Capri Global Capital Limited · NSE:CGCL
Capri Global Capital — Investor Presentation (August 2025)
87 slides from Capri Global Capital's investor presentation, Aug 13, 2025
Slide 1: Exchange intimation letter on corporate presentation
August 13, 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: CG
Slide 2: Capri Global Capital Corporate Presentation August 2025
Capri Global Capital Corporate Presentation August 2025
Slide 3: Table of Content
Table of Content 1 Positioning Highlights 2 Key Strategies 3 Technology and Data Science 4 Quarterly Financial Performance 5 Yearly Financial Performance 6 ESG 7 Annexure
Slide 4: Fast Growing NBFC with 51% AuM CAGR
Capri Global Capital Limited – Fast Growing NBFC with 51% AuM CAGR* Overview Our Offerings Our Growth hsfe ➢ Retail focused & Granular Portfolio FY22 Q1FY26 ➢ Secured & Diversified Loan book 3.7x Insurance AUM MSME Loan 66,347 247,538 Distribution (₹ mn) ➢ Catering Unbanked and Underserved segment 1
Slide 5: Capri Global at a Glance
Capri Global at a Glance Retail-Focused, Secured, High Growth, Well-Diversified & Tech-Enabled NBFC Scale of Operations Distribution Granular Book Asset Quality Liability Profile Profitability ₹247,538 mn 1,138 99.9% 1.67% 24 7.2% / 8.9% AUM Number of Branches Secured Lending Gross NPA Lender Relati
Slide 6: Positioning Highlights
@ Positioning Highlights NX
Slide 7: Proven Track Record of Execution and Scaling Businesses
Capri Global has Proven Track Record of Execution and Scaling 1 Businesses in a Disciplined Way Long Vintage Makes Business Model Resilient through Macro Events CAPRI 1.0: Establishing the Bedrock of a Multifold Growth CAPRI 2.0: Cementing Leadership through Tech Up to ~58x AUM Growth in over 12 yrs
Slide 8: India Offers Massive Opportunity for Credit Growth
India Offers Massive Opportunity for Credit Growth – Favorable Macro and 2 Monetization of Household 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
Slide 9: Retail Secured Lending Has Massive Under penetration and Credit Gap
2 Retail Secured Lending Has Massive 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 Overall Cr
Slide 10: NBFCs have Unique Strengths To Address the Credit Gap
2 NBFCs have Unique Strengths To Address the 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 business Hig
Slide 11: Focus Segments – MSME, Housing, Micro LAP & Gold Loans
Capri Global’s Focus Segments – MSME Loan, Housing Loan, Micro Lap & Gold 3 Loans 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 M
Slide 12: Established Strong Expertise in Each Business Segment
4 Capri Global has Established Strong Expertise in Each of the Business Segments MSME & Housing Loans Gold Loan Construction Finance Deep understanding of sector specific Superior execution capability – fastest Niche expertise - deep knowledge of the nuances and focus on SENP customers with amongst
Slide 13: MSME Loans
4 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 14: Affordable Housing Loans
4 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 advanced technology ➢ Major
Slide 15: Gold Loans
4 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: Construction Finance
4 Construction Finance | Retail Focused with Granular and Secured Loan Book Led by deep underwriting WHO ARE OUR CUSTOMERS? WHAT OUR CUSTOMERS NEED? knowledge of segment ➢ Small & mid-sized real estate developers in Metro and Tier 1 ➢ Financing required by builders for construction of affordable cit
Slide 17: Insurance Distribution
4 Insurance Distribution | Complementary Asset Light Income Streams Strategic Partnerships with 18 Insurance Companies Policies | Key Statistics 9 5 4 Cross Sell 93.1% Gold Housing 30.6% 38.2% MSME 29.8% Direct 6.9% Life Insurance General Insurance Health Insurance Car Loan 1.4% Companies Companies
Slide 18: Car Loan Origination
4 Car Loan Origination | Complementary Asset Light Income Streams Amongst the large non-dealer third party distributor Partner Banks & Financial Institutions 02 12 PAN India Presence 15 Partner Banks & financial institutions 25 04 23 36 04 04 821 04 80 01 09 62 39 02 Locations in 31 States & UTs 03
Slide 19: Car Loan Origination – Rising Originations
4 Car Loan Origination | Complementary Asset Light Income Streams 19% YoY Increase in the Value of Loan Originations Consistently Rising Loan Originations (₹ mn)^ Loan Originations (₹ mn) and Volume Full Year (Nos.)^ Originations Volume 105,519 29,693 97,415 100,744 28,700 26,511 94,636 24,783 22,34
Slide 20: Diversified Business by Product and Geography
5 Capri Global has Diversified Business by Product and Geography… Product Diversification – Entering into New Segments Geographical Diversification – Entering into New Markets# 1.1% 2.0% 0.6% 1.0% 1.2% 4.7% 3.2% 0.8% 1.0% 3.4% 18.3% 22.1% 14.3% 19.1% 12.6% 4.9% 21.1% 8.1% AUM AUM AUM (FY22) 49.8% (Q
Slide 21: Delivered through Extensive Branch Network
6 …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 04 821 Branches in 10 States & UTs 08 100 04 317 Branches in 1
Slide 22: Developed Advanced Technology
7 Capri Global has Developed Advanced Technology 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 platform End to end d
Slide 23: Prudent Provisioning & Risk Management
8 Prudent Provisioning & Risk Management 99.88% NPA (%) Gross Net PCR (%) 45.2 Secured loans 41.7 (Collateral cushion) 2.4 41.0 1.9 30.9 30.5 1.70 1.7 1.5 1.7 ~31%* Login to Sanction ratio 1.21 (Superior Customer 1.06 1.00 Selection) 0.90 *For MSME Loan, Housing Loan 99.86% Robust Collections FY22 F
Slide 24: Robust Balance Sheet and Efficient Liability Management
9 Capri Global has Robust Balance Sheet and Efficient Liability Management… Capital Adequacy - CRAR (%) Borrowings (1QFY26) ALM Market Borrowings ICD 46.97 0.2% 39.86 4.3% 34.39 Financial institutions 11.4% 29.40 33.13 26.62 30.51 28.90 22.84 26.93 NHB Refinancing Total: No 5.5% Maturity risk ₹159,7
Slide 25: Leveraging Co-lending
9 … 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 borrowing
Slide 26: Strong Corporate Governance
10 Capri Global has 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 Di
Slide 27: Experienced and Stable Management Team (1/2)
11 Capri Global has Experienced and Stable Management Team (1/2) Proven Track Record of Scaling Businesses RETAIL BUSINESS CONSTRUCTION FINANCE & INDIRECT LENDING FEE BASED BUSINESS Ravish Gupta Vijay Kumar Gattani Sanjay Manglani Business Head — Gold Loans Director – Credit – CF Head - Insurance Ex
Slide 28: Experienced and Stable Management Team (2/2)
11 Capri Global has Experienced and Stable Management Team (2/2) Proven Track Record of Scaling Businesses CORPORATE FUNCTIONS Divya Sutar Kishore Lodha Vinay Surana Director — Business Strategy Chief Financial Officer Head — Treasury GMP (Harvard Business School), Ex-UGRO Finance, Hinduja Finance,
Slide 29: 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; 16.9% Yields, 7.2% Spread and 8.9% NIM for the quarter Huge Market Opportunity: Focus Segments MSME loans,
Slide 30: 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 31: Key Strategies
2 Key Strategies
Slide 32: 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 33: 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 e
Slide 34: Technology and Data Science
3 Technology and Data Science
Slide 35: In-house Applications for End-to-end Digital Journey
Complete Suite of In-house Developed 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 LO
Slide 36: Customer Onboarding: Pragati Mobile App
1. Customer Onboarding Pragati Mobile App A digital customer on-boarding app empowering direct sales executives to collect customer documents electronically and smooth application login process Digital document collection - high-accuracy OCR for upload of KYC, ➢ income, property and business documen
Slide 37: Customer Onboarding: Capri Business Partner App
1. Customer Onboarding Capri Business Partner App A digital platform enabling seamless end-to-end engagement with Capri Business Partners ➢ Real-time updates on lead qualification and loan progress ➢ Live status tracking of loan progress and easy document upload ➢ Automated invoicing - one-day incen
Slide 38: Credit Underwriting
2. Credit Underwriting 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 u
Slide 39: Credit Underwriting: CPU and PD Mobility App
2. Credit Underwriting Central Processing Unit Personal Discussion Mobility App A centralized unit for quality and non-discrepancy checks An app designed for personal discussions (PD) and property verification Integrated query module for customers to upload additional ➢ documents securely via WhatsA
Slide 40: Credit Underwriting: Technical Evaluation
2. Credit Underwriting Technical Evaluation - Digital App for Collateral Evaluation An in-house developed technical app ensuring uniformity and accuracy in collateral evaluation ➢ Historical transaction data for trends in property values ➢ Insights from property registration data ➢ Delinquency trend
Slide 41: Credit Underwriting: Risk-Based Pricing
2. Credit Underwriting Risk-Based Pricing A BRE and scorecard-driven approach ensuring commercial approvals aligned with customer risk profile CapriScore based on customer demographic, bureau score and application ➢ parameters, collateral quality ➢ Customer categorization by risk profile System reco
Slide 42: Credit Underwriting: Dashboards and TAT
2. Credit Underwriting Comprehensive Dashboards – CAM Summary Focus on TAT Improvement Digital Security: Strong Room Managed by High Tech AI System FocusedBranch approach to monitor Security: region-wise, branchwise and process stage 3 Layers ➢ Consolidated summary of Credit Appraisal Memorandum(CAM
Slide 43: Disbursement and Customer Engagement
3. Disbursement and Customer Engagement E-sign Capri Loans App A fully digital process offering a seamless customer experience for loan A digital and secure platform designed for customer engagement and sanction and disbursement payments ➢ E-Stamp and E-Sign digital sanction documents ➢ Easy access
Slide 44: Collections: Data Analytics Driven Approach
4. Collections | Disciplined And Data Analytics Driven Approach 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 45: Collections: Dashboard and CollectXpress App
4. Collections | Disciplined And Data Analytics Driven Approach Collection Dashboard CollectXpress App A state-of-the-art dashboard offering real-time analysis and visibility A digital app designed to enhance productivity of field collection agents into field collection progress ➢ Route map optimiza
Slide 46: Underwriting Gold Loans Through Technology
5. Underwriting Gold Loans Through Technology State-of-the-Art Branches Equipped with AI Powered Security Systems Branch Security: 3 Layers Digital Security: Strong Room Managed by High Tech AI System ➢ Access to main channel gate lock post verification by security guard ➢ Access linked with 3 Door
Slide 47: Gold Loans: End-to-end Digital Process
5. Underwriting Gold Loans Through Technology End-to-end Digital Process A proprietary LOS (Swarnim) that digitizes and streamlines loan processing, customer experience and risk management ➢ 100% digital journey enabling faster loan approvals OTP-Based E-Sign to simplify documentation and reduce ➢ o
Slide 48: Gold Loans: Digital Disbursement and Collection
5. Underwriting Gold Loans Through Technology End-to-end Digital Process Digital Disbursement and Collection Dedicated relationship manager for smooth and faster customer ➢ onboarding process Transparent process through live CCTV recording of gold evaluation by ➢ certified gold valuers ➢ Customer li
Slide 49: Quarterly Financial Performance
4 Quarterly Financial Performance
Slide 50: Performance Highlights
Performance Highlights (In ₹ mn unless stated otherwise) Q1FY26 Q1FY25 YoY Q4FY25 QoQ AUM 247,538 174,587 42% 228,602 8% Net Interest Income 4,156 3,013 38% 3,812 9% Non Interest Income 1,661 1,089 53% 1,813 8% Operating Expenses 2,702 2,650 2% 3,084 12% Operating Profit 3,115 1,452 115% 2,540 23% P
Slide 51: Business Update
Business Update Consolidated AUM Up 42% YoY AUM Break Up (₹ mn) Composition of AUM (%) 247,538 228,602 1,600 1.7% 1.2% 1.2% 0.9% 0.6% 2,042 206,726 1,92,726 45,206 2,553 16.1% 17.4% 18.1% 18.1% 18.3% 2,220 41,329 1,74,587 2,914 37,423 33,462 54,903 23.8% 22.6% 22.2% 22.5% 22.8% 28,082 52,019 46,476
Slide 52: Retail AUM
Retail AUM Co-Lending AUM showing Steady Growth Co-Lending AUM (₹ mn) MSME AUM (₹ mn) 18.3% 18.9% 54,779 16.4% 17.9% 17.8% 52,789 48,014 47,601 49,258 46,804 10,315 40,798 10.025 36,912 7,547 9,348 9,561 9,710 35,192 5,963 28,620 4,692 5,495 3,550 28,942 20,939 21,707 24,810 42,767 44,464 15,722 38,
Slide 53: Network
Network Operational Expansion to Support Growth of New Businesses Branch Addition Normalizing 1,111 1,138 1,066 968 997 • Increased branch network with a net addition of 27 branches during Q1FY26. Total branch network stood at 1,138 branches 776 803 821 vs. 968 branches in Q1FY25. 750 758 • Mortgage
Slide 54: Segmental Yields
Segmental Yields Stable Yields MSME (%) Housing Finance (%) 16.0% 13.0% 13.0% 13.1% 15.7% 15.7% 15.5% 15.7% 12.7% 12.7% Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Construction Finance (%) Gold Loans (%) 22.1% 17.2% 17.2% 17.3% 17.3% 20.6% 20.7% 17.1% 20.0% 19.2% Q1FY25 Q2F
Slide 55: Yields and Margins
Yields and Margins Yield on Net Advances (%) Cost of Borrowings (%)1 9.8% 9.7% 9.6% 16.9% 16.8% 16.9% 9.4% 9.4% 16.3% 16.5% Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Note: Calculated as (Interest on Advances) / (Avg. Net Advances) Note: Calculated as (Interest Expense on
Slide 56: Financial Highlights
Financial Highlights Total Income grew 42% YoY; Continued Momentum in Fee Income Net Interest Income (₹ mn) Non-Interest Income (₹ mn) 4,156 1,813 3,812 1,661 183 Treasury 3,453 61 3,013 3,050 338 276 Insurance Fee 1,089 1,032 1,074 366 Income 181 119 162 496 125 127 137 Other Non- 135 199 193 inter
Slide 57: Financial Highlights
Financial Highlights Sharp Improvement in Cost/Income YoY Basis; Operating Profit up 115% YoY Operating Expenses (₹ mn) Cost-Income (%) & Cost / AAUM excl. CLO (%)* 3,084 Cost/AAUM excl. CLO Cost-Income 2,651 2,626 2,636 2,702 64.6% 64.3% 918 58.2% 900 907 842 875 6.4% 54.8% 5.7% 5.7% 46.5% 5.3% 2,1
Slide 58: Profitability and Key Ratios
Profitability and Key Ratios PAT rises 131% YoY PAT (₹ mn) Earnings per Share and Book Value per Share (₹) 1,777 1,749 2.1 2.0 1.5 0.9 1.2 67.0 1,281 50.0 52.2 47.5 48.6 970 757 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Return on Avg. Assets (% annualized) Return on Avg.
Slide 59: Well Capitalized For Medium Term Growth
Well Capitalized For Medium Term Growth Consolidated Networth (₹ mn) Capital Adequacy (%) 64,380 34.5% 32.1% 31.9% 29.3% 28.9% 26.9% 43,041 25.4% 41,269 23.7% 22.9% 40,125 22.8% 39,195 55,010 32,959 33,898 31,204 31,973 5,250 5,250 5,250 5,750 5,750 2,741 2,902 3,060 3,393 3,620 Q1FY25 Q2FY25 Q3FY25
Slide 60: Liability Mix
Liability Mix Increase led by Bank Borrowings Diversified Funding Profile (₹ mn) Consolidated Borrowings Break-up (₹ mn) 159,790 159,790 155,768 155,768 8,779 330 140,921 8,785 140,921 270 128,099 18,180 700 8,112 19,124 128,099 118,623 6,981 6,870 37,852 39,800 10,427 5,087 118,623 640 7,418 6,212
Slide 61: Liquidity Position
Liquidity Position Comfortable Liquidity Position Particulars (₹ mn) CGCL (Standalone) CGHFL Consolidated Limits Sanctioned 203,040 68,309 271,349 Limits Availed 198,050 64,138 262,188 Un-Drawn 4,990 4,172 9,162 Repaid 90,385 24,293 114,679 Outstanding 107,665 39,844 147,509 Total no. of relationshi
Slide 62: Segmental NPAs
Segmental NPAs Healthy Asset Quality MSME Housing Finance GNPA NNPA GNPA NNPA 5.0% 4.1% 4.3% 3.9% 3.5% 2.9% 1.6% 1.7% 1.7% 2.4% 1.4% 1.5% 2.2% 2.0% 1.9% 1.1% 0.9% 1.0% 0.9% 0.9% Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Gold Loan Construction Finance GNPA NNPA GNPA NNPA 1
Slide 63: Asset Quality
Asset Quality Adequate Provisioning Coverage ₹ mn except stated ECL Analysis As Per IndAS Q1FY26 Q4FY25 Q3FY25 Q2FY25 Q1FY25 Stage 1 & 2 - Gross 197,346 184,917 166,981 154,945 143,558 Stage 1 & 2 - ECL Provisions 1,848 1,481 1,542 1,486 1,441 Stage 1 & 2 - Net 195,499 183,436 165,439 153,459 142,11
Slide 64: Consolidated Income Statement
Consolidated Income Statement Quarterly Comparison ₹ mn except stated Particulars Q1FY26 Q1FY25 Y-o-Y (%) Q4FY25 Q-o-Q (%) Interest earned 8,096 5,724 41% 7,393 10% Interest expended 3,940 2,711 45% 3,581 10% Net interest income 4,156 3,013 38% 3,812 9% Non-interest income 1,661 1,089 53% 1,813 (8%)
Slide 65: Consolidated Balance Sheet
Consolidated Balance Sheet Quarterly Comparison ₹ mn except stated Particulars Q1FY26 Q1FY25 YoY (%) Q4FY25 QoQ (%) Paid-up equity 962 825 17% 825 17% Reserves and surplus 63,418 38,370 65% 42,216 50% Total Equity 64,380 39,195 64% 43,041 50% Bank borrowings 152,920 112,168 36% 150,682 1% Debt secur
Slide 66: Yearly Financial Performance
5 Yearly Financial Performance
Slide 67: AUM and Loan Growth
AUM and Loan Growth Consolidated AUM Up 51% CAGR FY22-25 AUM Break Up (₹ mn) Gross Loans Break Up (₹ mn) CAGR CAGR 228,602 185,178 51% 42% 2,042 2,039 41,329 48% 40,524 48% 136,744 156,540 3,138 3,152 52,019 38% 44% 25,775 45,181 26,213 96,527 103,205 3,404 38,458 3,412 42,091 17,943 64,415 18,301 8
Slide 68: Segment Wise Loan Yields
Segment Wise Loan Yields Improving Yields MSME (%) Housing Finance (%) 15.7% 15.5% 15.5% 15.5% 13.0% 12.7% 12.4% 12.4% FY22 FY23 FY24 FY25 FY22 FY23 FY24 FY25 Gold Loans (%) Construction Finance (%) 22.1% 17.5% 17.3% 18.9% 18.5% 17.1% 16.9% na* FY22 FY23 FY24 FY25 FY22 FY23 FY24 FY25 *Gold Loan busi
Slide 69: Yields & Margins
Yields & Margins Improving spreads and margins Yield on Net Advances (%) Cost of Borrowings (%)1 16.3% 9.5% 15.6% 8.9% 8.4% 14.8% 14.5% 7.6% FY22 FY23 FY24 FY25 FY22 FY23 FY24 FY25 Note: Calculated as (Interest on Advances) / (Avg. Net Advances) Note: Calculated as (Interest Expense on Borrowings) /
Slide 70: Financial Highlights
Financial Highlights High share of non-interest income Net Interest Income (₹ mn) Non-Interest Income^ (₹ mn) 13,320 30.0% 27.9% 27.3% 19.5% 5,009 9,857 3,821 48% 2,720 6,361 45% 5,087 1,231 36% 20% 27% 33% 64% 14% 22% 43% 28 % 19% FY22 FY23 FY24 FY25 Total Other Non-interest Income FY22 FY23 FY24 F
Slide 71: Financial Highlights
Financial Highlights Improving Return Metrics Operating Profit (₹ mn) Credit Costs* (₹ mn) 7,341 1,057 1,008 913 4,569 3,783 1.6% 642 3,325 4.1% 0.7% 0.6% 3.5% 3.4% 5.8% 0.7% FY22 FY23 FY24 FY25 FY22 FY23 FY24 FY25 Operating Profit as a % of Avg. Total Assets Credit Cost As a % of Avg. Total Assets
Slide 72: Segmental NPAs
Segmental NPAs MSME Loan Housing Finance GNPA NNPA GNPA NNPA 4.0% 3.9% 3.9% 3.4% 1.5% 2.9% 1.3% 1.4% 2.5% 1.1% 1.2% 2.1% 2.0% 0.9% 0.8% 0.8% FY22 FY23 FY24 FY25 FY22 FY23 FY24 FY25 Gold Loan Construction Finance GNPA NNPA GNPA NNPA 1.0% 0.9% 0.8% 0.8% 0.7% 0.3% 0.2% 0.2% 0.1% 0.1% 0.1% NA NA 0.0% 0.
Slide 73: Asset Quality
Asset Quality Maintained Adequate PCR ₹ mn except stated ECL Analysis As Per IndAS FY22 FY23 FY24 FY25 Stage 1 & 2 - Gross 63,627 96,028 135,567 184,917 Stage 1 & 2 - ECL Provisions 1,231 1,268 1,364 1,481 Stage 1 & 2 - Net 62,396 94,760 134,202 183,436 Stage 1 & 2 - ECL Provisions % 1.93% 1.32% 1.0
Slide 74: 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% Other income
Slide 75: 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 76: Du Pont Analysis
Du Pont Analysis RoAA Tree (%) 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 Other Income 1.2 1.9 2.9 2.8 2.8 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
Slide 77: ESG
6 ESG
Slide 78: Environment, Social, Governance (ESG)
ENVIRONMENT, SOCIAL, GOVERNANCE (ESG) ESG rating of 69 given by NSE ENVIRONMENT SOCIAL ➢ E-waste is responsibly disposed through authorized ➢ Training on ESG principles for Employees recyclers ➢ Workplace Inclusion, Health, and Safety: ➢ Continued investment in digital transformation to Committed to
Slide 79: 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 80: 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 81: 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 82: Shareholding
Shareholding ₹ 166bn ₹ 64.4bn ₹ 961.6mn ₹1 US$ 1.9bn2 Market capitalisation1 Cons. Net worth3 (Q1FY26) Paid-up Equity Face Value NOTES 14.93% 1. Market capitalization NSE on 30th June‘25. 2. 1 US$ = ₹ 85.70. Promoter Group 3. Not adjusted for DTAs; ₹ 63.4bn after adjusting for Institutional Sharehol
Slide 83: Annexure
7 Annexure
Slide 84: 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 85: 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 86: 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 87: 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 (August 2025) on 6ix