Capri Global Capital Limited · NSE:CGCL
Capri Global Capital — Investor Presentation (November 2025)
80 slides from Capri Global Capital's investor presentation, Nov 6, 2025
Slide 1: Cover letter to stock exchanges: Corporate Presentation
November 6, 2025 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: C
Slide 2: Capri Global Capital Corporate Presentation November 2025
Capri Global Capital Corporate Presentation November 2025
Slide 3: Table of Content
Table of Content 1 Positioning Highlights 2 Key Strategies 3 Quarterly Financial Performance 4 Yearly 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 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 ₹270,401 mn 27 6.9% / 9.5% 1,224 1.28% / 0.74% AUM Lender Loan spreads / NIM Number of GNPA / NNPA 40.3% YoY Rela
Slide 6: Our Journey
Our Journey Long Vintage with Resilient Business Model through Macro Events CAPRI 1.0: Establishing the Bedrock of a Multifold Growth CAPRI 2.0: Cementing Leadership through Tech 270,401 ~63x AUM Growth in over 12 yrs (₹ mn) 228,602 156,540 Covid 103,205 NBFC Crisis Demonetisation 66,347 48,480 40,3
Slide 7: Positioning Highlights
1 Positioning Highlights
Slide 8: Significant Potential to Scale and Grow
1 Significant Potential to Scale and Grow Track record of execution and scaling business – fast growing NBFC with 49% AuM CAGR FY22 H1FY26 AUM (₹ mn) 66,347 4.1x 270,401 Customers 38,675 15.3x 590,900 Branches 117 10.5x 1,224 Employees 3,202 3.8x 12,197 PAT (₹ mn) 2,050 2.3x 4,109 / 4,785^ Networth
Slide 9: Massive Opportunity for Credit Growth
Massive Opportunity for Credit Growth – Favorable Macro and Monetization of Household 2 Savings to Lead the Way 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 CY
Slide 10: Retail Secured Lending Has Significant Under penetration and Credit Gap
2 Retail Secured Lending Has Significant Under 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 significant credit gap Retail1 Overal
Slide 11: NBFCs Well Placed with Unique Strengths To Address Credit Gap
2 NBFCs Well Placed with Unique Strengths To Address Credit Gap and 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 busi
Slide 12: Capri Global's Focus Segments with Strong Growth Opportunity
3 Capri Global’s Focus Segments with Strong Growth Opportunity Focus 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% 49.9 35 33.7 (Rs t
Slide 13: Diversified Business by Product and Geography
4 Diversified Business by Product and Geography… Product Diversification – Entering into New Segments Geographical Diversification – Entering into New Markets# 1.1% 2.2% 0.3% 1.0% 1.2% 4.7% 3.4% 0.8% 1.0% 3.1% 18.4% 20.7% 14.3% 19.1% 12.6% 5.1% 21.2% 8.6% AUM AUM AUM (FY22) 49.8% (Q2 FY26) AUM (FY22
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 07 842 Branches in 11 States & UTs 05 06 382 Branches in 20 St
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 124 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 18 Insurance Companies Policies | Key Statistics 9 5 4 Cross Sell 40.0% Gold Housing 30.0% 38.9% MSME 29.6% Direct 60.0% Life Insurance General Insurance Health Insurance Car Loan 1.5% Companies Companies
Slide 23: 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 in 821 locations in 31 States & UTs Partner Banks & Financial Institutions 02 13 15 Partner Banks & financial institutions 04 26 23 36 04 04 04 8
Slide 24: Car Loan Origination | Complementary Asset Light Income Streams
6 Car Loan Origination | Complementary Asset Light Income Streams 14% YoY Increase in the Value of Loan Originations Consistently Rising Loan Originations (₹ mn)^ Loan Originations (₹ mn) and Volume Full Year Basis (Nos.)^ Originations Volume 105,519 29,693 28,304 97,415 100,744 28,700 94,636 24,783
Slide 25: In-house Developed Advanced Technology Platform
7 In-house Developed Advanced Technology Platform Significant Investment in 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 platform End to end developed
Slide 26: Complete Suite of Applications for End-to-end Digital Journey
7 Complete Suite of Applications for End-to-end Digital Journey of MSME and Housing Loans Disbursement & 1 Customer Onboarding 2 Credit Underwriting 3 Customer Engagement 4 Collections & Legal Lead Generation Loan Processing Digital Disbursement AI Led Digital Collection In-house LOS LoanXpress - Si
Slide 27: Comprehensive Credit Assessment Approach
7 Comprehensive Credit Assessment Approach Credit Bureau checks Parameterised Geo Tagging Residence and Business Property Technical Personal Evaluation Discussion Dedupe and negative list verification Central Standardised Income Assessment Templates Legal processing Evaluation unit LoanXpress Revers
Slide 28: Prudent Provisioning and Healthy Asset Quality
8 Prudent Provisioning and Healthy Asset Quality ~31%^ NPA (%) PCR (%) Login to Sanction ratio 2.4 (Superior Customer 45.2 Selection) 41.7 42.8 1.9 1.7 1.7 30.9 1.5 30.5 99.9% 1.2 1.3 1.1 Secured loans 0.9 (Collateral cushion) 0.7 >98.0% FY22 FY23 FY24 FY25 1HFY26 FY22 FY23 FY24 FY25 1HFY26 Robust C
Slide 29: Disciplined And Data Analytics Driven Approach to Collections
9 Disciplined And Data Analytics Driven Approach to Collections Customised channel wise collection strategy basis past customer behavior PRE-BOUNCE STRATEGY POST-BOUNCE STRATEGY ✓ ML based EWS model for customer risk profiling, bounce rate & NPA ✓ Sloppy payer model – roll back and roll forward pred
Slide 30: Robust Balance Sheet and Efficient Liability Management
10 Robust Balance Sheet and Efficient Liability Management… Capital Adequacy - CRAR (%) Borrowings (Q2FY26) Maturity Profile Market Borrowings ICD > 5 years Upto 1 month 47.0 0.2% 39.9 Financial institutions 5.7% 5.8% 1.7% 1 month to 1 10.7% year 32.9 3-5 years 26.3% 33.1 NHB 29.4 24.6% 30.5 Refinan
Slide 31: 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 of
Slide 32: Strong Corporate Governance
11 Strong Corporate Governance Distinguished and Qualified Board Comprised Majorly of Independent Directors Lingam Venkata Subramanian Rajesh Sharma Ajit Mohan Sharan Desh Raj Dogra Nupur Mukherjee Shishir Priyadarshi Prabhakar Ranganathan Chairman & Managing Director Independent Director Independen
Slide 33: Experienced and Stable Management Team (1/2)
12 Experienced and Stable Management Team (1/2) CORPORATE FUNCTIONS Monu Ratra Divya Sutar Kishore Lodha Director — Business Strategy Chief Financial Officer Chief Executive Officer Ex-IIFL Housing Finance, Indiabulls GMP (Harvard Business School), Ex-UGRO Finance, Hinduja Finance, Housing Finance M
Slide 34: Experienced and Stable Management Team (2/2)
12 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 Ex-IIFL, GE Money, HDFC Bank, BCA Ex-Goldman Sachs, ICICI Bank, CA Ex- Sta
Slide 35: Summary Highlights (1/2)
Summary Highlights (1/2) Retail Focused: Retail secured lending has massive under penetration and large credit gap; Retail NBFCs better placed; >80% Retail and 100% Secured loan book; 16.5% Yields, 6.9% Spread and 9.5% NIM for the quarter Huge Market Opportunity: Focus Segments MSME loans, Micro LAP
Slide 36: Summary Highlights (2/2)
Summary Highlights (2/2) 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: long vi
Slide 37: Key Strategies
2 Key Strategies
Slide 38: Way Ahead: Strategic Initiatives to Drive Scale
Way Ahead: Strategic Initiatives to Drive Scale… Key initiatives Geographic Expansion and Leverage Technology and Analytics Diversify our Product Offerings Deepening our Presence for Operational Excellence • Offer customized products to address • Open new branches in existing and newer • Use Generat
Slide 39: and Deliver Sustainable Returns
… and Deliver Sustainable Returns… Key levers for RoE expansion Margin High Quality Cost Efficiency Underwriting Cross Sell Expansion + Fee Income + + Efficiency + Opportunity Increase in Operating Leverage share of high Expansion of leverage from Reduction in customer base yield products; Car Loan
Slide 40: Quarterly Financial Performance
3 Quarterly Financial Performance
Slide 41: Performance Highlights – 2QFY26
Performance Highlights – 2QFY26 (In ₹ mn unless stated otherwise) Q2FY26 Q2FY25 YoY Q1FY26 QoQ AUM 270,401 192,726 40% 247,538 9% Net Interest Income 4,795 3,046 57% 4,156 15% Non Interest Income 2,034 1,033 97% 1,661 22% Operating Expenses 3,377 2,621 29% 2,702 25% Operating Profit 3,453 1,457 137%
Slide 42: Performance Highlights – 1HFY26
Performance Highlights – 1HFY26 (In ₹ mn unless stated otherwise) H1FY26 H1FY25 YoY AUM 270,401 192,726 40% Net Interest Income 8,952 6,055 48% Non Interest Income 3,695 2,122 74% Operating Expenses 6,079 5,267 15% Operating Profit 6,567 2,910 126% PAT 4,109 1,727 138% Cost-Income Ratio (%) 48.1% 64
Slide 43: Business Update
Business Update Consolidated AUM Up 40% YoY AUM Break Up (₹ mn) Composition of AUM (%) 270,401 247,538 903 228,602 1.2% 1.2% 0.9% 0.6% 1,600 0.3% 206,726 2,042 49,690 192,726 17.4% 18.1% 18.1% 18.3% 18.4% 45,206 2,553 2,220 41,329 37,423 59,723 22.1% 22.6% 22.5% 22.8% 22.2% 33,462 54,903 52,019 46,4
Slide 44: Retail AUM
Retail AUM Co-Lending AUM showing Steady Growth Co-Lending AUM (₹ mn) MSME AUM (₹ mn) CLM AUM/Cons.AUM 18.3% 17.9% 17.8% 18.9% 21.0% 54,779 56,019 47,601 49,258 52,789 56,772 10,025 10,319 10,923 46,808 9,561 9,710 8,247 36,909 40,795 35,195 7,547 5,963 4,694 5,492 37,601 42,764 44,460 45,096 24,810
Slide 45: Segmental Yields
Segmental Yields Robust Yields Sustained Alongside AUM Growth MSME (%)* Housing Finance (%)* 16.4% 13.3% 13.3% 16.1% 12.9% 12.9% 12.9% 15.8% 14.6% 14.7% Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Construction Finance (%)* Gold Loans (%)* 19.9% 18.1% 17.7% 19.0% 17.3% 18.2%
Slide 46: Loan Yields and Margins
Loan Yields and Margins Yield on Net Advances (%) Cost of Borrowings (%)1 16.3% 16.2% 16.5% 16.5% 9.6% 9.7% 9.7% 9.7% 9.6% 16.0% Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Note: Yield calculated as interest income including INDAS adjustments for processing fee, Note: Calcu
Slide 47: Financial Highlights
Financial Highlights Total Income grew 67% YoY; Momentum Picks in Fee Income Net Interest Income (₹ mn) Non-Interest Income (₹ mn) 2,034 Treasury 4,795 1,813 46 1,661 278 4,156 183 3,812 81 Insurance Fee Income 3,453 239 253 3,046 1,074 653 1,032 595 389 Other Non-interest 119 162 127 137 Income 199
Slide 48: Financial Highlights
Financial Highlights Profitable Growth Backed by Improved Cost Ratios and Credit Discipline Operating Expenses (₹ mn) Cost-Income (%) & Cost / AAUM excl. CLO (%)* Cost excl. CLO/AAUM Cost-Income 3,377 3,084 64.3% 2,621 2,636 2,702 58.2% 1,094 54.8% 918 902 842 875 49.4% 5.7% 5.7% 46.5% 5.3% 5.2% 2,1
Slide 49: Profitability and Key Ratios
Profitability and Key Ratios PAT rises 143% YoY PAT (₹ mn) Earnings per Share and Book Value per Share (₹) 2,360 2.1 2.0 2.5 1.5 1.2 69.4 67.0 1,777 1,749 50.0 52.2 1,281 48.6 970 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Return on Avg. Assets (% annualized) Return on Avg
Slide 50: Robust Capital Position
Robust Capital Position Well Capitalized for Medium Term Growth Consolidated Networth (₹ mn) Capital Adequacy (%) 66,370 34.5%* 64,380* 32.9% 31.9% 29.3% 28.9% 26.9% 26.1% 23.7% 43,041 22.9% 22.8% 41,269 40,125 57,105 55,011 32,848 33,906 31,893 5,250 5,250 5,750 5,750 5,750 2,982 3,171 3,385 3,619
Slide 51: Liability Mix
Liability Mix Increase led by Bank Borrowings Diversified Funding Profile (₹ mn) Consolidated Borrowings Break-up (₹ mn) 167,860 167,860 159,790 159,790 155,768 8,180 155,768 140,921 8,779 330 302 8,785 18,038 140,921 270 128,099 18,180 128,099 42,483 8,112 19,124 9,504 700 6,981 6,870 37,852 39,800
Slide 52: Asset-Liability Position
Asset-Liability Position ₹ crore except stated No 7,194 7,678 7,788 Maturity risk (Cumulative net inflow for all 6,800 7,086 buckets) 6,664 6,259 6,208 6,070 3,706 3,222 1,942 2,301 1,706 2,131 1,735 1,841 1,604 940 969 566 upto 1 month >1-3 months >3-6 months >6-12 months 1-3 years 3-5 years >5 yea
Slide 53: Liquid and Overnight funds
Liquid and Overnight funds Comfortable Liquidity Position Particulars (₹ mn) (30th Sep 2025) CGCL (Standalone) CGHFL Consolidated Cash and Bank Balances 16,640 930 17,570 Investment in fixed deposits 552 552 Investment in Mutual Funds or corporate bonds 6,906 6,906 Undrawn Bank Lines 1,956 5,713 7,6
Slide 54: Segmental NPAs
Segmental NPAs Disciplined Underwriting Driving Sustained Improvement in Asset Quality MSME Housing Finance GNPA NNPA GNPA NNPA 4.1% 4.3% 3.9% 3.5% 3.0% 1.7% 1.7% 2.4% 1.4% 1.5% 1.5% 2.2% 2.0% 1.9% 1.1% 1.6% 1.0% 0.9% 0.9% 0.9% Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Go
Slide 55: Asset Quality
Asset Quality Adequate Provisioning Coverage ₹ mn except stated ECL Analysis As Per IndAS Q2FY26 Q1FY26 Q4FY25 Q3FY25 Q2FY25 Stage 1 - Gross 202,607 189,118 1,75,797 156,044 147,388 Stage 1 - ECL Provisions 1,067 1,013 779 674 720 Stage 1 - Net 201,540 188,106 1,75,019 155,370 146,668 Stage 1 - ECL
Slide 56: Consolidated Income Statement
Consolidated Income Statement Quarterly and Half Yearly Comparison ₹ mn except stated Particulars Q2FY26 Q2FY25 Y-o-Y (%) Q1FY26 Q-o-Q (%) H1FY26 H1FY25 YoY (%) Interest earned 8,854 6,156 43.8% 8,096 9.4% 16,950 11,880 42.7% Interest expense 4,059 3,110 30.5% 3,940 3.0% 7,998 5,825 37.3% Net intere
Slide 57: Consolidated Balance Sheet
Consolidated Balance Sheet Quarterly Comparison ₹ mn except stated Particulars Q2FY26 Q2FY25 YoY (%) Q1FY25 QoQ (%) Paid-up equity 962 825 16.6% 962 0.0% Reserves and surplus 65,769 39,300 67.4% 63,418 3.7% Total Equity 66,730 40,125 66.3% 64,380 3.7% Bank borrowings 158,356 125,992 25.7% 152,920 3.
Slide 58: RoAA Tree
RoAA Tree Calculated as % of Average Assets (%) 2QFY25 3QFY25 4QFY25 1QFY26 2QFY26 1HFY25 1HFY26 Interest income 14.6% 14.9% 14.9% 14.7% 14.8% 14.6% 15.0% Interest expenses 7.4% 7.3% 7.2% 7.1% 6.8% 7.1% 7.1% Net interest income 7.2% 7.6% 7.7% 7.5% 8.0% 7.4% 7.9% Net Car Loan Fee 0.4% 0.6% 0.5% 0.4%
Slide 59: Yearly Financial Performance
4 Yearly Financial Performance
Slide 60: AUM and Loan Growth
AUM and Loan Growth Consolidated AUM Up 49% CAGR FY22-1HFY26 AUM Break Up (₹ mn) Gross Loans Break Up (₹ mn) CAGR CAGR 270,401 49% 40% 228,602 213,629 49,690 903 2,042 187,803 48% 48% 2,042 49,690 41,329 59,723 41,329 156,540 42% 138,230 36% 3,152 52,019 3,152 51,476 26,213 26,213 46,056 103,205 97,
Slide 61: Financial Highlights
Financial Highlights High share of non-interest income Net Interest Income (₹ mn) Non-Interest Income^ (₹ mn) 13,320 27.9% 29.2% 30.0% 27.3% 9,857 5,009 19.5% 8,952 3,821 33% 3,695 2,720 32% 6,354 45% 15% 5,074 1,231 36% - 14% - 27% 33% 20% 41% 64% 14% - 43% 28 % 19% 22% 13% FY22 FY23 FY24 FY25 1HFY
Slide 62: Financial Highlights
Financial Highlights Improving Return Metrics Operating Profit (₹ mn) Credit Costs* (₹ mn) 7,341 6,567 1,126 1,057 1,008 913 4,556 3,767 1.6% 647 1.0% 3,322 5.8% 4.1% 0.7% 0.6% 3.5% 3.4% 5.8% 0.7% FY22 FY23 FY24 FY25 1HFY26 FY22 FY23 FY24 FY25 1HFY26 Operating Profit as a % of Avg. Total Assets Cred
Slide 63: Segmental NPAs
Segmental NPAs MSME Loan Housing Finance GNPA NNPA GNPA NNPA 4.0% 3.9% 3.9% 3.4% 1.5% 1.5% 3.0% 1.3% 1.4% 1.2% 2.9% 2.5% 1.1% 2.1% 2.0% 0.9% 0.9% 1.6% 0.8% 0.8% FY22 FY23 FY24 FY25 1HFY26 FY22 FY23 FY24 FY25 1HFY26 Gold Loan Retail Construction Finance GNPA NNPA GNPA NNPA 1.0% 0.9% 0.8% 0.8% 0.7% 0.
Slide 64: Asset Quality
Asset Quality Adequate Provisioning Coverage ₹ mn except stated ECL Analysis As Per IndAS FY22 FY23 FY24 FY25 1HFY26 Stage 1 - Gross 57,255 90,920 129,580 1,75,797 202,607 Stage 1 - ECL Provisions 377 461 619 779 1,067 Stage 1 - Net 56,877 90,459 128,961 1,75,019 201,540 Stage 1 - ECL Provisions % 0
Slide 65: Consolidated Income Statement
Consolidated Income Statement All figures in ₹ mn except stated otherwise Profit and Loss A/c FY21 FY22 FY23 FY24 FY25 FY21-25 CAGR Interest income 6,735 8,396 11,678 18,229 26,055 Interest expenses 2,887 3,308 5,317 8,372 12,736 Net interest income 3,848 5,087 6,361 9,857 13,320 36.4% Net Car Loan
Slide 66: Consolidated Balance Sheet
Consolidated Balance Sheet All figures in ₹ mn except stated otherwise Balance Sheet FY21 FY22 FY23 FY24 FY25 FY21-25 CAGR Liabilities Paid-up equity 351 351 412 825 825 Reserves 16,822 18,873 35,242 37,541 42,216 Networth 17,173 19,225 35,655 38,366 43,041 25.8% Borrowings 37,689 48,084 75,113 104,
Slide 67: RoAA Tree
RoAA Tree Calculated as % of Average Assets (%) FY21 FY22 FY23 FY24 FY25 Interest income 13.1 13.0 12.3 13.5 14.5 Interest expenses 5.6 5.1 5.6 6.2 7.1 Net interest income 7.5 7.8 6.7 7.3 7.4 Net Car Loan Fee - 0.4 1.2 0.8 0.5 Co-lending Income - 0.3 0.6 0.8 0.9 Other income 1.2 1.2 1.0 1.3 1.3 Non-
Slide 68: ESG
5 ESG
Slide 69: Pillars of Our ESG
Pillars of Our ESG • Expanding financial access for • Strong governance foundation with Top • Environment Management System-like underserved communities, women, and Management-level ESG Steering processes for monitoring energy, water, first-time borrowers Committee chaired by the Managing waste, and
Slide 70: ESG Snapshot & Ratings for FY25
ESG Snapshot & Ratings for FY25 Environmental (E) Social (S) Governance (G) 23% Reduction of 15,519 Beneficiaries 100% DEI training for E-Waste Compared Reached Including senior management To FY2023-24 13,287 Women Name of the ESG Ratings Rating Provider ~500+Kg of waste 6 out of 7 Independent Recyc
Slide 71: Our Focus Sustainable Development Goals Compass
Our Focus Sustainable Development Goals Compass Partnerships for the Goals No Poverty Collaboration with rating agencies, NGOs, digital partners and Providing accessible credit to underserved communities and first-time government schemes for inclusive finance. borrowers, especially in rural India. P
Slide 72: S&P Global Corporate Sustainability Assessment (CSA)
S&P Global Corporate Sustainability Assessment (CSA) CGCL achieved an impressive score of 49 in its maiden application, exceeding the industry average of 30 ❖ The S&P Global CSA - respected benchmark for ESG practices, assessing risks and opportunities Why This ❖ Capri Global's performance reflects
Slide 73: Corporate Governance Framework
Corporate Governance Framework Board of Directors Nomination & Board Credit Risk Remuneration Committee 6 Independent Board of Directors including one woman Director Asset Liability Information Security Audit Committee Committee COMMITTEES Separate Chairman and Managing Director Environmental, Stake
Slide 74: Corporate Social Responsibility
Corporate Social Responsibility • Strategic Vision: Deploying capital to uplift underserved communities through impactful, scalable interventions. • Proven Model: Need-based, multi-stakeholder approach with strong M&E governance, enabling replication and sustainability. • High Impact: Over 1 million
Slide 75: Shareholding
Shareholding ₹ 178bn ₹ 66.7bn ₹ 961.6mn ₹1 US$ 2.0bn2 Market capitalisation1 Cons. Net worth3 (Q2FY26) Paid-up Equity Face Value NOTES 14.93% 1. Market capitalization NSE on 30th Sep‘25. 2. 1 US$ = ₹ 88.79 Promoter Group 3. Not adjusted for DTAs. Institutional Shareholders 4. AMFI classifies CGCL as
Slide 76: Annexure
6 Annexure
Slide 77: Awards and Recognition
Awards and Recognition "Best Brands – 2024" award at the ET Now Best "Best BFSI Brands” by the Economic Times in 2021 Most promising Leader of Asia in 2020 - 21 Brands Conclave 2024 Company of the Year (2018) – Zee Business Dare to dream award The Economics Times – Best BFSI Brands 2019 India’s Most
Slide 78: Building the Brand Capri Loans
Building the Brand Capri Loans #TarrakiKeHaath We launched our latest Brand campaign with Pankaj Tripathi 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 is being promoted
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
Capri Global Capital — Investor Presentation (November 2025) on 6ix