Capri Global Capital Limited · NSE:CGCL
Capri Global Capital — Investor Presentation (August 2026)
82 slides from Capri Global Capital's investor presentation, Aug 7, 2026
Slide 1: Stock exchange intimation letter
August 07, 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: CG
Slide 2: Capri Global Capital Corporate Presentation August 2026
Capri Global Capital Corporate Presentation August 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 52.8% AUM 401 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 ₹401bn ₹76 bn 13,931 AUM (Q1 FY27) Net worth (Q1 FY27) Employees Growth at Scale 62% CAGR (FY22-FY26) 1,433 21 States & UTs 765K+ Branches Geographical spread Customers Pan-India Distribution
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 Share(3) Housing Market share(3) loans loans ₹8 tn ₹78 bn ₹14 tn ₹68 bn N
Slide 12: Addressable Market: 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 Pledged Unpledged Gold loa
Slide 13: Addressable Market: 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: 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 LIG Housing loans market size and growth (FY2021-27E) 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 Q1 FY27 Scaled rapidly with the launch of new products and AUM (₹ Bn) 66 6.0x 401 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% 15.8% 16.9% 1.1% 19.1% 1.0
Slide 17: Delivered through Extensive Branch Network
…Delivered through Extensive Branch Network Significant Investments in Branch Expansion - Rapidly Growing with Deeper Penetration across States MSME, Housing Finance, 01 Gold Loan Branches Construction Finance and Car Loan Distribution 11 1,000 Branches in 15 States & UTs 06 433 Branches in 18 State
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 192 million within ~4 years of launch Hassle free digital loan journey for valuation, disbursal, multiple 02 repayment modes and customer service – 100% paperless; proprietary L
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 and Secured
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 22 Insurance Companies Policies | Key Statistics Gold 26% 10 8 4 Cross Sell 31% Housing 36% ₹ 652 ₹ 652 mn Direct 69% mn MSME 32% Life Insurance General Insurance Health Insurance Others 6% Companies Companies Companies •
Slide 26: Car Loan Origination | Complementary Asset Light Income Streams
Car Loan Origination | Complementary Asset Light Income Streams 43% 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 32,829 Originations Volume 119,097 28,304 105,519
Slide 27: Car Loan Origination | Pan-India Coverage
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 End-to-end Digital Mortgage 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 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% 43.2% (Superior Customer 41.7% 41.2% Selection) 1.9% 1.7% 1.7% 30.5% 30.9% 1.5% 100.0% 1.2% 1.1% 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 (Q1 FY27) Borrowings Maturity Profile 39.9 33.1 24% > 5 years Upto 1 month 30.5 4.7% 4.8% 26.9 27.7 27.8 55% 1 month to 1 3-5 years year 21.2% 25.2% 26.6 25.8 24.7 22.8 2% Total: ₹358 bn
Slide 33: Leveraging Co-lending
… 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 the balance 2 loan servicing fee on the co-lending loans 3 funds while conserving capital and boost RoE 4 Diversific
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 Ex-IIFL Finance, CA Master’s
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 Director – Credit – CF Head – Insurance Distribution Ex-IIFL, GE Money, HDFC Bank
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; 17.0% Yields, 7.8% Spread and 9.7% NIM for Q1 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: 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 – Q1 FY27 & FY26
Performance Highlights –Q1 FY27 & FY26 (In ₹ mn unless stated otherwise) Q1FY27 Q1FY26 FY26 FY25 YoY YoY AUM 401,116 247,538 62% 366,233 228,602 60% Net Interest Income 7,364 4,125 79% 19,979 13,314 50% Non Interest Income 2,169 1,692 28% 8,597 5,014 71% Operating Expenses 4,212 2,702 56% 14,112 10,
Slide 44: AUM and Loan Growth
AUM and Loan Growth Consolidated AUM Up 53% CAGR FY22-Q1FY27 AUM Break Up (₹ mn) Gross Loans Break Up (₹ mn) CAGR CAGR 53% 3,19,854 45% 401,116 71 366,233 71 288,402 178 63,316 178 63,316 46% 46% 57,081 57,081 78,153 67,404 42% 187,803 37% 74,469 228,602 64,889 2,042 2,042 Axis Title 138,230 41,329
Slide 45: Segment Wise Loan Yields
Segment Wise Loan Yields Improving Yields MSME (%)* Housing Finance (%)* 16.7% 16.8% 13.4% 13.4% 13.2% 16.1% 15.9% 15.7% 12.8% 12.7% 12.8% 15.2% FY22 FY23 FY24 FY25 FY26 Q1FY27 FY22 FY23 FY24 FY25 FY26 Q1FY27 Gold Loans (%)* Retail Construction Finance (%)* 17.8% 17.7% 17.6% 17.6% 19.2% 18.6% 18.6%
Slide 46: Yields & Margins
Yields & Margins Improving spreads and margins Yield on Net Advances (%) Cost of Borrowings (%)1 17.0% 16.4% 9.6% 9.5% 16.2% 9.3% 9.1% 15.8% 8.6% 15.2% 8.3% 14.9% FY22 FY23 FY24 FY25 FY26 Q1 FY 27 FY22 FY23 FY24 FY25 FY26 Q1 FY27 Note: Yield calculated as interest income including INDAS adjustments
Slide 47: Financial Highlights
Financial Highlights Strong growth in Net Interest Income and Net Total Income – 79% YoY and 64% YoY for the quarter Net Interest Income (₹ mn) 7,364 19,979 5,956 5,103 4,795 4,125 13,314 9,856 6,354 5,074 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 FY22 FY23 FY24 FY25 FY26 Net Total Income (₹ mn) 9,533 28,5
Slide 48: Financial Highlights
Financial Highlights Continued momentum in fee income – 28% YoY growth for the quarter Non-Interest Income (₹ mn) 1,692 2,034 2,404 2,472 2,169 1,229 2,719 3,820 5,014 8,597 183 148 1,519 647 46 342 196 278 421 2,313 81 548 253 697 653 662 580 428 628 420 214 41 1,128 1,157 1,273 3,640 806 972 651 7
Slide 49: Financial Highlights
Financial Highlights Cost efficiency improvements led by productivity and tech implementation Operating Expenses (₹ mn) 5.7% 6.0% 5.5% 6.1% 6.8% 6.1% 5.3% 4.9% 4.9% 3.9% 14,112 3,873 4,160 4,212 3,377 10,987 29% 23% 28% 2,702 28% 9,120 32% 32% 32% 32% 5,751 77% 72% 29% 71% 68% 72% 2,536 68% 68% 68%
Slide 50: 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 5,321 14,464 4,263 3,453 3,634 3,115 6.1% 7,341 5.8% 4,556 5.6% 5.8% 5.6% 5.7% 3,767 3,
Slide 51: Financial Highlights
Financial Highlights Strong increase in profitability; PAT rises 102% YoY for the quarter Profit After Tax (₹ mn) 9,486 3,534 2,828 2,554 2,360 4,785 1,749 2,781 2,035 2,047 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 FY22 FY23 FY24 FY25 FY26 Return on Avg. Assets & Return on Avg. Equity (% annualized) 4.1%
Slide 52: Financial Highlights
Financial Highlights EPS & Book Value per Share (₹) 3.7 2.9 10.2 2.5 2.7 2.1 5.8 2.9 2.5 3.4 74.9 78.6 74.9 67.0 69.4 72.0 46.4 52.2 43.2 27.4 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 FY22 FY23 FY24 FY25 FY26 BVPS EPS BVPS EPS D/E (x) | CRAR 2.5 2.5 2.8 3.3 3.7 2.5 2.1 2.7 3.6 3.3 34.5% 32.9% 30.3% 39.9%
Slide 53: Liability Mix
Liability Mix Diversification led by market borrowings and co-lending Funding Profile (₹ mn) Consolidated Borrowings Break-up (₹ mn) 80,582 122,375 196,567 318,952 357,559 75,113 104,069 155,768 239,818 276,297 21% 2% 320 8% 310 57,511 2% 2% 51,785 3% 8% 4% 270 10% 37,852 15% 330 218,466 3% 32,633 1
Slide 54: Asset-Liability Position
Asset-Liability Position Cumulative Surplus Across Buckets All amount in ₹ mn 160,000 90,000 138,460 82,123 80,000 140,000 68,491 124,830 67,979 70,000 120,000 No 60,000 100,000 Maturity risk 92,540 51,404 (Cumulative net inflow 85,570 50,000 for all buckets) 80,000 68,990 40,000 58,840 60,000 30,00
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% 1.3% 1.4% 1.2% 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 Q1FY27 FY22 FY23 FY24 FY25 FY26 Q1FY27 Gold Loan Retail Construction Finance GNPA NNPA GNPA NN
Slide 56: Asset Quality
Asset Quality Adequate Provisioning Coverage ₹ mn except stated ECL Analysis As Per IndAS FY22 FY23 FY24 FY25 FY26 Q1FY27 Stage 1 - Gross 57,255 90,920 129,580 175,797 277,537 304,395 Stage 1 - ECL Provisions 377 461 619 779 1,576 1,838 Stage 1 - Net 56,877 90,459 128,961 175,019 275,961 302,557 Sta
Slide 57: RoAA Tree
RoAA Tree Calculated as % of Average Assets (%) FY22 FY23 FY24 FY25 FY26 Q1FY27 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 7.8% 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 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 59: 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 60: Quarterly Financial Performance
4 Quarterly Financial Performance
Slide 61: Business Update
Business Update Consolidated AUM up 62% YoY AUM Break Up (₹ mn) Composition of AUM (%) 0.6% 0.3% 0.4% 0.0% 0.1% 401,116 18.3% 18.4% 16.8% 15.6% 15.8% 366,233 71 178 304,065 63,316 20.3% 19.5% 22.1% 21.3% 57,081 22.2% 270,401 1,222 247,538 78,153 903 51,090 74,469 1,600 49,690 45,206 64,900 36.8% 38.
Slide 62: Retail AUM
Retail AUM Leveraging co-lending for capital efficient growth Co-Lending/DA AUM (₹ mn) Gold AUM (₹ mn) 18.9% 21.0% 23.5% 21.3% 20.3% 191,786 169,646 CLM AUM/Cons.AUM 127,992 77,831 81,263 104,065 56,487 71,383 91,049 9,580 10,749 53,685 56,772 9,296 46,808 8,247 50,179 7,547 53,685 56,487 28,942 37,
Slide 63: Segmental Yields
Segmental Yields Robust yields sustained alongside AUM growth MSME (%)* Housing Finance (%)* 17.3% 13.3% 13.3% 13.2% 13.2% 13.4% 16.8% 16.8% 16.1% 16.4% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Construction Finance (%)* Gold Loans (%)* 17.7% 17.6% 17.9% 17.6% 18.6% 18.6%
Slide 64: Loan Yields and Margins
Loan Yields and Margins Yield on Net Advances (%) Cost of Borrowings (%)1 9.7% 9.6% 17.0% 9.4% 16.5% 16.5% 16.4% 16.3% 9.2% 9.1% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Note: Yield calculated as interest income including INDAS adjustments for processing fee, Note: Calcu
Slide 65: Segmental NPAs
Segmental NPAs Disciplined Underwriting Driving Sustained Improvement in Asset Quality MSME Housing Finance GNPA NNPA GNPA NNPA 4.3% 3.0% 3.0% 3.0% 3.1% 1.5% 1.5% 1.4% 1.2% 1.0% 2.4% 1.6% 1.5% 1.6% 1.7% 0.9% 0.9% 0.9% 0.8% 0.7% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Go
Slide 66: Asset Quality
Asset Quality Adequate Provision Coverage ₹ mn except stated ECL Analysis As Per IndAS Q1FY27 Q4FY26 Q3FY26 Q2FY26 Q1FY26 Stage 1 - Gross 304,395 277,537 220,712 202,607 189,118 Stage 1 - ECL Provisions 1,838 1,576 1,054 1,067 1,013 Stage 1 - Net 302,557 275,961 219,657 201,540 188,106 Stage 1 - ECL
Slide 67: RoAA Tree
RoAA Tree Quarterly Comparison Calculated as % of Average Assets (%)\ Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Interest income 14.7% 14.8% 14.5% 14.6% 15.3% Interest expenses 7.1% 6.8% 6.7% 6.6% 6.8% Net interest income 7.5% 8.0% 7.9% 7.9% 8.5% Net Car Loan Fee 0.4% 0.4% 0.3% 0.3% 0.4% Co-lending Income 1
Slide 68: Consolidated Income Statement
Consolidated Income Statement Quarterly & Annual Comparison ₹ mn except stated Particulars Q1FY27 Q1FY26 Y-o-Y (%) Q4FY26 Q-o-Q (%) FY26 FY25 YoY (%) Interest earned 13,229 8,064 64% 10,942 21% 37,277 26,050 43% Interest expense 5,865 3,940 49% 4,986 18% 17,298 12,736 36% Net interest income 7,364 4
Slide 69: Consolidated Balance Sheet
Consolidated Balance Sheet Quarterly Comparison ₹ mn except stated Particulars Q1FY27 Q1FY26 YoY (%) Q4FY26 QoQ (%) Paid-up Equity 962 962 0% 962 0% Reserves and Surplus 74,692 63,418 18% 71,073 5% Total Equity 75,655 64,380 18% 72,035 5% Bank Borrowings 2,50,193 152,920 64% 218,388 15% Debt Securit
Slide 70: ESG
5 ESG
Slide 71: 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 72: Key Pillars of ESG
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 73: 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 74: Shareholding
Shareholding Ownership Structure & Capital Position Institutional Other Public Investors Shareholders, 13.5% Corporate Structure4 Capri Global Capital Limited Institutional Shareholders, 100% 100% 26.6% Capri Global Housing Capri Loans Car Platform Promoter Group, Finance Ltd. Private Limited (CLCPP
Slide 75: Annexure
6 Annexure
Slide 76: Delivering Impactful Customer Outcomes
Delivering Impactful Customer Outcomes Gold loans MSME loans Housing loans “Capri staff explained “Capri offered me a “When I applied for “I am extremely “I was able to realize “Today people respect everything to me good interest rate and the loan, I didn’t have grateful to Capri my dream only me in
Slide 77: 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 joins acclaimed actor Pankaj Tripathi, who continues his association with the brand, as Brand Ambassadors. This partn
Slide 78: Building the Brand Capri Loans
Building the Brand Capri Loans Large-reach campaigns position Capri as a trusted partner in moments of need Following a successful awareness campaign for our target audience, we #ZarooratMeinSaath launched Zaroorat Mein Saath with Pankaj Tripathi to drive brand and (Feb – March’26) product considera
Slide 79: Building the Brand Capri Loans
Building the Brand Capri Loans High-impact media execution reinforces inclusive customer positioning #TarrakiKeHaath Our brand ad campaign with Pankaj Tripathi was designed to drive awareness and recall, while positioning Capri Loans as an inclusive, impact-driven brand. It was executed through a 36
Slide 80: Awards and Recognition
Awards and Recognition "Best Brands – 2024" award at the ET Now Best Corporate Environment Excellence Award by World The Economics Times - Most promising Leader of Asia in 2020 Brands Conclave 2024 Environment Council - 21 Best AI / Machine Learning initiative, Compliance initiative & New National H
Slide 81: 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 82: 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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