Capri Global Capital Limited

26%

UTs across North and West India; over 10,150 employees as of Sep’23. 04 Consolidated AUM CAGR of 26% and average Consolidated RoAs of 3.2% FY19-23. AUM growth at 59% YoY in Sep’23. 05 Addition of ne

3.2%

r 10,150 employees as of Sep’23. 04 Consolidated AUM CAGR of 26% and average Consolidated RoAs of 3.2% FY19-23. AUM growth at 59% YoY in Sep’23. 05 Addition of new products creating foundation for a s

59%

’23. 04 Consolidated AUM CAGR of 26% and average Consolidated RoAs of 3.2% FY19-23. AUM growth at 59% YoY in Sep’23. 05 Addition of new products creating foundation for a strong and sustainable growt

Rs300

ddition of new products creating foundation for a strong and sustainable growth. 06 AUM target of Rs300bn and earnings target of mid-teen RoE over medium term. 07 ESG: Capri’s loans to new-to-credit cu

₹ 14.4

A P R I G L O B A L 2 Capri Global: Our Journey FY 2023 Launched Gold Loans in Aug’22, raised ₹ 14.4bn equity through Rights Issue in Mar’23 FY 2017 Forayed into Housing Finance business vertical

INR 0.2

ortfolio: Business loan against residential, commercial or industrial properties Ticket size: INR 0.2- 20 Mn, with average ticket size of INR 1.7 Mn Tenor: Up to 15 years Security: First and excl

INR 1.7

, commercial or industrial properties Ticket size: INR 0.2- 20 Mn, with average ticket size of INR 1.7 Mn Tenor: Up to 15 years Security: First and exclusive charge on collateral property with clea

INR 1.1

f homes; plot purchase & home equity loans Ticket size: INR 0.2- 15 Mn (Average ticket size of INR 1.1 Mn) Tenor: Up to 25 years Security: First & exclusive charge on mortgage property with clean a

INR 3,000

ty with clean and marketable title Product portfolio: Loan against gold jewellery Ticket size: INR 3,000 to INR 3 Mn with an ATS at disbursal of INR 0.12 Mn and ATS of INR 0.12 Mn on outstanding basis.

INR 3

and marketable title Product portfolio: Loan against gold jewellery Ticket size: INR 3,000 to INR 3 Mn with an ATS at disbursal of INR 0.12 Mn and ATS of INR 0.12 Mn on outstanding basis. Tenor:

INR 0.12

io: Loan against gold jewellery Ticket size: INR 3,000 to INR 3 Mn with an ATS at disbursal of INR 0.12 Mn and ATS of INR 0.12 Mn on outstanding basis. Tenor: Up to 1 Year Security: Hypothecation of

75%

1 Year Security: Hypothecation of gold ornaments (18 to 22 carat gold) with a maximum LTV of 75% Construction Finance Product portfolio: Construction-linked loans to small and mid-sized real

“04 Consolidated AUM CAGR of 26% and average Consolidated RoAs of 3.2% FY19-23.”

“06 AUM target of Rs300bn and earnings target of mid-teen RoE over medium term.”

“The Company is well capitalised for medium term growth.”

“❑ Consistent in maintaining underwriting standards: o Growth driven by volumes and not ATS inflation – Between FY18-FY23, live customer relationships have grown at 43% CAGR while AUM has grown at 31% CAGR.”

“No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the Company.”

“Any opinion, estimate or projection herein constitutes a judgment as of the date of this Presentation, and there can be no assurance that future results or events will be consistent with any such opinion, estimate or projection.”

Product portfolio

6

Security

2

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1 Capri Global : Profitable Lending With Social Impact 01 A NBFC with presence across high growth segments like MSME, Affordable Housing, Construction Finance segments, Car Loan distribution; forayed into Gold Loans in Aug’22. 02 Promoted by first generation entrepreneur, Mr. Rajesh Sharma, CGCL is listed on BSE and NSE; part of NIFTY Small cap 250 Index. 03 917 branches in 14 States & UTs across North and West India; over 10,150 employees as of Sep’23. 04 Consolidated AUM CAGR of 26% and average Consolidated RoAs of 3.2% FY19-23. AUM growth at 59% YoY in Sep’23. 05 Addition of new products creating foundation for a strong and sustainable growth. 06 AUM target of Rs300bn and earnings target of mid-teen RoE over medium term. 07 ESG: Capri’s loans to new-to-credit customers and women borrowers are creating a social impact through financial empowerment. C A P R I G L O B A L 2 Capri Global: Our Journey FY 2023 Launched Gold Loans in Aug’22, raised ₹ 14.4bn equity through Rights Issue in M

Product portfolio

Business loan against residential, commercial or industrial properties Ticket size: INR 0.2- 20 Mn, with average ticket size of INR 1.7 Mn Tenor: Up to 15 years Security: First and exclusive charge on collateral property with clean and marketable title

Product portfolio

Home loans for – Purchase of residential units; cons. extn., renovation of homes; plot purchase & home equity loans Ticket size: INR 0.2- 15 Mn (Average ticket size of INR 1.1 Mn) Tenor: Up to 25 years Security: First & exclusive charge on mortgage property with clean and marketable title

Product portfolio

Loan against gold jewellery Ticket size: INR 3,000 to INR 3 Mn with an ATS at disbursal of INR 0.12 Mn and ATS of INR 0.12 Mn on outstanding basis. Tenor: Up to 1 Year

Product portfolio

Construction-linked loans to small and mid-sized real estate developers Ticket size: INR 20- 600 Mn, with average ticket size outstanding of INR 70.1 Mn Tenor: Less than 7 Years Security: Exclusive lending with escrow mechanism, minimum 1.5x of loan outstanding.

Product portfolio

Financing to other NBFCs engaged in - MSME Lending & Microfinance Fintech based NBFCs - Ticket size: INR 30- 1,000 Mn at sanction and ATS Rs50mn on outstanding basis. Tenor: 1-3 Years