Capri Global Capital Limited

₹ 270

tely in-house data driven collections process MSME Loan Insurance Distribution Micro LAP AUM ₹ 270 bn Car Loan Distribution Housing Loan Gold Loan Retail Construction Finance 3 Capri Global C

₹270,401

h-Enabled NBFC Scale of Operations Distribution Liability Profile Asset Quality Profitability ₹270,401 mn AUM 40.3% YoY ₹89,520 mn Disbursement (Q2FY26) 63.8% YoY 1,224 Number of Branches 12,197 Num

40.3%

Scale of Operations Distribution Liability Profile Asset Quality Profitability ₹270,401 mn AUM 40.3% YoY ₹89,520 mn Disbursement (Q2FY26) 63.8% YoY 1,224 Number of Branches 12,197 Number of Empl

₹89,520

erations Distribution Liability Profile Asset Quality Profitability ₹270,401 mn AUM 40.3% YoY ₹89,520 mn Disbursement (Q2FY26) 63.8% YoY 1,224 Number of Branches 12,197 Number of Employees 27 Lend

63.8%

Profile Asset Quality Profitability ₹270,401 mn AUM 40.3% YoY ₹89,520 mn Disbursement (Q2FY26) 63.8% YoY 1,224 Number of Branches 12,197 Number of Employees 27 Lender Relationships ₹167,860 mn

₹167,860

FY26) 63.8% YoY 1,224 Number of Branches 12,197 Number of Employees 27 Lender Relationships ₹167,860 mn Borrowings 1.28% / 0.74% GNPA / NNPA 6.9% / 9.5% Loan spreads / NIM 0.5%# Provisions / Avg. A

1.28%

Number of Branches 12,197 Number of Employees 27 Lender Relationships ₹167,860 mn Borrowings 1.28% / 0.74% GNPA / NNPA 6.9% / 9.5% Loan spreads / NIM 0.5%# Provisions / Avg. Assets 29.8% Non-int

0.74%

f Branches 12,197 Number of Employees 27 Lender Relationships ₹167,860 mn Borrowings 1.28% / 0.74% GNPA / NNPA 6.9% / 9.5% Loan spreads / NIM 0.5%# Provisions / Avg. Assets 29.8% Non-interest in

6.9%

Number of Employees 27 Lender Relationships ₹167,860 mn Borrowings 1.28% / 0.74% GNPA / NNPA 6.9% / 9.5% Loan spreads / NIM 0.5%# Provisions / Avg. Assets 29.8% Non-interest income as % of tota

9.5%

of Employees 27 Lender Relationships ₹167,860 mn Borrowings 1.28% / 0.74% GNPA / NNPA 6.9% / 9.5% Loan spreads / NIM 0.5%# Provisions / Avg. Assets 29.8% Non-interest income as % of total incom

0.5%

Relationships ₹167,860 mn Borrowings 1.28% / 0.74% GNPA / NNPA 6.9% / 9.5% Loan spreads / NIM 0.5%# Provisions / Avg. Assets 29.8% Non-interest income as % of total income 20 States & UTs Geogra

29.8%

owings 1.28% / 0.74% GNPA / NNPA 6.9% / 9.5% Loan spreads / NIM 0.5%# Provisions / Avg. Assets 29.8% Non-interest income as % of total income 20 States & UTs Geographical Presence 590,900 No. of c

“70m MSMEs have access to formal credit CAGR: ~14% - 16% 109 - 114 CAGR: ~16% 73 Credit Gap Rs.”

“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.”

“16.0 trillion in FY27P (CAGR of 16-18%) NBFC Market share: 37% Affordable Housing Loans (ATS <2.0 Mn): Rs.”

“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.”

“of customers (#) Geographical Distribution 104,065 80,422 454,702 496,592 34,910 11,257 250,648 89,980 FY23 FY24 FY25 Q2FY26 FY23 FY24 FY25 Q2FY26 KEY STATISTICS 4% 1% 8% Rajasthan 22% Uttar Pradesh 7% 14% 13% Gujarat Punjab & Haryana Madhya Pradesh 18% Delhi Maharashtra Uttarakhand 14% Goa 496K+ No.”

“of customers (#) Geographical Distribution 43,580 33,065 50,174 52,789 56,019 40,127 45,505 27,162 31,814 20,773 FY22 FY23 FY24 FY25 Q2FY26 FY22 FY23 FY24 FY25 Q2FY26 KEY STATISTICS 4% 2% 2% 3% 5% 22% Rajasthan Madhya Pradesh 38% Gujarat Delhi Maharashtra Andhra Pradesh Uttar Pradesh Telangana 25% 45.5K+ No.”

“of customers (#) Geographical Distribution 59,723 52,019 42,072 36,939 32,024 24,335 17,739 26,655 17,474 6% 1% 1% Madhya Pradesh 40,188 10% 27% Rajasthan 12% Delhi Gujarat Maharashtra Uttar Pradesh Uttarakhand FY22 FY23 FY24 FY25 Q2FY26 FY22 FY23 FY24 FY25 Q2FY26 KEY STATISTICS 20% 22% Others 40K+ No.”

“₹167,860 mn Maturity Profile > 5 years 5.8% Upto 1 month 1.7% 3-5 years 24.6% 1 month to 1 year 26.3% FY22 FY23 FY24 FY25 Q2FY26 FY22 FY23 FY24 FY25 Q2FY26 CGCL (Standalone) CGHFL Bank Borrowings 78.5% 1-3 years 41.6% 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.”

“AUM FY22 FY23 FY24 FY25 1HFY26 Co-Lending Income As a % of non-interest income 30 11 Strong Corporate Governance Distinguished and Qualified Board Comprised Majorly of Independent Directors Lingam Venkata Prabhakar Rajesh Sharma Ajit Mohan Sharan Desh Raj Dogra Nupur Mukherjee Shishir Priyadarshi Subramanian Ranganathan Chairman & Independent Director Ex-MD & CEO Canara Bank and ex-ED Punjab National Bank; Rich experience in banking and finance, AMCs, insurance companies; M.Sc.”

“Total Assets Cost/Income Cost (excl CLO) / AAuM *Excluding Car Loan Origination (CLO) Commission Expense 60 FY24 FY25 1HFY26 FY22 FY23 FY24 FY25 1HFY26 Financial Highlights Improving Return Metrics Operating Profit (₹ mn) 3,767 5.8% 3,322 3.5% 4,556 3.4% 7,341 4.1% 6,567 5.8% Credit Costs* (₹ mn) 1,057 1.6% 647 0.7% 913 0.7% 1,008 0.6% 1,126 1.0% FY22 FY23 FY24 FY25 1HFY26 FY22 FY23 FY24 FY25 1HFY26 Operating Profit as a % of Avg.”

Overall Credit Demand

1

Total

1

Lives Positively Impacted

1

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

₹167,860 mn Maturity Profile > 5 years 5.8% Upto 1 month 1.7% 3-5 years 24.6% 1 month to 1 year 26.3% FY22 FY23 FY24 FY25 Q2FY26 FY22 FY23 FY24 FY25 Q2FY26 CGCL (Standalone) CGHFL Bank Borrowings 78.5% 1-3 years 41.6% 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 ₹4 bn through public NCD in Q2FY26 Relationship with 27 Lenders across Public & Private Sector Banks and Financial Institutions Note: Market Borrowings include NCD and CPs 29 10 … Through 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 no

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. 73 Shareholding ₹ 178bn US$ 2.0bn2 Market capitalisation1 ₹ 66.7bn ₹ 961.6mn Cons. Net worth3 (Q2FY26) Paid-up Equity ₹ 1 Face Value 14.93% 1. Market capitalization NSE on 30th Sep‘25. NOTES 25.12% Shareholding as at the end of Q2FY26 Promoter Group 2. 1 US$ = ₹ 88.79 3. Not adjusted for DTAs. Institutional Shareholders 4. AMFI classifies CGCL as a small cap company based on Other Public Shareholders 59.95% six monthly average market capitalization (June’25 rank 419). 5. CGCL is part of NIFTY Smallcap 250 index. 74 6 Annexure Awards and Recognition "Best Brands – 2024" awa