Capri Global Capital Limited · NSE:CGCL
Capri Global Capital — Debt Investor Presentation (June 2026)
52 slides from Capri Global Capital's debt investor presentation, Jun 29, 2026
Slide 1: Regulation 30(6) disclosure to stock exchanges
Date: June 29, 2026 To BSE Limited National Stock Exchange India International NSE IFSC Limited, Phiroze Jeejeebhoy of India Limited Exchange (IFSC) Limited Unit No.1201, Towers Dalal Street 5th Floor, Exchange Plaza, 1st Floor, Unit No. 101, Brigade International Mumbai – 400001 Bandra (East) The S
Slide 2: Capri Global Capital Limited Investor Presentation
Capri Global Capital Limited Investor Presentation June & July 2026
Slide 3: Transaction Summary
Transaction Summary Issuer Capri Global Capital Limited Issue Fixed rate, Senior Secured US$ bonds Issuer Rating BB- (stable outlook) Fitch / Ba3 (stable outlook) Moody’s Size US$ Benchmark Tenor WAL [3.25Y] Coupon [ ]% p.a. payable semi-annually A first ranking pari passu charge (by way of hypothec
Slide 4: Table of Content
Table of Content 1 Company Overview 4 2 Product Overview 16 3 Technology, Data Science and AI 23 4 Balance Sheet and ALM 26 5 Financial Highlights 31 6 Corporate Governance 38 7 Appendix 43
Slide 5: Company Overview
1 Company Overview
Slide 6: 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 7: Decadal Journey of Consistent Growth and Strategic Evolution
Witnessing a Decadal Journey of Consistent Growth and Strategic Evolution Platform has evolved through multiple business launches while strengthening its technology and operating backbone CAPRI 1.0: Establishing the bedrock for multifold growth CAPRI 2.0: Cementing leadership through tech (₹ mn) Dem
Slide 8: Becoming Fast-Growing NBFC Platform with Strong Fundamentals
Becoming Fast-Growing NBFC Platform with Strong Fundamentals Scale, profitability, asset-quality discipline and capital strength create a solid foundation for the next phase of growth ₹366,237mn ₹71,212 mn 13,775 AUM Net worth (FY26) Employees Growth at Scale 60% YoY 1,429 20 States & UTs 680K+ Bran
Slide 9: Product Summary
Product Summary Segment-wise Product Characteristics and Lending Framework CUSTOMER PROFILE Gold Loan SECURITY LTV Yield ATS¹ ₹mn Tenor Individuals incl. small business owners, salaried, Loan against Gold Jewellery Pledge of Gold Ornaments ~66.29% ~16.82% ~0.17 Up to 3y women, farmers LENDING PRODUC
Slide 10: AUM Growth
AUM Growth Consolidated AUM Up ~53% during FY24-FY26 AUM Break Up (₹ mn) CAGR* 156,540 228,601 366,237 53% 2.0% 0.9% 0.1% 18.1% 15.6% 16.7% 48% 20.3% 26.9% 22.8% 33% 22.3% 35.2% 46.3% 120% 32.1% 23.1% 14% 17.7% FY24 FY25 FY26 MSME Gold Housing Construction Finance Others With gold steadily rising as
Slide 11: Diversified Business by Product and Geography
Diversified Business by Product and Geography… Hedged against Cyclical Risks Product Diversification – Entering into New Segments Geographical Diversification – Entering into New Markets2 Gold constitutes the largest portfolio share (~46.3%) Top 3 regions constitute ~51% of the Portfolio in FY26 0.1
Slide 12: Deep and Extensive Branch Network
…Delivered through Deep and Extensive Branch Network Significant Investments in Branch Expansion - Rapidly Growing with Deeper Penetration across States ➢ Total branch network of 1,429 branches 01 11 ➢ Dedicated tech center in Gurgaon, Noida and Mumbai 06 108 25 01 74 14 168 137 10 95 48 01 133 117
Slide 13: Board of Directors
Board of Directors Distinguished and Qualified Board Comprised Majorly of Independent Directors Lingam Venkata Ajit Mohan Sharan Nupur Mukherjee Shishir Priyadarshi Subramanian Rajesh Sharma Prabhakar Ranganathan Chairperson & Managing Independent Independent Independent Independent Independent Dire
Slide 14: 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 Deepening • Open new branches in existing and
Slide 15: To Deliver Strong Returns
… to Deliver Strong Returns… 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 existing
Slide 16: Summary Highlights
Summary Highlights Retail Led Business: Strong retail focus with >84% retail AUM and ~100% secured loan book; 16.1% yield, 8.8% NIM. Track Record of Execution Excellence: Delivered ~53% AUM CAGR*; 1,429 branches across 20 states & UTs Diversified Business Mix: MSME (including Micro LAP), Affordable
Slide 17: Product Overview
2 Product Overview
Slide 18: Gold Loans
Gold Loans | Retail Focused with Granular and Secured Loan Book AUM (₹ mn) Geographical Distribution Rajasthan 4% 5% 20% Uttar Pradesh 8% 1,69,646 Madhya Pradesh 7% Gujarat Punjab & Haryana 80,422 12% Delhi NCR 18% 34,910 Maharashtra Uttarakhand FY24 FY25 FY26 12% 14% Other WHO ARE OUR CUSTOMERS? WH
Slide 19: MSME Loans
MSME Loans | Retail Focused with Granular and Secured Loan Book AUM (₹ mn) Geographical Distribution 2% 3% Rajasthan 3% 4% 64,874 Madhya Pradesh 5% 50,174 52,789 Gujarat 38% Andhra Pradesh Delhi NCR 22% Telangana Maharashtra FY24 FY25 FY26 23% Uttar Pradesh WHO ARE OUR CUSTOMERS? WHAT OUR CUSTOMERS
Slide 20: Affordable Housing Loans
Affordable Housing Loans | Retail Focused with Granular and Secured Loan Book AUM (₹ mn) Geographical Distribution 1% 5% Madhya Pradesh 74,458 6% 23% Rajasthan 52,019 10% Delhi NCR 42,091 Gujarat Maharashtra 13% Uttar Pradesh 22% Uttarakhand FY24 FY25 FY26 20% Others WHO ARE OUR CUSTOMERS? WHAT OUR
Slide 21: Retail Construction Finance
Retail Construction Finance | Retail Focused with Granular and Secured Loan Book Strong Asset Cover and Attractive Yields AUM (₹ mn) Geographical Distribution 8% Maharashtra 57,081 11% Gujarat 41,329 36% Karnataka 26,213 11.4% Telangana Delhi NCR FY24 FY25 FY26 12% Others 22% WHO ARE OUR CUSTOMERS?
Slide 22: Insurance Distribution
Insurance Distribution Complementary Asset Light Income Streams Strategic Partnerships with 18 Insurance Companies 9 5 4 Life Insurance General Insurance Health Insurance Companies Companies Companies • Life Insurance • Property Cover • Retail & Group Health • Credit Life Cover • Private Car & 2-Whe
Slide 23: Car Loan Origination
Car Loan Origination | Complementary Asset Light Income Streams 18% YoY Increase in the Value of Loan Originations Pan-India coverage through presence in 821 locations in 30 States & UTs2 Loan Originations (₹ mn) 02 15 1,14,569 14 Partner Banks & 26 04 105,519 97,415 financial 23 36 04 institutions
Slide 24: Technology, Data Science and AI
3 Technology, Data Science and AI
Slide 25: 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 ~180 member on-roll Efficiently designed system team, committed to delivering 1 5 architecture - customizable and advanced solutions scalable platf
Slide 26: Suite of Applications for Digital Mortgage Loan Journey
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 27: Balance Sheet and ALM
4 Balance Sheet and ALM
Slide 28: Robust Balance Sheet and Efficient Liability Management
Robust Balance Sheet and Efficient Liability Management… Comfortable Liquidity Position Capital Adequacy – CRAR (%) Consolidated Net worth (INR mn) 71,212 30.5 27.7 26.6 26.9 25.9 22.8 42,194 37,659 FY24 FY25 FY26 FY24 FY25 FY26 CGCL (Standalone) CGHFL CRAR remains comfortably above the minimum regu
Slide 29: Asset-Liability Position - CGCL Standalone
Asset-Liability Position - CGCL Standalone Maintains minimum 3 months of liquidity coverage at any given point 4,50,000 1,20,000 1,06,928 4,00,000 No 96,301 3,84,258 1,00,000 3,50,000 Maturity risk (Cumulative net inflow for all 3,17,587 3,02,575 3,00,000 buckets) 2,87,291 80,000 81,683 2,50,000 62,
Slide 30: Enhanced Borrowing Mix
Enhanced Borrowing Mix Widening lender base and increase in share of market borrowings Diversified Borrowing Profile (₹ mn) Consolidated Borrowings Break-up (₹ mn) 1% 2% 1% 5% 104,069 155,768 241,121 4% 3% 4% 7% 2% 6% 5% 3% 12% 310 11% 51,785 270 83% 76% 37,852 73% 330 1,89,026 32,633 1,17,646 71,10
Slide 31: Co-lending with Partner Banks
Co-lending with 11 Partner Banks Additional Funding Source & High RoE Accretion CGCL retains 20-30% CGCL earns spread and Additional source of 1 while co-lending partners (CLPs) retain 2 loan servicing fee on the co-lending loans 3 funds while conserving capital and boost RoE 4 Diversification of bo
Slide 32: Financial Highlights
5 Financial Highlights
Slide 33: Strong Segmental Yields
Strong Segmental Yields1 Robust Yields Sustained Alongside AUM Growth Gold Loans (%) MSME (%) 19.9% 17.3% 18.6% 15.9% 16.8% 15.4% FY24 FY25 FY26 FY24 FY25 FY26 Housing Finance (%) Construction Finance (%) 13.1% 12.7% 12.7% 17.8% 17.5% 17.8% FY24 FY25 FY26 FY24 FY25 FY26 Average balances are calculat
Slide 34: Yield and Margins
Yield and Margins Sustained Yield growth supported by Efficient Pricing Yield and Cost of Funds (%) Net Interest Margins (%)1 16.2% 16.1% 15.1% 8.8% 8.5% 8.5% 9.6% 9.0% 9.0% FY24 FY25 FY26 FY24 FY25 FY26 Cost of Funds Yield on Avg. Total Int. earning assets NIM % Note: Cost of Funds = Finance costs
Slide 35: Financial Highlights
Financial Highlights High share of non-interest income Net Interest Income1 (₹ mn) Non-Interest Income^ (₹ mn) 8,620 20,331 47% 13,637 5,019 10,195 3,837 48% 45% 42% 27% 33% 28 % 19% 11% FY24 FY25 FY26 FY24 FY25 FY26 Net Car Loan Fee Co-Lending Income Other Non-interest Income Credit Costs (₹ mn) Co
Slide 36: Financial Highlights
Financial Highlights Improving Return Metrics Operating Profit (₹ mn)1 Operating Expense (₹ mn)2 14,470 20% 20% 19% 9% 8% 7% 11% 12% 10% 7,341 5.4% 4,569 61% 60% 64% 4.1% 3.4% FY24 FY25 FY26 FY24 FY25 FY26 Operating Profit as a % of Avg. Total Assets Employee Cost Fee & Commission D&A Other Opex Pro
Slide 37: Prudent Provisioning and Healthy Asset Quality
Prudent Provisioning and Healthy Asset Quality Healthy Asset Quality and Adequate Provisioning NPA (%) PCR (%) 1.9% 45.2% 41.7% 41.2% ~38%^ 1.5% Login to Sanction ratio (Superior Customer Selection) 1.1% 0.9% 0.9% 0.5% ~100.0% Secured loans (Collateral cushion) FY24 FY25 FY26 FY24 FY25 FY26 Gross Ne
Slide 38: Supported by Segmental NPAs
Supported by Segmental NPAs Improving trends in MSME and Gold loan segments Gold Loan MSME Loan GNPA NNPA GNPA NNPA 4.0% 4.0% 1.0% 0.8% 3.0% 0.8% 0.7% 0.3% 2.2% 2.1% 1.7% 0.2% FY24 FY25 FY26 FY24 FY25 FY26 Housing Finance Retail Construction Finance GNPA NNPA GNPA NNPA 1.0% 1.4% 1.2% 1.0% 0.2% 0.3%
Slide 39: Corporate Governance
» 6s ) Corporate Governance
Slide 40: Experienced and Stable Management Team (1/2)
Experienced and Stable Management Team (1/2) Experienced and Stable Management with over 20 years of avg. experience CORPORATE FUNCTIONS Divya Sutar Kishore Lodha Sanjeev Srivastava President & ED- Business Strategy Chief Financial Officer Chief Risk Officer Ex-Viteos Capital Markets & XL Ex-UGRO Fi
Slide 41: Experienced and Stable Management Team (2/2)
Experienced and Stable Management Team (2/2) Veteran Business Heads with over 25 years of avg. experience RETAIL BUSINESS RETAIL CONSTRUCTION FINANCE FEE BASED BUSINESS Ravish Gupta Vijay Kumar Gattani Rohit Chugh Director – Credit – Construction Business Head – Insurance Chief Business Officer — Go
Slide 42: Strong Corporate Governance Framework
Strong Corporate Governance Framework Board of Directors Risk Management Nomination & Board Credit Committee Remuneration Committee 5 Independent Board of Directors including one woman Director Asset Liability Information Security Audit Committee Committee COMMITTEES Separate Chairman and Managing D
Slide 43: ESG Snapshot & Ratings
ESG Snapshot & Ratings Received Second-Party Opinion (SPO) rated “Good” by Sustainable Fitch for Environmental (E) Social (S) Governance (G) Company’s Sustainable Financing Framework (SFF) 23% Reduction of 15,519 Beneficiaries 100% DEI training for E-Waste Compared Reached Including senior managemen
Slide 44: Appendix
7 Appendix
Slide 45: Shareholding: Ownership Structure & Capital Position
Shareholding Ownership Structure & Capital Position Institutional Investors Other Public Shareholders, 14.4% Corporate Structure4 Capri Global Capital Limited Institutional Shareholders, 100% 100% 25.7% Capri Global Housing Capri Loans Car Platform Promoter Group, Finance Ltd. Private Limited (CLCPP
Slide 46: RoAA Tree
RoAA Tree Calculated as % of Average Assets (%) 2024 2025 2026 Interest income 13.52% 14.48% 13.93% Interest expenses 5.95% 6.9% 6.33% Net Interest Income (A) 7.57% 7.58% 7.60% Non-Interest Income (net of fee and commission) (B) 2.85% 2.79% 3.22% Net income (C) = (A) + (B) 10.42% 10.37% 10.82% Emplo
Slide 47: Consolidated Income Statement
Consolidated Income Statement Annual Comparison All figures in ₹ mn except stated otherwise Profit and Loss A/C FY 24 FY 25 FY 26 FY 24- FY 26 Revenue from operations 23,129 32,475 47,311 Other Income 13 33 109 Total Income 23,142 32,508 47,420 43% Finance costs 8,359 12,736 17,298 Fees and commissi
Slide 48: Consolidated Balance Sheet
Consolidated Balance Sheet Annual Comparison All figures in ₹ mn except stated otherwise Balance Sheet FY24 FY25 FY26 FY24-26 CAGR Liabilities Paid-up equity 825 825 962 Reserves and surplus 37,541 42,216 71,073 Total Equity 38,366 43,041 72,035 37.02% Borrowings 104,069 155,768 241,121 52.21% Other
Slide 49: Disclaimer (1/3)
Disclaimer (1/3) NOT FOR RELEASE, PUBLICATION OR DISTRIBUTION, DIRECTLY OR INDIRECTLY, IN OR INTO THE UNITED STATES, EXCEPT TO “QUALIFIED INSTITUTIONAL BUYERS” (AS DEFINED IN RULE 144A UNDER THE U.S. SECURITIES ACT OF 1933, AS AMENDED) OR IN ANY OTHER JURISDICTION IN WHICH SUCH RELEASE, PUBLICATION
Slide 50: Disclaimer (2/3)
Disclaimer (2/3) If a prospective investor is an asset management arm affiliated with a CMI, such prospective investor should indicate when placing an order if it is for a fund or portfolio where such CMI or its group company has more than 50% interest, in which case it will be classified as a “prop
Slide 51: Disclaimer (3/3)
Disclaimer (3/3) This presentation has not been and will not be reviewed or approved by any regulatory or statutory or adjudicatory authority in India or by the Indian stock exchanges. The securities mentioned herein will not be offered sold, resold, pledged, delivered, distributed or transferred, d
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