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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.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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