Capri Global Capital (531595) Investor presentation summary

Business overview and market positioning

• Focuses on retail, secured, and granular lending with a diversified loan book across MSME, gold, housing, and construction finance segments.

• Operates 1,433 branches across 21 states and UTs, serving over 765,000 customers.

• Advanced in-house technology and data science drive end-to-end digital loan journeys and collections.

• Targets underserved and unbanked segments, especially in semi-urban and rural areas.

• Achieved 62% AUM CAGR (FY22–FY26), reaching ₹401bn AUM in Q1 FY27.

Financial performance and growth

• Q1 FY27 AUM grew 62% YoY to ₹401bn; PAT up 102% YoY to ₹3,534mn.

• Net interest income rose 79% YoY; non-interest income up 28% YoY.

• Cost-to-income ratio improved to 44.2%; ROAA at 4.1% and ROAE at 19.1%.

• Maintains strong asset quality: GNPA at 1.1%, NNPA at 0.6%, and provision coverage at 43.2%.

• Diversified funding with 40+ lenders and 11 co-lending partners; CRAR at 24.7%.

Product and geographic diversification

• Product mix includes MSME loans, gold loans, affordable housing, retail construction finance, and fee-based services like insurance and car loan distribution.

• Top three regions now constitute 50% of the portfolio, down from 68%, reflecting broader geographic reach.

• Rapid branch expansion, especially in gold loans, with significant investments in tech centers.

• Fee income streams growing, with car loan origination and insurance distribution contributing significantly.