Capital India Finance Ltd · NSE:CIFL
Capital India Finance — Investor Presentation (May 2026)
22 slides from Capital India Finance's investor presentation, May 2026
Slide 1: FY26 Investor Presentation
CAPITAL INDIA FINANCE LTD FY26 Investor Presentation May 2026 1
Slide 2: Distinct Value Drivers and Business Verticals
Distinct Value Drivers Business Verticals Successfully pivoted into a diversified, resilient and highly scalable financial ecosystem Middle Layer NBFC Prepaid Payment Instrument Listed on NSE | BSE License Lending Business Full Stack Tech Focus on MSME secured enabled Neo Bank lending Neo-banking &
Slide 3: Our Journey
Our Journey Incorporated as Bhilwara Tex-Fin Limited in 1994. Public issue & Listing of Equity shares on BSE. AUM crossed Rs. 500 crores. Equity infusion of AUM crossed Rs. 1994 Rs. 250 crores through Jan to Sep Mar Aug 1,200 Crores. preferential route 2020 to 2017 Feb 2019 2025 2025 Investment in R
Slide 4: Group Structure
Group Structure Promoter Capital India Corp Pvt Ltd (Registered as Core Investment Company ‘CIC’ with RBI) Fintech Subsidiary Promoted by Mr. Sumit Kumar Narvar a first-generation entrepreneur. CIFL - middle layer NBFC Listed on NSE | BSE Fintech | Neo- Bank | Digital Loans Shareholders 52.5% owned
Slide 5: Distinguished Board of Directors
Distinguished Board of Directors Fellow member of ICAI & senior >34 years of experience in >27 years of experience in partner with M/s KG Somani & Co. Banking with extensive expertise the BFSI sector, have since 1986. in MSME and Agri financing, worked with private and credit and risk management, fo
Slide 6: Strong Governance Framework
Strong Governance Framework Board of Directors 5 Independent Directors (Incl. 2 Woman Directors) Committees of the Board Audit Committee Asset Liability Committee Credit Committee Risk Management Committee Stakeholders Relationship Committee Investment Committee Corporate Social Responsibility Commi
Slide 7: Experienced Management Team
Experienced Management Team Pinank Shah Vikas Srivastava MS Walia Mohit Sirpurkar Chief Executive Officer Chief Financial Officer Chief Operating Officer Head Risk & Policy >23 years of experience >22 years of experience in banking & >30 years of exp. in building large distribution >23 years of expe
Slide 8: Lending Business
¢ CAPITALINDIA Rediscover Business Lending Business
Slide 9: Overview of Lending Business
Overview of Lending Business Rs. 1,227 Crore AUM 22% YoY Growth Capital India Finance Limited (CIFL) is a credit institution that provides bespoke financial solutions to Micro, Small and Medium Enterprises (MSMEs) for their growth and working capital requirements. 46 Branches | 9 States Strong and e
Slide 10: Key Highlights
Key Highlights ₹ 563 ₹ 912 ₹ 934 ₹ 935 ₹ 1004 ₹ 1227 67% 72% 45% 58% 73% 2% AUM 23% (INR in Crores) 77% 16% 5% 22% YoY 13% 14% 8% 11% 7% AUM growth 37% 24% 11% 8% 8% 4% 17% 905 754 Disbursement (INR in Crores) 366 478 497 465 62% YoY Disb. growth 46 Lending 29 Branches 23 26 + 17 9 (Count) 2 New Bra
Slide 11: Key Highlights
Key Highlights Strategic shift in Product mix from Wholesale to MSME/Retail loans Net Portfolio 16.00% 15.28% 19 bps YoY Yield 15.18% 15.09% (%) Yield improvement 14.27% 14.30% Wgt. Avg. 62 bps YoY Cost of Funds 10.38% 10.72% 10.84% 10.22% COF improvement (%) 9.73% 9.38% Incremental debt raised at <
Slide 12: Lending – Branch Network
Lending – Branch Network 9 States : 46 Branches Punjab No. of Branches 46 Delhi NCR Haryana 29 Rajasthan 26 23 9 Gujarat 2 FY21 FY22 FY23 FY24 FY25 FY26 Maharashtra Telangana Karnataka Tamil Nadu 12
Slide 13: Diversified Borrowing Franchise
Diversified Borrowing Franchise Public Sector Lenders Private Sector Lenders New Lenders added FY 26 Total Funds raised FY 26 : Rs. 618 Crores | Outstanding Debt : Rs. 938 Crores Healthy borrowing franchise with Added 4 new lenders Raised NCDs in FY26 Low gearing of 1.39 times. diverse lender base o
Slide 14: Tech driven lending lifecycle
Tech driven lending lifecycle The Lending Journey Deep-Dive Credit (Human Intelligence + Artificial Intelligence) 1. Digital Intake (Supported by AI) Human-centric credit assessments combined with Advance technology, enable us to accurately evaluate repayment capability for small businesses. Upload
Slide 15: Roadmap for Future Growth
Roadmap for Future Growth Phase completed Roadmap for future Accelerate Secured Technology & Digital Improve Profitability Transformation MSME Lending Transformation & Operating Leverage Complete Successful run-off of non-core wholesale assets, rotating capital into a highly granular, resilient MSME
Slide 16: Summary Financial Statements - Standalone
Summary Financial Statements - Standalone INR in Crores Profit & Loss Statement Balance Sheet For the Year ended As on Particulars Particulars 31st Mar 25 31st Mar 26 31st Mar 25 31st Mar 26 Income Assets Interest income 162.00 186.09 Cash and Bank Balances 160.48 255.13 Fees & Commission Income 18.
Slide 17: Business Loans | Digital Banking | Payments
Business Loans | Digital Banking | Payments 17
Slide 18: RapiPay
RapiPay A Full Suite Of Services in Digital lending, Payments and Investment space Digital Lending CICO Unsecured Cash withdrawal, business loans Cash deposit, Mini statement, * Balance enquiry RapiPay Digital Banking Ecosystem Complete digital onboarding for CASA Investments Mutual Funds • Fully di
Slide 19: Corporate Social Responsibility
Corporate Social Responsibility 19
Slide 20: Corporate Social Responsibility
Corporate Social Responsibility Company carries out its Corporate Social Responsibility through its group’s CSR foundation ATULYA Foundation. Rural Development: Rural Development: Health & Hygiene: Livelihood: Street Lighting Solar Panels in Schools Screening Camps SHG Impact : Improved safety and I
Slide 21: Thank You
Igniting Growth. Driven by Passion. Thank You E-mail: secretarial@capitalindia.com Website: www.capitalindia.com 21
Slide 22: Disclaimer / Safe Harbor
Disclaimer / Safe Harbor This document may contain statements that are “forward-looking” in nature, which reflect the current expectations and assumptions of the management of Capital India Finance Limited (CIN: L74899DL1994PLC128577). Such forward-looking statements are subject to various known and
Capital India Finance — Investor Presentation (May 2026) on 6ix