Capri Global Capital (531595) Investor presentation summary

Business profile and positioning

• Q2 FY27 AUM was ₹438.8bn, up 62% YoY; portfolio is over 85% retail and 100% secured, with lending and fee-based activities.

• Network comprised 1,609 branches across 20 states and UTs; customer base exceeded 823,000, supported by 40+ lenders and 11+ co-lending partners.

• Focus segments include MSME, gold, affordable housing and construction finance; gold, housing and MSME lending are positioned as high-growth NBFC segments.

• A 150+ member technology team supports in-house digital lending, underwriting, collections and data analytics applications.

Q2 and H1 FY27 performance

• Q2 FY27 AUM rose 62% YoY to ₹438,780mn; net interest income increased 69% to ₹8,125mn and non-interest income rose 34% to ₹2,730mn.

• Q2 FY27 operating profit grew 84% YoY to ₹6,363mn and PAT increased 77% to ₹4,183mn; H1 PAT rose 88% YoY to ₹7,717mn.

• Q2 FY27 cost-to-income ratio improved to 41.4% from 49.4% YoY; ROAE was 21.6% and ROAA was 4.4%.

• Q2 FY27 yield on net advances was 17.5%, spread 8.3% and NIM 9.6%; H1 net interest income increased 74% YoY.

Portfolio quality and funding

• Q2 FY27 GNPA was 1.2% and NNPA 0.8%, versus 1.3% and 0.7%, respectively, in Q2 FY26; provision coverage was 33.3%.

• Q2 FY27 CRAR was 22.7%; the funding base included 40+ lenders, with ₹3,621mn of undrawn limits and ₹44,276mn of new credit facilities sanctioned during the quarter.

• Co-lending and direct assignment AUM was ₹90,834mn in Q2 FY27, equal to 20.7% of consolidated AUM.