Capri Global Capital Limited · NSE:CGCL

Capri Global Capital — Debt Investor Presentation (September 2026)

52 slides from Capri Global Capital's debt investor presentation, Sep 1, 2026

  1. Slide 1: Stock exchange intimation cover letter

    Date: September 01, 2026 To BSE Limited National Stock India International NSE IFSC Limited, Phiroze Jeejeebhoy Exchange of India Exchange (IFSC) Unit No.1201, Towers Dalal Street Limited Limited Brigade International Mumbai – 400001 5th Floor, Exchange 1st Floor, Unit No. 101, Financial Centre, Scr

  2. Slide 2: Capri Global Capital Limited Investor Presentation September 2026

    Capri Global Capital Limited Investor Presentation September 2026

  3. Slide 3: Transaction Summary

    Transaction Summary Issuer Capri Global Capital Limited Issue Fixed rate, Senior Secured US$ bonds Expected Issuer Rating BB- (stable outlook) Fitch / Ba3 (stable outlook) Moody’s Size US$ Benchmark Tenor WAL [3Y] Coupon [ ]% p.a. payable semi-annually A first ranking pari passu charge (by way of hy

  4. Slide 4: Table of Content

    Table of Content 1 Company Overview 4 2 Product Overview 16 3 Technology, Data Science and AI 23 4 Balance Sheet and ALM 26 5 Financial Highlights 31 6 Corporate Governance 38 7 Appendix 43

  5. Slide 5: Company Overview

    1 Company Overview

  6. Slide 6: 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

  7. Slide 7: 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 90 117 736 935 1,111 1,429

  8. Slide 8: Becoming Fast-Growing NBFC Platform with Strong Fundamentals

    Becoming Fast-Growing NBFC Platform with Strong Fundamentals Scale, profitability, asset-quality discipline and capital strength create a solid foundation for the next phase of growth ₹401,108mn ₹75,655 mn 13,931 AUM Net worth (FY26) Employees Growth at Scale 60% YoY 1,433 20 (States & UTs) 755K+ Br

  9. Slide 9: Product Summary

    Product Summary Segment-wise Product Characteristics and Lending Framework CUSTOMER PROFILE Gold Loan SECURITY LTV Yield ATS¹ ₹mn Tenor Individuals incl. small business owners, salaried, Loan against Gold Jewellery Pledge of Gold Ornaments ~73.35% ~19.07% ~0.19 Up to 3y women, farmers LENDING PRODUC

  10. Slide 10: AUM Growth

    AUM Growth Consolidated AUM Up ~52% during FY24-Q1FY27 AUM Break Up (₹ mn) CAGR* 228,601 366,237 401,108 156,540 52% 2.0% 0.9% 0.1% 0.0% 18.1% 15.6% 15.8% 16.7% 48% 20.3% 19.5% 26.9% 22.8% 32% 22.3% 46.3% 35.2% 47.8% 113% 32.1% 23.1% 14% 17.7% 16.9% FY24 FY25 FY26 Q1FY27 MSME Gold Housing Constructi

  11. Slide 11: Diversified Business by Product and Geography

    Diversified Business by Product and Geography… Hedged against Cyclical Risks Product Diversification – Entering into New Segments Geographical Diversification – Entering into New Markets2 Gold constitutes the largest portfolio share (~47.8%) Top 3 regions constitute ~50% of the Portfolio in Q1 FY27

  12. Slide 12: Deep and Extensive Branch Network

    …Delivered through Deep and Extensive Branch Network Significant Investments in Branch Expansion - Rapidly Growing with Deeper Penetration across States ➢ Total branch network of 1,433 branches 01 10 ➢ Dedicated tech center in Gurgaon, Noida and Mumbai 06 108 25 01 74 11 168 137 12 102 48 01 131 117

  13. Slide 13: Board of Directors

    Board of Directors Distinguished and Qualified Board Comprised Majorly of Independent Directors Lingam Venkata Ajit Mohan Sharan Nupur Mukherjee Shishir Priyadarshi Subramanian Rajesh Sharma Prabhakar Ranganathan Chairperson & Managing Independent Independent Independent Independent Independent Dire

  14. Slide 14: 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

  15. Slide 15: To Deliver Strong Returns

    … to Deliver Strong 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 existing

  16. Slide 16: Summary Highlights

    Summary Highlights Retail Led Business: Strong retail focus with >84% retail AUM and ~100% secured loan book; 17.47% yield, 9.63% NIM. Track Record of Execution Excellence: Delivered ~52% AUM CAGR*; 1,433 branches across 20 states & UTs Diversified Business Mix: MSME (including Micro LAP), Affordabl

  17. Slide 17: Product Overview

    2 Product Overview

  18. Slide 18: Gold Loans

    Gold Loans | Retail Focused with Granular and Secured Loan Book AUM (₹ mn) Geographical Distribution 6% Rajasthan 4% 20% 7% Uttar Pradesh Madhya Pradesh 191,785 8% Gujarat 169,646 Haryana 80,422 11% 18% Maharashtra 34,910 Delhi Uttarakhand FY24 FY25 FY26 Q1FY27 12% Others 14% WHO ARE OUR CUSTOMERS?1

  19. Slide 19: MSME Loans

    MSME Loans | Retail Focused with Granular and Secured Loan Book AUM (₹ mn) Geographical Distribution Rajasthan 3% 2% 1% Madhya Pradesh 64,874 67,801 3% 4% Gujarat 50,174 52,789 5% Andhra Pradesh 38% Delhi NCR Telangana 22% Uttar Pradesh and Uttrakhand Maharashtra FY24 FY25 FY26 Q1FY27 22% others WHO

  20. Slide 20: Affordable Housing Loans

    Affordable Housing Loans | Retail Focused with Granular and Secured Loan Book AUM (₹ mn) Geographical Distribution 3% 4% Rajasthan 3% 74,458 78,142 22% 6% Madhya Pradesh Delhi NCR 52,019 9% Gujarat 42,091 Maharashtra Uttar Pradesh 13% Karnataka 22% Telangana FY24 FY25 FY26 Q1FY27 18% Others WHO ARE

  21. Slide 21: Retail Construction Finance

    Retail Construction Finance | Retail Focused with Granular and Secured Loan Book Strong Asset Cover and Attractive Yields AUM (₹ mn) Geographical Distribution 7% 1% 0% Maharashtra 63,315 Gujarat 57,081 12% 33% Delhi NCR 41,329 Karnataka 26,213 Telangana 12% Tamil Nadu Andhra Pradesh FY24 FY25 FY26 Q

  22. Slide 22: Insurance Distribution

    Insurance Distribution Complementary Asset Light Income Streams Strategic Partnerships with 22 Insurance Companies 9 9 4 Life Insurance General Insurance Health Insurance Companies Companies Companies • Life Insurance • Property Cover • Retail & Group Health • Credit Life Cover • Private Car & 2-Whe

  23. Slide 23: Car Loan Origination

    Car Loan Origination | Complementary Asset Light Income Streams 14.6% from Increase in the Value of Loan Originations Pan-India coverage through presence in 821 locations in 30 States & UTs2 Loan Originations (₹ mn) 02 15 14 114,569 Partner Banks & 26 04 105,519 97,415 financial 23 36 04 institution

  24. Slide 24: Technology, Data Science and AI

    3 Technology, Data Science and AI

  25. Slide 25: 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 190+ member on- Efficiently designed system roll team, committed to 1 5 architecture - customizable delivering advanced solutions and scalable plat

  26. Slide 26: 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

  27. Slide 27: Balance Sheet and ALM

    4 Balance Sheet and ALM

  28. Slide 28: Robust Balance Sheet and Efficient Liability Management

    Robust Balance Sheet and Efficient Liability Management… Comfortable Liquidity Position Capital Adequacy – CRAR (%) Consolidated Net worth (INR mn) 30.5 75,655 71,212 27.7 27.8 26.6 26.9 25.9 24.7 22.8 42,194 37,659 FY24 FY25 FY26 Q1FY27 FY24 FY25 FY26 Q1 FY27 CGCL (Standalone) CGHFL CRAR remains co

  29. Slide 29: Asset-Liability Position - CGCL Standalone

    Asset-Liability Position - CGCL Standalone Maintains minimum 3 months of liquidity coverage at any given point 450,000 120,000 412,703 400,000 No 100,592 100,000 Maturity risk 343,920 342,656 350,000 (Cumulative net inflow for all 86,705 79,569 310,953 300,000 buckets) 80,000 257,215 250,000 70,047

  30. Slide 30: Enhanced Borrowing Mix

    Enhanced Borrowing Mix Widening lender base and increase in share of market borrowings Diversified Borrowing Profile (₹ mn) Consolidated Borrowings Break-up (₹ mn) 2% 1% 1% 1% 5% 4% 104,069 155,768 241,121 276,297 1% 4% 3% 4% 5% 7% 2% 3% 6% 320 5% 3% 2% 57,511 12% 310 11% 10% 51,785 270 83% 76% 37,8

  31. Slide 31: Co-lending with Partner Banks

    Co-lending with 11 Partner Banks 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 bo

  32. Slide 32: Financial Highlights

    5 Financial Highlights

  33. Slide 33: Strong Segmental Yields

    Strong Segmental Yields Robust Yields Sustained Alongside AUM Growth Gold Loans (%) MSME (%) 19.9% 18.6% 19.1% 17.3% 17.6% 16.8% 15.9% 15.4% FY24 FY25 FY26 Q1 FY27 FY24 FY25 FY26 Q1 FY27 Housing Finance (%) Construction Finance (%) 13.6% 13.1% 18.3% 12.7% 12.7% 17.8% 17.5% 17.8% FY24 FY25 FY26 Q1 FY

  34. Slide 34: Yield and Margins

    Yield and Margins Sustained Yield growth supported by Efficient Pricing Yield and Cost of Funds (%) Net Interest Margins (%)1 9.6% 17.5% 8.8% 16.2% 16.1% 8.5% 8.5% 15.1% 9.6% 9.0% 9.0% 8.9% FY24 FY25 FY26 Q1 FY27 FY24 FY25 FY26 Q1 FY27 Cost of Funds Yield on Avg. Total Int. earning assets NIM % Note

  35. Slide 35: Financial Highlights

    Financial Highlights High share of non-interest income Net Interest Income1 (₹ mn) Non-Interest Income^ (₹ mn) 3,837 5,019 8,620 2,145 20,331 45% 48% 47% 43% 13,637 10,195 7,459 27% 33% 42% 43% 28% 19% 11% 14% FY24 FY25 FY26 Q1 FY27 FY24 FY25 FY26 Q1FY27 Net Car Loan Fee Co-Lending Income Other Non-

  36. Slide 36: Financial Highlights: Improving Return Metrics

    Financial Highlights Improving Return Metrics Operating Profit (₹ mn)1 Operating Expense (₹ mn)2 14,470 20% 20% 19% 21% 9% 8% 7% 6% 11% 12% 10% 9% 7,341 5.4% 5,321 4,569 61% 60% 64% 64% 4.1% 1.5% 3.4% FY24 FY25 FY26 Q1 FY27 FY24 FY25 FY26 Q1 FY27 Operating Profit as a % of Avg. Total Assets Employee

  37. Slide 37: Prudent Provisioning and Healthy Asset Quality

    Prudent Provisioning and Healthy Asset Quality Healthy Asset Quality and Adequate Provisioning NPA (%) PCR (%) 1.9% 45.2% 41.7% 41.2% 43.3% ~35%^ 1.5% Login to Sanction ratio (Superior Customer Selection) 1.1% 1.1% 0.9% 0.9% 0.5% 0.6% ~100.0% Secured loans (Collateral cushion) FY24 FY25 FY26 Q1 FY27

  38. Slide 38: Supported by Segmental NPAs

    Supported by Segmental NPAs Improving trends in MSME and Gold loan segments Gold Loan MSME Loan GNPA NNPA GNPA NNPA 4.0% 4.0% 1.0% 0.8% 3.0% 3.1% 0.8% 0.7% 0.4% 0.3% 2.2% 2.1% 0.3% 1.7% 1.7% 0.2% FY24 FY25 FY26 Q1 FY27 FY24 FY25 FY26 Q1 FY27 Housing Finance Retail Construction Finance GNPA NNPA GNPA

  39. Slide 39: Corporate Governance

    » 6s ) Corporate Governance

  40. Slide 40: Experienced and Stable Management Team (1/2)

    Experienced and Stable Management Team (1/2) Experienced and Stable Management with over 20 years of avg. experience CORPORATE FUNCTIONS Divya Sutar Kishore Lodha Sanjeev Srivastava President & ED- Business Strategy Chief Financial Officer Chief Risk Officer Ex-Viteos Capital Markets & XL Ex-UGRO Fi

  41. Slide 41: Experienced and Stable Management Team (2/2)

    Experienced and Stable Management Team (2/2) Veteran Business Heads with over 25 years of avg. experience RETAIL BUSINESS RETAIL CONSTRUCTION FINANCE FEE BASED BUSINESS Ravish Gupta Vijay Kumar Gattani Rohit Chugh Chief Business Officer - CF Business Head – Insurance Chief Business Officer — Gold Lo

  42. Slide 42: Strong Corporate Governance Framework

    Strong Corporate Governance Framework Board of Directors Risk Management Nomination & Board Credit Committee Remuneration Committee 5 Independent Board of Directors including one woman Director Asset Liability Information Security Audit Committee Committee COMMITTEES Environmental, Stakeholder Socia

  43. Slide 43: ESG Snapshot & Ratings

    ESG Snapshot & Ratings Received Second-Party Opinion (SPO) rated “Good” by Sustainable Fitch for Environmental (E) Social (S) Governance (G) Company’s Sustainable Financing Framework (SFF) 23% Reduction of 15,519 Beneficiaries 100% DEI training for E-Waste Compared Reached Including senior managemen

  44. Slide 44: Appendix

    7 Appendix

  45. Slide 45: Shareholding: Ownership Structure & Capital Position

    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

  46. Slide 46: RoAA Tree

    RoAA Tree Calculated as % of Average Assets (%) 2024 2025 2026 Q1 FY27 Interest income 13.5% 14.5% 13.9% 15.3% Interest expenses 6.0% 6.9% 6.3% 6.7% Net Interest Income (A) 7.6% 7.6% 7.6% 8.6% Non-Interest Income (net of fee and commission) (B) 2.9% 2.8% 3.2% 2.5% Net income (C) = (A) + (B) 10.4% 10

  47. Slide 47: Consolidated Income Statement

    Consolidated Income Statement Annual Comparison All figures in ₹ mn except stated otherwise Profit and Loss A/C FY 24 FY 25 FY 26 Q1 FY27 Revenue from operations 23,129 32,475 47,311 15,765 Other Income 13 33 109 47 Total Income 23,142 32,508 47,420 15,812 Finance costs 8,359 12,736 17,298 5,865 Fee

  48. Slide 48: Consolidated Balance Sheet

    Consolidated Balance Sheet Annual Comparison All figures in ₹ mn except stated otherwise Balance Sheet FY24 FY25 FY26 Q1 FY27 Liabilities Paid-up equity 825 825 962 962 Reserves and surplus 37,541 42,216 71,073 74,692 Total Equity 38,366 43,041 72,035 75,655 Borrowings 104,069 155,768 241,121 276,29

  49. Slide 49: Disclaimer (1/3)

    Disclaimer (1/3) NOT FOR RELEASE, PUBLICATION OR DISTRIBUTION, DIRECTLY OR INDIRECTLY, IN OR INTO THE UNITED STATES, EXCEPT TO “QUALIFIED INSTITUTIONAL BUYERS” (AS DEFINED IN RULE 144A UNDER THE U.S. SECURITIES ACT OF 1933, AS AMENDED) OR IN ANY OTHER JURISDICTION IN WHICH SUCH RELEASE, PUBLICATION

  50. Slide 50: Disclaimer (2/3)

    Disclaimer (2/3) If a prospective investor is an asset management arm affiliated with a CMI, such prospective investor should indicate when placing an order if it is for a fund or portfolio where such CMI or its group company has more than 50% interest, in which case it will be classified as a “prop

  51. Slide 51: Disclaimer (3/3)

    Disclaimer (3/3) This presentation has not been, and will not be, reviewed or approved by any regulatory authority in India (including SEBI, the International Financial Services Centres Authority, and any Registrar of Companies) or by any Indian stock exchange. The securities mentioned herein have n

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