57,255 90,920 129,580 175,797 277,537 318,879 Stage 1 - ECL Provisions 377 461 619 779 1,576 1,842 Stage 1 - Net 56,877 90,459 128,961 175,019 275,961 317,037 Stage 1 - ECL P
Slide 57: RoAA Tree
RoAA Tree Calculated as % of Average Assets (%) FY22 FY23 FY24 FY25 FY26 Q2 FY27 Interest income 13.0% 12.3% 13.5% 14.5% 13.9% 15.3% Interest expenses 5.1% 5.6% 6.2% 7.1% 6.5% 6.8% Net interest income 7.9% 6.7% 7.3% 7.4% 7.5% 8.5% Net Car Loan Fee 0.4% 1.2% 0.8% 0.5% 0.4% 0.4% Co-lending Income 0.3%
Slide 58: Consolidated Balance Sheet
Consolidated Balance Sheet Annual Comparison All figures in ₹ mn except stated otherwise Balance Sheet FY22 FY23 FY24 FY25 FY26 FY22-26 CAGR Liabilities Paid-up equity 351 412 825 825 962 Reserves and surplus 18,873 35,242 37,541 42,216 71,073 Total Equity 19,225 35,655 38,366 43,041 72,035 39.1% Bo
Slide 59: Quarterly Financial Performance
4 Quarterly Financial Performance
Slide 60: Business Update
Business Update Comprehensive growth across all business segments driving overall AUM expansion AUM Break Up (₹ mn) Composition of AUM (%) 0.3% 0.4% 0.1% 0.0% 0.1% 438,780 401,116 18.4% 16.8% 15.6% 15.8% 17.1% 366,233 310 71 304,065 75,028 20.3% 19.5% 19.0% 178 22.1% 21.3% 270,401 63,316 57,081 1,22
Slide 61: Retail AUM
Retail AUM Leveraging co-lending & DA for capital efficient growth Co-Lending/DA AUM (₹ mn) Gold AUM (₹ mn) 21.0% 23.5% 21.3% 20.3% 20.7% 210,038 191,786 CLM AUM/Cons.AUM 90,834 169,646 81,263 63,051 71,383 77,831 12,831 56,487 10,749 127,992 53,685 56,772 9,580 104,065 9,296 8,247 50,179 53,685 56,
Slide 62: Segmental Yields
Segmental Yields Robust yields sustained across business segments alongside AUM growth MSME (%)* Housing Finance (%)* 17.3% 13.7% 16.8% 16.8% 16.7% 13.3% 13.2% 13.2% 13.4% 16.4% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Construction Finance (%)* Gold Loans (%)* 18.6% 17.9
Slide 63: Loan Yields and Margins
Loan Yields and Margins Resilient spreads with robust yields mitigating modest increase in cost of borrowings Yield on Net Advances (%) Cost of Borrowings (%)1 17.5% 17.0% 9.6% 16.5% 9.4% 16.4% 16.3% 9.2% 9.1% 9.2% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Note: Yield cal
Slide 64: Segmental NPAs
Segmental NPAs Disciplined credit underwriting continues to safeguard asset quality MSME Housing Finance GNPA NNPA GNPA NNPA 3.0% 3.0% 3.0% 3.1% 3.1% 1.5% 1.4% 1.2% 1.2% 1.0% 1.6% 1.5% 1.6% 1.7% 1.7% 0.9% 0.9% 0.7% 0.8% 0.8% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Gold
Slide 65: Asset Quality
Asset Quality Conservative provisioning stance enabling asset quality control ₹ mn except stated ECL Analysis Q2FY27 Q1FY27 Q4FY26 Q3FY26 Q2FY26 Stage 1 - Gross 318,879 304,395 277,537 220,712 202,606 Stage 1 - ECL Provisions 1,842 1,838 1,576 1,054 1,067 Stage 1 - Net 317,037 302,557 275,961 219,65
Slide 66: RoAA Tree
RoAA Tree Quarterly Comparison Calculated as % of Average Assets (%) Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Interest income 14.8% 14.5% 14.6% 15.3% 15.3% Interest expenses 6.8% 6.7% 6.6% 6.8% 6.8% Net interest income 8.0% 7.8% 8.0% 8.5% 8.5% Net Car Loan Fee 0.4% 0.3% 0.3% 0.4% 0.4% Co-lending Income 1.
Slide 67: Consolidated Income Statement
Consolidated Income Statement Quarterly & Annual Comparison ₹ mn except stated Particulars Q2FY27 Q2FY26 Y-o-Y (%) Q1FY27 Q-o-Q (%) H1FY27 H1FY26 YoY (%) Interest earned 14,646 8,854 65% 13,229 11% 27,874 16,918 65% Interest expense 6,521 4,059 61% 5,865 11% 12,387 7,998 55% Net interest income 8,12
Slide 68: Consolidated Balance Sheet
Consolidated Balance Sheet Quarterly Comparison ₹ mn except stated Particulars Q2FY27 Q2FY26 YoY (%) Q1FY27 QoQ (%) Paid-up Equity 962 962 0% 962 0% Reserves and Surplus 78,614 65,769 20% 74,692 5% Total Equity 79,576 66,730 19% 75,654 5% Bank Borrowings 254,955 158,356 61% 250,193 2% Debt Securitie
Slide 69: ESG
5 ESG
Slide 70: Strong ESG Performance Underpinned by Measurable Impact and Robust Governance
Strong ESG Performance Underpinned by Measurable Impact and Robust Governance Financial inclusion, governance and sustainability initiatives support responsible growth Key ESG impact highlights (1) Best-in-class ESG scores Environmental (E) Social (S) Governance (G) Name of the ESG rating provider R
Slide 71: Key Pillars of ESG - Fostering Sustainable and Responsible Operations
Key Pillars of ESG - Fostering Sustainable and Responsible Operations Responsible operations and social impact are embedded into the operating model Environmental stewardship Social empowerment Governance excellence • Environment management system-like • Expanding financial access for • Strong gover
Slide 72: Corporate Governance Framework
Corporate Governance Framework Board of Directors Nomination & Board Credit Risk Remuneration Committee 5 Independent Board of Directors Information Asset Liability Audit Committee including one woman Director Security Committee COMMITTEES Stakeholder Separate Chairman and Managing Director CSR Rela
Slide 73: Shareholding
Shareholding ₹238bn ₹ 79.6bn ₹ 962mn ₹1 US$2.48bn2 Market capitalisation1 Cons. Equity (Sep’26) Paid-up Equity Face Value 10.04% NOTES 1. Market capitalization NSE on 30th Sep’26. Promoter Group 2. 1 US$ = ₹ 95.98 Institutional Shareholders 3. CGCL is part of 30.04% ✓ Nifty Smallcap 250 Momentum Qua
Slide 74: Annexure
6 Annexure
Slide 75: Delivering Impactful Customer Outcomes
Delivering Impactful Customer Outcomes Gold loans MSME loans Housing loans “I wanted some funds “Capri offered me a “When I applied for “I am extremely “I was able to realize “Today people respect for my son's education good interest rate and the loan, I didn’t have grateful to Capri my dream only m
Slide 76: Building the Brand Capri Loans – Brand Ambassadors
Building the Brand Capri Loans – Brand Ambassadors Key Brand Ambassadors amplify the Brand message and build resonance and affinity with our target audience Lady Superstar Nayanthara along with acclaimed actor Pankaj Tripathi, reinforce Capri Loans' commitment to building a strong and relatable conn
Slide 77: Building the Brand Capri Loans
Building the Brand Capri Loans Established Capri Loans in South India with 2 brand campaigns starring Nayanthara: #DreamsGetWings & #TryCapriGoldLoans The idea was to drive brand awareness & active product consideration, while inviting them to try the brand thereby driving footfalls 141 Mn+ 93.8% +1
Slide 78: Awards and Recognitions
Awards and Recognitions Excellence in AI-Driven Financial Services & Innovation award at the ET Corporate Environment Excellence Award by World National Housing Bank – Winner in the Category of Growth in Business Excellence & Leadership Summit 2026 Environment Council in 2026 Housing Loan (Asset siz
Slide 79: Disclaimer
Disclaimer This presentation and the accompanying slides (the “Presentation”), which have been prepared by Capri Global Capital Limited (the “Company”), have been prepared solely for information purposes only and does not constitute any offer or invitation, directly or indirectly, in any manner, or
Slide 80: Our Vision and Mission
Our Vision To create an inclusive & transformative credit ecosystem, with equal & fair access to capital for people & businesses and help them fulfil their potential. Our Mission Our mission is to empower more people and businesses with our versatile loan offerings. We believe in building pathways o
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