Capri Global Capital Limited — PPTs, 30-10-2025: Investor Presentation

Capri Global Capital Ltd (CGCL) posted strong financial results for Q2FY26 and H1FY26.

**Business Performance:** Assets Under Management (AUM) grew 40% YoY to ₹27,040.1 Cr. Net Interest Income surged 57% YoY to ₹479.5 Cr, and Profit After Tax (PAT) jumped 143% YoY to ₹236 Cr for Q2FY26. Operating profit rose 137% YoY to ₹345.3 Cr, driven by a 97% YoY increase in non-interest income. Key segments like Gold, MSME, and Housing contributed to AUM growth. Asset quality improved, with Net Non-Performing Assets (NNPA) at 0.7%.

**Growth Drivers & Strategy:** CGCL targets AUM of ₹50,000 Cr by FY28 and over ₹100,000 Cr by FY33, at a 25-30% CAGR. This growth will be fueled by customized products for underserved markets, geographic expansion, and leveraging AI and data analytics for operational efficiency. The company also focuses on cross-selling to its growing customer base and diversifying funding.

**Recent Developments:** The total branch network expanded to 1,224 locations. Car Loan originations by value increased 14% YoY, and insurance distribution generated ₹100.3 Cr in H1FY26 premiums.

**Key Financial Metrics:** Q2FY26 Return on Average Equity (ROAE) stood at 14.4% and Return on Average Assets (ROAA) at 4.0%. Basic Earnings per Share (EPS) was ₹2.45.

**Management Outlook:** Management aims to deliver 16-18% RoAE and 4.0-4.5% RoAA by FY28, emphasizing margin expansion, cost efficiency, and improved underwriting through technology.