Capri Global Capital
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Capri Global Capital (531595) investor relations material

Capri Global Capital Corporate presentation summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Corporate presentation summary9 Feb, 2026

Business overview and growth trajectory

  • Achieved 50% AUM CAGR from FY22 to 9MFY26, reaching ₹304,065 mn AUM and 1,331 branches across 21 states and UTs.

  • Focuses on retail, secured, and diversified lending, with >80% retail and 100% secured loan book.

  • Product suite includes MSME, gold, affordable housing, micro LAP, retail construction finance, car loan distribution, and insurance.

  • Serves underserved and unbanked segments, especially in Tier 2/3/4 cities.

  • Advanced in-house technology and data science drive operations, collections, and risk management.

Financial performance and profitability

  • Q3FY26 AUM up 47% YoY; PAT up 99% YoY to ₹2,554 mn; ROAA at 4.0%, ROAE at 15.0%.

  • 9MFY26 PAT up 122% YoY to ₹6,663 mn; cost-income ratio improved to 49.4%.

  • Net interest income grew 48% YoY in 9MFY26; non-interest income forms 32% of total income.

  • Maintains robust capital adequacy (CRAR 30.3%) and diversified funding with 30+ lenders.

  • High collection efficiency and disciplined credit costs support strong profitability.

Asset quality and risk management

  • GNPA/NNPA at 1.18%/0.67% as of Q3FY26; provision coverage at 43.6%.

  • Segmental NPAs show improvement across MSME, housing, gold, and construction finance.

  • 99.9% of loans are secured; robust in-house collections and analytics-driven recovery processes.

  • Prudent provisioning with ECL coverage and no ALM mismatch.

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Next Capri Global Capital earnings date

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Q4 25/266 May, 2026
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Q4 25/266 May, 2026

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