Capri Global Capital Limited — PPTs, 06-05-2025: Investor Presentation

1. Financial Highlights:

Capri Global Capital’s consolidated AUM rose 46% YoY to ₹2,28,573 Mn. Net interest income increased 49% YoY to ₹3,812 Mn, while net total income grew 51% YoY to ₹5,624 Mn in Q4FY25. Operating profit more than doubled to ₹2,540 Mn, with PAT up 115% YoY at ₹1,777 Mn. Asset quality was stable with gross stage 3 NPAs at 1.5% and net NPAs at 0.9%. Return on equity and assets improved to 16.9% and 3.6%, respectively. Cost-to-income ratio improved to 54.8%. The balance sheet expanded 38% YoY to ₹2,08,313 Mn, supported by stronger bank borrowings and healthy liquidity.

2. Strategic Initiatives & Growth Drivers:

Growth was broad-based across MSME, gold loans, housing, and construction finance, with co-lending and direct assignments driving AUM. The gold loan segment saw rising yields and larger ticket sizes. Network expansion continued with 45 new branches added, totaling 1,111 branches and 813 car loan distribution points. Investment in tech centers in Gurugram, Bengaluru, and Noida aims to enhance data-driven and AI-based credit underwriting.

3. Business Developments:

Fee income strengthened with ₹727 Mn from insurance distribution in FY25, supported by partnerships with 18 insurers. Loan origination remained resilient, with car loans growing 8% YoY. Co-lending AUM showed robust growth across asset classes.

4. Market Position & Competitive Advantage:

Capri leverages a diversified product portfolio spanning MSME, gold loans, housing, construction finance, and car loans, backed by a pan-India branch network. Its focus on tech-enabled underwriting, stable asset quality, and niche leadership in gold and construction finance segments offers differentiation and scalability.

5. Investor Implications:

The company exhibits strong growth potential backed by product diversification, margin expansion, and asset quality stability. Operational efficiencies and healthy capital adequacy support confidence in execution. Investors should monitor credit costs alongside the momentum in non-interest income and expanding market reach.