Capri Global Capital Limited · NSE:CGCL
Capri Global Capital — Investor Presentation (February 2026)
81 slides from Capri Global Capital's investor presentation, Feb 9, 2026
Slide 1: Regulation 30 intimation letter to exchanges
February 9, 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: C
Slide 2: Capri Global Capital Corporate Presentation February 2026
Capri Global Capital Corporate Presentation February 2026
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 - Journey
Capri Global Capital - 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 304,065 (₹ mn) CAGR 50.1% 228,602 156,540 Covid NBFC Crisis 103,205 Demonetisation 66,347 40,347 48,48
Slide 5: 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 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 ₹304,065 mn 30+ 7.0% / 9.1% 1,331 1.18% / 0.67% AUM Lender Loan spreads / NIM Number of GNPA / NNPA 47.1% YoY Rel
Slide 7: Positioning Highlights
@ Positioning Highlights NX
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 50% AUM CAGR FY22 9MFY26 AUM (₹ mn) 66,347 4.6x 304,065 Customers 38,675 16.2x 626,161 Branches 117 11.4x 1,331 Employees 3,202 4.1x 13,066 PAT (₹ mn) 2,050 3.3x 6,663 /
Slide 9: Favorable Macro and Monetization of Household Savings to Lead 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 2 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 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: 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 ~55% of the Portfolio Portfolio in Q3FY26 4.7% 0.4% 1.1% 1.2%
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 10 910 Branches in 15 States & UTs 07 421 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 141 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 29% 9 7 4 Cross Sell 21% Housing 39% Direct 79% MSME 31% Life Insurance General Insurance Health Insurance Car Loan 2% Companies 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 02 in 821 locations in 31 States & UTs Partner Banks & Financial Institutions 14 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 15% YoY Increase in the Value of Loan Originations Consistently Rising Loan Originations (₹ mn)^ Loan Originations (₹ mn) and Volume Full Year Basis (Nos.)^ 32,898 Originations Volume 105,519 29,693 28,304 97,415 100,744 28,700 94,636
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: 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 (Loan Origination
Slide 28: 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) 43.6% 41.7% 1.9% 1.7% 1.7% 30.9% 1.5% 30.5% 99.9% 1.2% 1.2% 1.1% Secured loans 0.9% (Collateral cushion) 0.7% >98.0%
Slide 29: 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 30: Robust Balance Sheet and Efficient Liability Management
10 Capri Global has Robust Balance Sheet and Efficient Liability Management… Capital Adequacy - CRAR (%) Borrowings (Q3FY26) Maturity Profile Market Borrowings ICD > 5 years Upto 1 month 47.0 0.2% 39.9 Financial institutions 6.9% 4.8% 2.2% 1 month to 1 10.0% year 3-5 years 23.2% 27.1% 29.4 30.3 33.1
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: 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 33: 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 Executive Director — Strategy Chief Financial Officer Chief Risk Officer GMP (Harvard Business School), Ex-UGRO Finance, Hinduja Finance, Ex-IIFL Finance, CA Master’s Deg
Slide 34: 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 Ex-IIFL, GE Money, HDFC Bank, BCA Ex-Goldman Sachs, ICICI
Slide 35: 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; >80% Retail and 100% Secured loan book; 16.4% Yields, 7.0% Spread and 9.1% NIM for the quarter Huge Market Opportunity: Focus Segments MSME loans,
Slide 36: 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 37: Key Strategies
2 Key Strategies
Slide 38: 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 39: 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 40: Quarterly Financial Performance
3 Quarterly Financial Performance
Slide 41: Performance Highlights – Q3FY26
Performance Highlights – Q3FY26 (In ₹ mn unless stated otherwise) Q3FY26 Q3FY25 YoY Q2FY26 QoQ AUM 304,065 206,726 47% 270,401 12 % Net Interest Income 5,103 3,453 48% 4,795 6% Non Interest Income 2,404 1,074 124% 2,034 18% Operating Expenses 3,873 2,636 47% 3,377 15% Operating Profit 3,634 1,892 92
Slide 42: Performance Highlights – 9MFY26
Performance Highlights – 9MFY26 (In ₹ mn unless stated otherwise) 9MFY26 9MFY25 YoY AUM 304,065 206,726 47% Net Interest Income 14,054 9,508 48% Non Interest Income 6,099 3,196 91% Operating Expenses 9,952 7,903 26% Operating Profit 10,201 4,801 112% PAT 6,663 3,008 122% Cost-Income Ratio (%) 49.4%
Slide 43: Business Update
Business Update Consolidated AUM Up 47% YoY AUM Break Up (₹ mn) Composition of AUM (%) 304,065 1.2% 0.9% 0.6% 0.3% 0.4% 270,401 1,222 18.1% 18.1% 18.3% 18.4% 16.8% 247,538 903 51,090 228,602 1,600 206,726 2,042 49,690 21.3% 22.5% 22.8% 22.2% 22.1% 2,553 45,206 64,900 41,329 37,423 59,723 54,903 52,0
Slide 44: Retail AUM
Retail AUM Co-Lending AUM showing Steady Growth Co-Lending AUM (₹ mn) MSME AUM (₹ mn) CLM AUM/Cons.AUM 58,862 17.9% 17.8% 18.9% 21.0% 23.5% 54,779 56,019 49,258 52,789 10,923 11,908 71,383 10,025 10,319 56,772 9,710 9,296 46,808 40,795 8,247 36,909 7,547 5,492 5,963 50,179 42,764 44,460 45,096 46,95
Slide 45: Segmental Yields
Segmental Yields Robust Yields Sustained Alongside AUM Growth MSME (%)* Housing Finance (%)* 13.3% 13.3% 13.2% 16.8% 12.9% 12.9% 16.1% 16.4% 15.8% 14.7% Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Construction Finance (%)* Gold Loans (%)* 19.9% 17.7% 17.6% 19.0% 18.6% 17.3%
Slide 46: Loan Yields and Margins
Loan Yields and Margins Yield on Net Advances (%) Cost of Borrowings (%)1 9.7% 9.7% 9.7% 9.6% 16.5% 16.5% 9.4% 16.3% 16.2% 16.4% Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Note: Yield calculated as interest income including INDAS adjustments for processing fee, Note: Calcu
Slide 47: Financial Highlights
Financial Highlights Total Income grew 66% YoY; Momentum Picks in Fee Income Net Interest Income (₹ mn) Non-Interest Income (₹ mn) 5,103 2,404 Treasury 4,795 2,034 148 4,156 342 3,812 1,813 1,661 46 Insurance Fee Income 3,453 278 183 81 549 239 253 1,074 653 Other Non-interest 595 389 Income 162 137
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 3,873 58.2% 3,377 54.8% 3,084 1,086 2,702 51.6% 2,636 49.4% 1,094 918 46.5% 842 875 5.7% 5.4% 5.3% 5.2% 2
Slide 49: Profitability and Key Ratios
Profitability and Key Ratios PAT rises 99% YoY PAT (₹ mn) RoAA / RoAE (% annualized) 2,554 2,360 16.9% 1,777 1,749 15.0% 14.4% 12.6% 13.0%* 1,281 3.6% 3.2%* 4.0% 4.0% 2.8% Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 RoAA RoAE Earnings per Share and Book Value per Share (₹)
Slide 50: Robust Capital Position
Robust Capital Position Well Capitalized for Medium Term Growth Consolidated Networth (₹ mn) Capital Adequacy (%) 34.5%* 69,272 32.9% 66,730 64,380* 30.3% 29.3% 28.9% 26.9% 26.1% 24.8% 22.9% 22.8% 43,041 41,269 59,290 55,011 57,105 32,848 33,906 5,250 5,750 5,750 5,750 6,458 3,171 3,385 3,619 3,875
Slide 51: Liability Mix
Liability Mix Increase led by Bank Borrowings Diversified Funding Profile (₹ mn) Consolidated Borrowings Break-up (₹ mn) 194,212 194,212 8,319 340 159,790 167,860 19,326 159,790 167,860 155,768 155,768 46,357 8,180 13,453 140,921 330 302 140,921 8,785 8,779 18,038 270 8,112 19,124 18,180 9,504 700 4
Slide 52: Asset-Liability Position
Asset-Liability Position All amount in ₹ million 90,000 80,000 83,626 81,636 80,000 68,694 No 66,705 73,327 70,000 70,000 Maturity risk 66,443 58,046 (Cumulative net inflow for all 60,000 buckets) 60,462 60,000 50,000 50,000 45,180 41,699 40,000 40,000 29,939 38,137 32,900 30,000 24,523 29,478 30,00
Slide 53: Liquid and Overnight funds
Liquid and Overnight funds Comfortable Liquidity Position Particulars (₹ mn) (31st Dec 2025) CGCL (Standalone) CGHFL Consolidated Cash and Bank Balances 20,764 1,425 22,188 Investment in fixed deposits 600 - 600 Investment in Mutual Funds or corporate bonds 11,493 - 11,493 Undrawn Bank Lines 2,963 5
Slide 54: Segmental NPAs
Segmental NPAs Disciplined Underwriting Driving Sustained Improvement in Asset Quality MSME Loan Housing Finance GNPA NNPA GNPA NNPA 4.1% 4.3% 3.9% 3.0% 3.0% 1.7% 1.4% 1.5% 1.5% 1.4% 2.2% 2.4% 2.0% 1.1% 1.6% 1.5% 0.9% 0.9% 0.9% 0.9% Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY
Slide 55: Asset Quality
Asset Quality Adequate Provisioning Coverage ₹ mn except stated ECL Analysis As Per IndAS Q3FY26 Q2FY26 Q1FY26 Q4FY25 Q3FY25 Stage 1 - Gross 220,712 202,607 189,118 175,797 156,044 Stage 1 - ECL Provisions 1,054 1,067 1,013 779 674 Stage 1 - Net 219,657 201,540 188,106 175,019 155,370 Stage 1 - ECL
Slide 56: Consolidated Balance Sheet
Consolidated Balance Sheet Quarterly Comparison ₹ mn except stated Particulars Q3FY26 Q3FY25 YoY (%) Q2FY26 QoQ (%) Paid-up Equity 962 825 17% 962 0% Reserves and Surplus 68,310 40,444 69% 65,769 4% Total Equity 69,272 41,269 68% 66,730 4% Bank Borrowings 180,760 136,433 32% 158,356 14% Debt Securit
Slide 57: Consolidated Income Statement
Consolidated Income Statement Quarterly and Nine Month Comparison Particulars Q3FY26 Q3FY25 Y-o-Y (%) Q2FY26 Q-o-Q (%) 9MFY26 9MFY25 ₹ mn except stated YoY (%) Interest earned 9,416 6,783 39% 8,854 6% 26,366 18,663 41% Interest expense 4,314 3,330 30% 4,059 6% 12,312 9,155 34% Net interest income 5,
Slide 58: RoAA Tree
RoAA Tree Calculated as % of Average Assets (%) Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 9MFY25 9MFY26 Interest income 14.9% 14.9% 14.7% 14.8% 14.5% 14.6% 14.6% Interest expenses 7.3% 7.2% 7.1% 6.8% 6.7% 7.2% 6.8% Net interest income 7.6% 7.7% 7.5% 8.0% 7.9% 7.4% 7.8% Net Car Loan Fee 0.6% 0.5% 0.4% 0.4%
Slide 59: Yearly Financial Performance
4 Yearly Financial Performance
Slide 60: AUM and Loan Growth
AUM and Loan Growth Consolidated AUM Up 50% CAGR FY22-9MFY26 AUM Break Up (₹ mn) Gross Loans Break Up (₹ mn) CAGR CAGR 304,065 50% 40% 232,683 1,222 1,222 51,090 45% 45% 187,803 51,090 228,602 2,042 2,042 64,900 41,329 42% 41,329 36% 138,230 55,604 156,540 3,152 3,152 52,019 26,213 46,056 97,731 26,
Slide 61: Financial Highlights
Financial Highlights High share of non-interest income Net Interest Income (₹ mn) Non-Interest Income^ (₹ mn) 14,054 6,099 13,320 5,009 31% 9,857 3,821 33% 2,720 14% 6,354 45% 15% 5,074 1,231 36% - 44% - 27% 33% 20% 64% 14% - 43% 28 % 19% 11% 22% FY22 FY23 FY24 FY25 9MFY26 FY22 FY23 FY24 FY25 9MFY26
Slide 62: Financial Highlights
Financial Highlights Improving Operating Efficiency Operating Expense (₹ mn)* Cost-Income (%)* 6.1% 6.8% 6.1% 5.5% Increased due to significant investment in Technology, Branches and Employees 3.9% 10,987 9,952 6.8% 7.0% 9,120 32% 5.7% 31% 4.4% 5.0% 32% 5,751 29% 2,536 68% 69% 63.4% 66.7% 59.9% 68%
Slide 63: Financial Highlights
Financial Highlights Improving Return Metrics Profit After Tax (₹ mn) RoAA (%) | RoAE (%) 6,663 4,785 3.7% 3.1% 2.7% 2.2% 15.8% 2,794 2.1% 2,050 2,047 11.8% 11.2% 7.5% 7.5% FY22 FY23 FY24 FY25 9MFY26 FY22 FY23 FY24 FY25 9MFY26 RoAA RoAE Earnings per Share and Book Value per Share (₹) D/E (x) | CRAR
Slide 64: 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% 1.4% 1.2% 2.9% 2.5% 1.1% 2.1% 2.0% 0.9% 0.9% 0.8% 0.8% 1.5% FY22 FY23 FY24 FY25 9MFY26 FY22 FY23 FY24 FY25 9MFY26 Gold Loan Retail Construction Finance GNPA NNPA GNPA NNPA 1.0% 0.9% 0.8% 0.8% 0.5% 0.
Slide 65: Asset Quality
Asset Quality Adequate Provisioning Coverage ₹ mn except stated ECL Analysis As Per IndAS FY22 FY23 FY24 FY25 9MFY26 Stage 1 - Gross 57,255 90,920 129,580 1,75,797 220,712 Stage 1 - ECL Provisions 377 461 619 779 1,054 Stage 1 - Net 56,877 90,459 128,961 1,75,019 219,657 Stage 1 - ECL Provisions % 0
Slide 66: Consolidated Balance Sheet
Consolidated Balance Sheet Yearly Comparison 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 Total Equity 17,173 19,225 35,655 38,366 43,041 25.8% Borrowings 37,
Slide 67: Consolidated Income Statement
Consolidated Income Statement Yearly Comparison 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 3
Slide 68: 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% 0.7% 0.9% Insurance dist
Slide 69: ESG
5 ESG
Slide 70: 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 71: Our Focus Sustainable Development Goals
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 government schemes for inclusive finance. first-time borrowers, especially in rural India. P
Slide 72: 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 5 out of 6 Independent SES E
Slide 73: S&P Global Corporate Sustainability Assessment (CSA)
S&P Global Corporate Sustainability Assessment (CSA) CGCL achieved an impressive score of 71 highest in the NBFC sector, 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 74: Corporate Governance Framework
Corporate Governance Framework Board of Directors Nomination & Board Credit Risk Remuneration Committee 5 Independent Board of Directors including one woman Director Asset Liability Information Security Audit Committee Committee COMMITTEES Separate Chairman and Managing Director Environmental, Stake
Slide 75: 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 76: Shareholding: Ownership Structure & Capital Position
Shareholding Ownership Structure & Capital Position Institutional Investors Other Public Shareholders, 15.5% Corporate Structure4 Capri Global Capital Limited Institutional Shareholders, 100% 100% 24.6% Capri Global Housing Capri Loans Car Platform Promoter Group, Finance Ltd. Private Limited (CLCPP
Slide 77: Annexure
6 Annexure
Slide 78: 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 79: 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 80: 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 81: 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 (February 2026) on 6ix