Capri Global Capital Limited · NSE:CGCL
Capri Global Capital — Investor Presentation (May 2026)
78 slides from Capri Global Capital's investor presentation, May 14, 2026
Slide 1: Exchange intimation letter: Corporate Presentation May 2026
May 14, 2026 The Secretary The Secretary BSE Limited National Stock Exchange of India Limited Pheeroze Jeejeebhoy Towers Exchange Plaza, 5th Floor Dalal Street, Fort Plot No- 'C' Block, G Block Mumbai - 400 001 Bandra-Kurla Complex, Bandra (East) Scrip Code: 531595 Mumbai – 400 051 Scrip Code: CGCL
Slide 2: Capri Global Capital Corporate Presentation May 2026
Capri Global Capital Corporate Presentation May 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 ➢ Self Employed & Salaried customers Micro LAP AUM Distribution
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 (₹ mn) Demonetisation NBFC Crisis Covid 366,233 CAGR 53% AUM 350000 300000 Branches 250000 228,602 200000 156,540 150000 103,205 100000 48,480 66,347 40,347 50000 4,26
Slide 6: Capri Global Capital at a Glance
Capri Global Capital at a Glance Retail-Focused, Secured, High Growth, Well-Diversified & Tech-Enabled NBFC Scale of Operations Distribution Liability Profile Asset Quality Profitability ₹366,233 mn 35+ 6.9% / 8.6% 1,429 0.88% / 0.50% AUM Lender Loan spreads / NIM Number of GNPA / NNPA 60% YoY Relat
Slide 7: Positioning Highlights
1 Positioning Highlights
Slide 8: Capri Global has Significant Potential to Scale and Grow
1 Capri Global has Significant Potential to Scale and Grow Track record of execution and scaling business – fast growing NBFC with 53% AUM CAGR FY22 FY26 AUM (₹ mn) 66,347 5.5x 366,233 Customers 38,675 17.9x 693,473 Branches 117 12.2x 1,429 Employees 3,202 4.3x 13,758 PAT (₹ mn) 2,050 4.6x 9,486 Net
Slide 9: Favorable Macro and Monetization of Household Savings to Lead the Retail Credit Growth
2 Favorable Macro and Monetization of Household Savings to Lead the Retail Credit Growth India’s Golden Age | 3rd Largest Economy by 2030, “Developed” Aspiration by 2047 India’s GDP to Increase by $3.1 Trn in 7 Years from CY23 to CY30P, ~2.4 times of Increase from CY2016 to CY2023 $3.6 Tn $6.8 Tn $2
Slide 10: Massive Market Opportunity - Retail Secured Lending Under-penetration and Credit Gap
Massive Market Opportunity - Retail Secured Lending Has Significant Under 2 penetration and Credit Gap Capri Global is a Retail Focused Secured Lender – >80% Retail and 100% Secured Book Retail credit to grow on a faster pace compared to overall credit MSME Loan remains underpenetrated with signific
Slide 11: NBFCs Well Placed with Unique Strengths to Grow Strongly
2 NBFCs Well Placed with Unique Strengths to Grow Strongly Unique Proposition to cater to the “Aspiring” and T2/T3 segment Rural Reach – Access to geographies outside the ambit Understanding of Micro Markets – Nuances of the of Bank’s customer segment geography & services business High Touch Model –
Slide 12: Capri Global’s Focus Segments have Strong Growth Opportunity
3 Capri Global’s Focus Segments have Strong Growth Opportunity Capri Global is focussing on providing loans in high growth segments to underbanked & underserved customers Industry MSME Loan Industry Housing Loan NBFC Share: 24% HFC Share: 20% Capri Market Share: <0.5% 58 - 60 Capri Market Share: 0.5
Slide 13: Capri Global has Diversified Business by Product and Geography
4 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 ~51% of the Portfolio Portfolio 4.7% 0.1% 1.1% 1.0% 1.2% 2.5%
Slide 14: Delivered through Extensive Branch Network
5 …Delivered through Extensive Branch Network Significant Investments in Branch Expansion - Rapidly Growing with Deeper Penetration across States MSME, Housing Finance, Gold Loan Branches 01 Construction Finance and Car Loan Distribution 11 999 Branches in 15 States & UTs 06 430 Branches in 18 State
Slide 15: Gold Loans | Retail Focused with Granular and Secured Loan Book
6 Gold Loans | Retail Focused with Granular and Secured Loan Book Led by end-to-end WHO ARE OUR CUSTOMERS? WHAT OUR CUSTOMERS NEED? digital journey ➢ Small business owners, Salaried individuals, Women ➢ Transparent, timely and hassle-free customer experience entrepreneurs & Small and marginal farmer
Slide 16: Gold Loan - Key Highlights
Gold Loan - Key Highlights 01 Superior execution capability – fastest amongst peers to reach average AUM per branch of INR 170 million within ~3 years of launch Hassle free digital loan journey for valuation, disbursal, multiple 02 repayment modes and customer service – 100% paperless; proprietary L
Slide 17: MSME Loans | Retail Focused with Granular and Secured Loan Book
6 MSME Loans | Retail Focused with Granular and Secured Loan Book Transforming Business WHO ARE OUR CUSTOMERS? WHAT OUR CUSTOMERS NEED? Loans with advanced ➢ Self Employed Non-Professional (SENP) and underserved ➢ Working capital, purchase of equipment and vehicles e.g. Provision stores, retail outl
Slide 18: 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 19: Affordable Housing Loans | Retail Focused with Granular and Secured Loan Book
6 Affordable Housing Loans | Retail Focused with Granular and Secured Loan Book Offering Affordable WHO ARE OUR CUSTOMERS? WHAT OUR CUSTOMERS NEED? Housing Loans with ➢ Underserved – SENP & formal salaried customers ➢ Home/Plot purchase, extension, renovation, Home equity ➢ Majorly First-time home b
Slide 20: Retail Construction Finance | Retail Focused with Granular and Secured Loan Book
6 Retail Construction Finance | Retail Focused with Granular and Secured Loan Book High yield segment with WHO ARE OUR CUSTOMERS? WHAT OUR CUSTOMERS NEED? low opex ➢ Small & mid-sized real estate developers in Metro and Tier 1 ➢ Financing required by builders for construction of affordable cities ho
Slide 21: Retail Construction Finance – Key Highlights
Retail Construction Finance – Key Highlights 01 Niche expertise - deep knowledge of the regional markets with vintage of 10+ 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 22: Insurance Distribution | Complementary Asset Light Income Streams
6 Insurance Distribution | Complementary Asset Light Income Streams Strategic Partnerships with 20 Insurance Companies Policies | Key Statistics Gold 31% 9 7 4 Cross Sell 33% Housing 37% Direct 67% MSME 30% Life Insurance General Insurance Health Insurance Others 2% Companies Companies Companies • L
Slide 23: Car Loan Origination | Complementary Asset Light Income Streams
6 Car Loan Origination | Complementary Asset Light Income Streams 18% 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.)^ 32,898 34,918 Originations Volume 119,097 29,693 28,304 105,5
Slide 24: Car Loan Origination | Complementary Asset Light Income Streams
6 Car Loan Origination | Complementary Asset Light Income Streams Amongst the large non-dealer third party distributor Pan-India coverage through presence 02 in 821 locations in 30 States & UTs Partner Banks & Financial Institutions 14 15 Partner Banks & financial institutions 04 26 23 36 04 04 04 8
Slide 25: Capri Global has In-house Developed Advanced Technology Platform
7 Capri Global has In-house Developed Advanced Technology Platform Significant Investment in Advanced Technology and Data Analytics Capabilities Dedicated 150+ member on-roll Efficiently designed system team, committed to delivering 1 5 architecture - customizable and advanced solutions scalable pla
Slide 26: Complete Suite of Applications for End-to-end Digital Journey of Mortgage Loans
7 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-
Slide 27: Prudent Provisioning and Healthy Asset Quality
8 Prudent Provisioning and Healthy Asset Quality Healthy Asset Quality and Adequate Provisioning ~31%^ NPA (%) PCR (%) Login to Sanction ratio 2.4% (Superior Customer 45.2% Selection) 41.7% 41.2% 1.9% 1.7% 1.7% 30.9% 1.5% 30.5% 100.0% 1.2% 1.1% Secured loans 0.9% 0.9% (Collateral cushion) 0.5% >98.0
Slide 28: Collections | Disciplined And Data Analytics Driven Approach
9 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 & NPA ✓ Sloppy payer model – roll back
Slide 29: Capri Global has Robust Balance Sheet and Efficient Liability Management
10 Capri Global has Robust Balance Sheet and Efficient Liability Management… Capital Adequacy - CRAR (%) Funding Mix (FY26) Borrowings Maturity Profile 47.0 24% Upto 1 month 39.9 > 5 years 5.9% 4.0% 55% 1 month to 1 3-5 years year 29.4 33.1 21.2% 26.3% 26.6 30.5 25.8 27.7 Total: 26.9 2% 22.8 ₹318,95
Slide 30: Through Leveraging Co-lending
10 … Through Leveraging Co-lending 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 bor
Slide 31: Capri Global has Strong Corporate Governance
11 Capri Global has 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 Director Independ
Slide 32: Capri Global has Experienced and Stable Management Team (1/2)
12 Capri Global has Experienced and Stable Management Team (1/2) 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, Ex-IIFL Finance, CA Master’s Degree
Slide 33: Capri Global has Experienced and Stable Management Team (2/2)
12 Capri Global has Experienced and Stable Management Team (2/2) RETAIL BUSINESS RETAIL CONSTRUCTION FINANCE FEE BASED BUSINESS Ravish Gupta Vijay Kumar Gattani Rohit Chugh Chief Business Officer — Gold Director – Credit – CF Head – Insurance Distribution Ex-IIFL, GE Money, HDFC Bank, BCA Ex-Goldman
Slide 34: 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; 16.4% Yields, 6.9% Spread and 8.6% NIM for the year Huge Market Opportunity: Focus Segments MSME loans, Mic
Slide 35: 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 36: Key Strategies
2 Key Strategies
Slide 37: 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 38: and Deliver Sustainable Returns
… and Deliver Sustainable 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 ex
Slide 39: Annual Financial Performance
3 Annual Financial Performance
Slide 40: Performance Highlights – FY26 & 4QFY26
Performance Highlights – FY26 & 4QFY26 (In ₹ mn unless stated otherwise) FY26 FY25 YoY Q4FY26 Q4FY25 YoY AUM 366,233 228,602 60% 366,233 228,602 60% Net Interest Income 19,979 13,314 50% 5,956 3,807 56% Non Interest Income 8,597 5,014 71% 2,472 1,817 36% Operating Expenses 14,112 10,987 28% 4,160 3,
Slide 41: AUM and Loan Growth
AUM and Loan Growth Consolidated AUM Up 53% CAGR FY22-FY26 AUM Break Up (₹ mn) Gross Loans Break Up (₹ mn) CAGR CAGR 53% 46% 366,233 288,402 178 350,000 178 46% 57,081 46% 57,081 300,000 74,469 39% 228,602 44% 187,803 250,000 2,042 2,042 64,889 Axis Title 200,000 41,329 41,329 138,230 156,540 3,152
Slide 42: Segment Wise Loan Yields
Segment Wise Loan Yields Improving Yields MSME (%)* Housing Finance (%)* 16.7% 16.1% 13.4% 15.9% 13.2% 15.7% 12.8% 12.7% 12.8% 15.2% FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25 FY26 Gold Loans (%)* Retail Construction Finance (%)* 17.8% 17.7% 17.6% 19.2% 18.6% 17.8% 17.2% 16.8% 14.1% na1 FY22 FY23
Slide 43: Yields & Margins
Yields & Margins Improving spreads and margins Yield on Net Advances (%) Cost of Borrowings (%)1 16.4% 9.6% 9.5% 16.2% 9.3% 15.8% 8.6% 15.2% 8.3% 14.9% FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25 FY26 Note: Yield calculated as interest income including INDAS adjustments for processing fee, Note: Ca
Slide 44: Financial Highlights
Financial Highlights Strong growth in Net Interest Income and Net Total Income – 56% YoY and 50% YoY for the quarter Net Interest Income (₹ mn) 5,956 19,979 5,103 4,795 4,125 3,807 13,314 9,856 6,354 5,074 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 FY22 FY23 FY24 FY25 FY26 Net Total Income (₹ mn) 8,428 7,50
Slide 45: Financial Highlights
Financial Highlights Continued momentum in fee income – 36% YoY growth for the quarter Non-Interest Income (₹ mn) 1,817 1,692 2,034 2,404 2,472 1,229 2,719 3,820 5,014 8,597 183 148 1,519 647 46 342 278 2,313 183 81 548 239 253 697 662 653 628 420 428 599 41 1,128 214 1,273 3,640 1,157 972 769 705 8
Slide 46: Financial Highlights
Financial Highlights Cost efficiency improvements led by productivity and tech implementation Operating Expenses (₹ mn) 6.2% 5.7% 6.0% 5.5% 6.1% 6.8% 6.1% 5.3% 4.9% 3.9% 4,160 14,112 3,873 3,377 10,987 29% 23% 3,084 28% 9,120 2,702 32% 30% 32% 32% 32% 5,751 77% 29% 71% 68% 72% 2,536 68% 70% 68% 68%
Slide 47: Financial Highlights
Financial Highlights Margin expansion, cost control and risk discipline driving profitable growth Operating Profit (₹ mn) Operating Profit as a % of Avg. Total Assets* Operating Profit as a % of Avg. Total Assets 14,464 4,268 3,453 3,633 3,115 2,540 7,341 5.8% 4,556 5.6% 5.8% 5.6% 5.7% 3,767 3,322 5
Slide 48: Financial Highlights
Financial Highlights Strong increase in profitability; PAT rises 59% YoY for the quarter PAT (₹ mn) 2,828 9,486 2,554 2,360 1,777 1,749 4,785 2,781 2,035 2,047 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 FY22 FY23 FY24 FY25 FY26 Return on Avg. Assets & Return on Avg. Equity (% annualized) 16.9% 16.5% 4.0% 3.
Slide 49: Financial Highlights
Financial Highlights EPS & Book Value per Share (₹) 2.7 2.9 10.2 2.1 2.5 1.9 5.8 2.9 2.5 3.4 74.9 74.9 67.0 69.4 72.0 52.2 46.4 52.2 43.2 27.4 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 FY22 FY23 FY24 FY25 FY26 BVPS EPS BVPS EPS D/E (x) | CRAR 3.6 2.5 2.5 2.8 3.3 2.5 2.1 2.7 3.6 3.3 34.5% 32.9% 30.3% 39.9%
Slide 50: Liability Mix
Liability Mix Diversification led by market borrowings and co-lending Funding Profile (₹ mn) Consolidated Borrowings Break-up (₹ mn) 49,480 80,582 122,375 196,567 318,952 48,322 75,113 104,069 155,768 239,818 24% 310 2% 51,785 8% 2% 270 8% 37,852 21% 330 2% 32,633 187,724 3% 21,229 117,646 15% 4% 14
Slide 51: Asset-Liability Position
Asset-Liability Position All amount in ₹ million 160,000 100000 142,400 90000 140,000 No 90,310 79,610 Maturity risk 80000 120,000 (Cumulative net inflow for all buckets) 64,930 70000 104,350 100,000 60000 52,260 80,850 80,000 50000 69,060 66,170 40000 60,000 47,500 30000 1,04,350 40,000 32,340 30,1
Slide 52: Segmental NPAs
Segmental NPAs MSME Loan Housing Finance GNPA NNPA GNPA NNPA 4.0% 3.9% 3.9% 3.4% 1.5% 3.0% 1.3% 1.4% 1.2% 1.0% 2.9% 2.5% 1.1% 2.1% 2.0% 0.9% 1.6% 0.8% 0.8% 0.7% FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25 FY26 Gold Loan Retail Construction Finance GNPA NNPA GNPA NNPA 1.0% 0.9% 0.8% 0.8% 0.7% 0.3% 0
Slide 53: Asset Quality
Asset Quality Adequate Provisioning Coverage ₹ mn except stated ECL Analysis As Per IndAS FY22 FY23 FY24 FY25 FY26 Stage 1 - Gross 57,255 90,920 129,580 175,797 277,537 Stage 1 - ECL Provisions 377 461 619 779 1,576 Stage 1 - Net 56,877 90,459 128,961 175,019 275,961 Stage 1 - ECL Provisions % 0.7%
Slide 54: RoAA Tree
RoAA Tree Calculated as % of Average Assets (%) FY22 FY23 FY24 FY25 FY26 Interest income 13.0% 12.3% 13.5% 14.5% 13.9% Interest expenses 5.1% 5.6% 6.2% 7.1% 6.5% Net interest income 7.8% 6.7% 7.3% 7.4% 7.5% Net Car Loan Fee 0.4% 1.2% 0.8% 0.5% 0.4% Co-lending Income 0.3% 0.6% 0.7% 0.9% 1.4% Insuranc
Slide 55: Consolidated Income Statement
Consolidated Income Statement Annual Comparison All figures in ₹ mn except stated otherwise Profit and Loss A/c FY22 FY23 FY24 FY25 FY26 FY22-26 CAGR Interest income 8,396 11,682 18,228 26,050 37,277 Interest expenses 3,322 5,328 8,372 12,736 17,298 Net interest income 5,074 6,354 9,856 13,314 19,97
Slide 56: 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 57: Quarterly Financial Performance
4 Quarterly Financial Performance
Slide 58: Business Update
Business Update Consolidated AUM Up 60% YoY AUM Break Up (₹ mn) Composition of AUM (%) 366,233 0.9% 0.6% 0.3% 0.4% 0.1% 304,065 15.6% 178 18.1% 18.3% 18.4% 16.8% 270,401 247,538 57,081 228,602 1,222 20.3% 22.1% 21.3% 22.8% 22.2% 903 51,090 74,469 1,600 2,042 49,690 45,206 64,900 41,329 59,723 46.3%
Slide 59: Retail AUM
Retail AUM Co-Lending AUM showing Steady Growth Co-Lending AUM (₹ mn) Gold AUM (₹ mn) 17.8% 18.9% 21.0% 23.5% 21.3% 169,646 127,992 53,685 CLM AUM/Cons.AUM 71,383 77,831 104,065 9,580 91,049 50,179 56,772 9,296 80,422 46,808 37,601 40,798 8,247 28,942 7,547 24,810 5,963 50,179 53,685 115,961 28,942
Slide 60: Segmental Yields
Segmental Yields MSME (%)* Housing Finance (%)* 17.3% 13.3% 13.3% 13.2% 13.2% 16.8% 12.9% 16.1% 16.4% 15.6% Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Construction Finance (%)* Gold Loans (%)* 19.9% 17.7% 17.6% 17.9% 18.6% 17.3% 18.5% 16.7% 17.8% 16.9% Q4FY25 Q1FY26 Q2FY26
Slide 61: Loan Yields and Margins
Loan Yields and Margins Yield on Net Advances (%) Cost of Borrowings (%)1 9.7% 9.7% 9.6% 16.5% 16.5% 16.5% 9.4% 16.4% 16.3% 9.2% Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Note: Yield calculated as interest income including INDAS adjustments for processing fee, Note: Calcu
Slide 62: Segmental NPAs
Segmental NPAs Disciplined Underwriting Driving Sustained Improvement in Asset Quality MSME Housing Finance GNPA NNPA GNPA NNPA 4.3% 3.9% 3.0% 3.0% 3.0% 1.4% 1.5% 1.5% 1.4% 1.0% 2.4% 2.0% 1.6% 1.5% 1.6% 0.9% 0.9% 0.9% 0.9% 0.7% Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Go
Slide 63: Asset Quality
Asset Quality Adequate Provisioning Coverage ₹ mn except stated ECL Analysis As Per IndAS Q4FY26 Q3FY26 Q2FY26 Q1FY26 Q4FY25 Stage 1 - Gross 277,537 220,712 202,607 189,118 175,797 Stage 1 - ECL Provisions 1,576 1,054 1,067 1,013 779 Stage 1 - Net 275,961 219,657 201,540 188,106 175,019 Stage 1 - EC
Slide 64: RoAA Tree
RoAA Tree Quarterly Comparison Calculated as % of Average Assets (%) Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Interest income 14.9% 14.7% 14.8% 14.5% 14.6% Interest expenses 7.2% 7.1% 6.8% 6.7% 6.6% Net interest income 7.7% 7.5% 8.0% 7.9% 7.9% Net Car Loan Fee 0.5% 0.4% 0.4% 0.3% 0.3% Co-lending Income 1.
Slide 65: Consolidated Income Statement
Consolidated Income Statement Quarterly and Nine Month Comparison Particulars Q4FY26 Q4FY25 Y-o-Y (%) Q3FY26 Q-o-Q (%) FY26 ₹ mn except stated FY25 YoY (%) Interest earned 10,942 7,388 48% 9,417 16% 37,277 26,050 43% Interest expense 4,986 3,581 39% 4,314 16% 17,298 12,736 36% Net interest income 5,
Slide 66: Consolidated Balance Sheet
Consolidated Balance Sheet Quarterly Comparison ₹ mn except stated Particulars Q4FY26 Q4FY25 YoY (%) Q3FY26 QoQ (%) Paid-up Equity 962 825 17% 962 0% Reserves and Surplus 71,073 42,216 68% 68,310 4% Total Equity 72,035 43,041 67% 69,272 4% Bank Borrowings 218,388 150,682 45% 180,760 21% Debt Securit
Slide 67: ESG
5 ESG
Slide 68: ESG Snapshot & Ratings
ESG Snapshot & Ratings Environmental (E) Social (S) Governance (G) Received Second-Party Opinion (SPO) rated “Good” by Sustainable Fitch for 23% Reduction of 15,519 Beneficiaries 100% DEI training for Company’s Sustainable Financing E-Waste Compared Reached Including senior management Framework (SFF
Slide 69: Pillars of Our ESG Framework
Pillars of Our ESG Framework • Environment Management System-like • Expanding financial access for underserved • Strong governance foundation with Top processes for monitoring energy, water, waste, communities, women, and first-time borrowers Management-level ESG Steering Committee and emissions wit
Slide 70: 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 ESG CSR
Slide 71: Shareholding: Ownership Structure & Capital Position
Shareholding Ownership Structure & Capital Position Institutional Investors Other Public Shareholders, 14.3% Corporate Structure4 Capri Global Capital Limited Institutional Shareholders, 100% 100% 25.8% Capri Global Housing Capri Loans Car Platform Promoter Group, Finance Ltd. Private Limited (CLCPP
Slide 72: Annexure
6 Annexure
Slide 73: Delivering Meaningful Customer Outcomes
Capri Loans - Scaling a Granular, Secured Retail Lending Franchise | Delivering Meaningful Customer Outcomes Gold Loans MSME Loans Housing Loans Capri staff explained Capri offered me a good When I applied for the I am extremely grateful I was able to realize my Today people respect me everything to
Slide 74: Awards and Recognition
Awards and Recognition "Best Brands – 2024" award at the ET Now Best Corporate Environment Excellence Award by World Environment The Economics Times - Most promising Leader of Asia in 2020 - 21 Brands Conclave 2024 Council Best AI / Machine Learning initiative, Compliance initiative & New The Econom
Slide 75: Building the Brand Capri Loans
Building the Brand Capri Loans #ZarooratMeinSaath (Feb – March’26) After a successful campaign to drive awareness amongst our target audience, we launched Zaroorat Mein Saath campaign with Pankaj Tripathi with the objective to create consideration for the brand and well as the products. The Campaig
Slide 76: Building the Brand Capri Loans
Building the Brand Capri Loans #TarrakiKeHaath (June – Aug’25) Our Brand Ad campaign with Pankaj Tripathi was designed to create strong awareness and recall for the brand and establish its position as a brand that is focused on making a difference on the ground while being inclusive. Campaign was p
Slide 77: 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 78: Our Vision and Mission; Contact
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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