Capri Global Capital (531595) investor relations material

Strategic positioning and growth

• Achieved 53% AUM CAGR from FY22 to FY26, scaling AUM from ₹66,347 mn to ₹366,233 mn and expanding branches from 117 to 1,429.

• Focused on retail, secured, and diversified lending, with >85% retail and 100% secured loan book.

• Targeting underserved and unbanked segments, especially in Tier 2/3/4 cities, with products like MSME, housing, gold, and construction finance.

• Extensive branch network and tech-enabled operations support rapid growth and deeper market penetration.

Financial performance and profitability

• FY26 AUM reached ₹366,233 mn, up 60% YoY; PAT grew 98% YoY to ₹9,486 mn.

• Net interest income rose 50% YoY to ₹19,979 mn; non-interest income up 71% YoY to ₹8,597 mn.

• Cost-to-income ratio improved to 49.4% in FY26 from 59.9% in FY25.

• ROAA increased to 3.5% and ROAE to 16.5% in FY26.

Asset quality and risk management

• GNPA/NNPA improved to 0.9%/0.5% in FY26, with provision coverage at 41.2%.

• 100% of loans are secured, with robust in-house collections and advanced analytics for risk monitoring.

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