Capri Global Capital Limited
10,929words
4turns
0analyst exchanges
0executives
Key numbers — 40 extracted
51%
3.7x
rs
38,675
14.4x
9.7x
3.6x
2.3x
3.3x
99.9%
1.67%
7.2%
8.9%
Guidance — 16 items
Sub
opening
“During the aforesaid meet(s)/call (s), no unpublished price sensitive information will be shared.”
Overall Credit Demand
opening
“70m MSMEs have access to formal credit CAGR: ~14% - 16% 109 - 114 CAGR: ~16% 73 Credit Gap Rs.”
Overall Credit Demand
opening
“0.5-1m per annum income bracket ➢ Specialized Underwriting – Assessment of informal income & SORP/SOCP NBFC credit to grow at 15-17% between FY24 and FY27 Distribution of NBFC Credit across asset classes (in Rs.”
Overall Credit Demand
opening
“16.0 trillion in FY27P (CAGR of 16-18%) NBFC Market share: 37% Affordable Housing Loans (ATS <2.0 Mn): Rs.”
Overall Credit Demand
opening
“9.6 trillion in FY27 comprising 23% market share of overall Housing Loan segment Industry Micro LAP Loan (<Rs 0.5mn) NBFC Share: 44% (Rs.”
Overall Credit Demand
opening
“of customers ₹1.48 mn Portfolio ATS 51.7% Portfolio LTV 16.5% Portfolio Yield 10 States/UTs Present *All data points as of 31-Mar-25 or for FY25; MSME includes Micro Lap and Solar Loans 12 4 Affordable Housing Loans | Retail Focused with Granular and Secured Loan Book Offering Affordable Housing Loans with advanced technology WHO ARE OUR CUSTOMERS?”
Total
opening
“₹159,790 mn ALM No Maturity risk (Cumulative net inflow for all buckets) FY22 FY23 FY24 FY25 Q1FY26 FY22 FY23 FY24 FY25 Q1FY26 CGCL (Standalone) CGHFL Bank Borrowings 78.6% Access to New Credit Lines Adequate Liquidity Potential Rating Upgrades Strengthened Capital Adequacy through infusion of ₹20bn equity capital in Q1FY26 via QIP Board resolution for raising ₹10bn via NCDs.”
Total
opening
“*Note: The consolidated outstanding borrowings above will be different from the borrowings appearing in Balance Sheet (Rs159,790 mn, see Slide 28), due to accounting treatment for processing fees and other IND AS adjustments.”
Total
opening
“Net Advances) Spreads (YoA – CoB) (%) 7.1% 6.2% 6.7% 6.8% FY22 FY23 FY24 FY25 FY22 FY23 Note: Calculated as (Interest Expense on Borrowings) / (Avg.”
Total
opening
“Interest Earning Assets FY22 FY24 9.5% FY25 8.5% FY25 Note: 1.”
Advertisement
Risks & concerns — 3 flagged
₹159,790 mn ALM No Maturity risk (Cumulative net inflow for all buckets) FY22 FY23 FY24 FY25 Q1FY26 FY22 FY23 FY24 FY25 Q1FY26 CGCL (Standalone) CGHFL Bank Borrowings 78.6% Access to New Credit Lines Adequate Liquidity Potential Rating Upgrades Strengthened Capital Adequacy through infusion of ₹20bn equity capital in Q1FY26 via QIP Board resolution for raising ₹10bn via NCDs.
— Total
Services, Deloitte; CA Capri vintage: 2M Kishore Lodha Chief Financial Officer Ex-UGRO Finance, Hinduja Finance, SREI Infra Finance; CA Capri vintage: 1M Yashesh Bhatt Company Secretary & Compliance Ex-L&T Fin., TATA Housing, M&M, CS, LLB, MFM-JBIMS Capri vintage: 3Y 8M Vinay Surana Head — Treasury Ex-Axis Bank, CA Capri vintage: 7Y 5M Sanjeev Srivastava Chief Risk Officer Ex-IIFL Finance, CA Capri vintage: 1Y 11M Hardik Doshi Head – Corp.
— Total
Underwriting Gold Loans Through Technology End-to-end Digital Process A proprietary LOS (Swarnim) that digitizes and streamlines loan processing, customer experience and risk management ➢ ➢ ➢ ➢ ➢ 100% digital journey enabling faster loan approvals OTP-Based E-Sign to simplify documentation and reduce onboarding time No cash disbursement (for amounts >₹20k) Disbursal TAT ~30 minutes for improved customer satisfaction Maker checker approach to loan approval 46 5.
— Total
Speaking time
1
1
1
1
Advertisement
Opening remarks
Sub
Intimation Regarding submission of Corporate Presentation under the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Dear Sir / Madam, Pursuant to Regulation 30 and other applicable provisions of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 and further to our intimation regarding the schedule of Analyst/Institutional Investor Meetings to be held on August 14, 2025, in Mumbai, we are enclosing herewith the presentation titled “Corporate Presentation” to be shared during the said meetings. During the aforesaid meet(s)/call (s), no unpublished price sensitive information will be shared. The aforementioned information is also available on the Company’s website at www.capriloans.in The said intimations was received by the Company on August 13, 2025 at 02.06 p.m. (IST). We request you to take the above on record and the same be treated as compliance under the applicable regulation(s) under the SEBI (Listing Obligations and Disclosure Re
Overall Credit Demand
Rs. 138 trillion <15% of approx. 70m MSMEs have access to formal credit CAGR: ~14% - 16% 109 - 114 CAGR: ~16% 73 Credit Gap Rs. 103 trillion 36 FY19 FY24 Systemic Retail Credit FY27P Addressable Credit Demand 67.5 32.5 35.0 Potentially addressable credit gap Formal Credit Gold Loan - large unfinanced household stock of gold Home Loan – Large unmet demand Household Gold (tonnes) Pledged (Rs trillion) Unpledged (Rs trillion) Shortage of 100Mn units by 2022 of Rs. 149 trillion value and Rs. 57 trillion financing opportunity ~25,000 12% Gold value (Rs trillion) 148 - 152 Based on gold value @~Rs 6,000/gm & ~70% LTV Formally Financed (Rs trillion) 11 - 13 88% Unfinanced (Rs trillion) 92 - 94 EWS (ATS < 0.75Mn) LIG (ATS 1.5m – 5Mn) MIG & Above (ATS > 5Mn) Shortage of Housing Units (Mn) Value of Units (Rs. trillion) Aggregate Loan Demand (Rs. trillion)* 45.0 34.0 5.0 50.0 75.0 30.0 5.0 40.0 22.0 Source: RBI data, CRISIL Reports Note: 1) Retail Credit includes small ticket loans for asset clas
Total
₹159,790 mn ALM No Maturity risk (Cumulative net inflow for all buckets) FY22 FY23 FY24 FY25 Q1FY26 FY22 FY23 FY24 FY25 Q1FY26 CGCL (Standalone) CGHFL Bank Borrowings 78.6% Access to New Credit Lines Adequate Liquidity Potential Rating Upgrades Strengthened Capital Adequacy through infusion of ₹20bn equity capital in Q1FY26 via QIP Board resolution for raising ₹10bn via NCDs. Raised ₹1,500 mn market borrowings in Q1FY26 Relationship with 24 Lenders across Public & Private Sector Banks and Financial Institutions Note: Market Borrowings include NCD and CPs 23 9 … Leveraging Co-lending Additional Funding Source & High RoE Accretion 1 CGCL retains 20-30% while co-lending partners (CLPs) retain the balance 2 CGCL earns spread and loan servicing fee on the co-lending loans 3 Additional source of funds while conserving capital and boost RoE 4 Diversification of borrowings Co-Lending AUM (₹ mn) (% of overall) Co-lending income^ (₹ mn) (% of non-interest income) 11.7% 5.3% 18,306 5,469 5,004 FY
Lives Positively Impacted
1,024,287 Capri’s CSR strategy stands at the intersection of purpose and performance, delivering social value through impactful, well- governed investments. Our approach is structured yet agile. It is built on identifying real needs, aligning stakeholders, and designing scalable interventions under robust monitoring and evaluation frameworks. This ensures that each initiative creates measurable and replicable change. 80 Shareholding ₹ 166bn US$ 1.9bn2 Market capitalisation1 ₹ 64.4bn ₹ 961.6mn Cons. Net worth3 (Q1FY26) Paid-up Equity ₹ 1 Face Value 14.93% 1. Market capitalization NSE on 30th June‘25. NOTES 25.12% Shareholding as at the end of Q1FY26 Promoter Group 2. 1 US$ = ₹ 85.70. 3. Not adjusted for DTAs; ₹ 63.4bn after adjusting for Institutional Shareholders DTAs. Other Public Shareholders 59.95% 4. AMFI classifies CGCL as a small cap company based on six monthly average market capitalization (June’25 rank 419). 5. CGCL is part of NIFTY Smallcap 250 index. 81 7 Annexure Awards and
Advertisement