Capri Global Capital Limited

₹ 366

tely in-house data driven collections process MSME Loan Insurance Distribution Micro LAP AUM ₹ 366 bn Car Loan Distribution Housing Loan Gold Loan Retail Construction Finance 3 Capri Global C

53%

00000 150000 100000 50000 0 Inception 4,260 4 Demonetisation NBFC Crisis Covid 366,233 CAGR 53% 156,540 228,602 18,231 40,347 48,480 66,347 103,205 38 87 90 117 736 935 1,111 1,429

₹ 4.5

k record - Launched, Built and Scaled 4 New Businesses in Last 5 Years Key Capital Raising Event ₹ 4.5 bn QIP Key Technology Developments ₹ 14.4 bn Rights Issue ₹ 20.0 bn QIP Foundation & Institu

₹ 14.4

sinesses in Last 5 Years Key Capital Raising Event ₹ 4.5 bn QIP Key Technology Developments ₹ 14.4 bn Rights Issue ₹ 20.0 bn QIP Foundation & Institutionalization Platform Scale & AI Enablement

₹ 20.0

Key Capital Raising Event ₹ 4.5 bn QIP Key Technology Developments ₹ 14.4 bn Rights Issue ₹ 20.0 bn QIP Foundation & Institutionalization Platform Scale & AI Enablement AI Native & Cognitive Era

₹366,233

h-Enabled NBFC Scale of Operations Distribution Liability Profile Asset Quality Profitability ₹366,233 mn AUM 60% YoY ₹464,344 mn Disbursement (FY26) 83.5% YoY 21 States & UTs Geographical Presence N

60%

Scale of Operations Distribution Liability Profile Asset Quality Profitability ₹366,233 mn AUM 60% YoY ₹464,344 mn Disbursement (FY26) 83.5% YoY 21 States & UTs Geographical Presence Note: All d

₹464,344

Operations Distribution Liability Profile Asset Quality Profitability ₹366,233 mn AUM 60% YoY ₹464,344 mn Disbursement (FY26) 83.5% YoY 21 States & UTs Geographical Presence Note: All data as of Mar’2

83.5%

ity Profile Asset Quality Profitability ₹366,233 mn AUM 60% YoY ₹464,344 mn Disbursement (FY26) 83.5% YoY 21 States & UTs Geographical Presence Note: All data as of Mar’26 / FY26 except specified 1

₹ 241,121

cept specified 1,429 Number of Branches 13,758 Number of Employees 35+ Lender Relationships ₹ 241,121 mn Borrowings 0.88% / 0.50% GNPA / NNPA 6.9% / 8.6% Loan spreads / NIM 0.7%# Provisions / Avg. A

0.88%

mber of Branches 13,758 Number of Employees 35+ Lender Relationships ₹ 241,121 mn Borrowings 0.88% / 0.50% GNPA / NNPA 6.9% / 8.6% Loan spreads / NIM 0.7%# Provisions / Avg. Assets 30.1% Non-int

0.50%

Branches 13,758 Number of Employees 35+ Lender Relationships ₹ 241,121 mn Borrowings 0.88% / 0.50% GNPA / NNPA 6.9% / 8.6% Loan spreads / NIM 0.7%# Provisions / Avg. Assets 30.1% Non-interest in

“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 169,646 80,422 250,648 89,980 592,244 454,702 7% 15% 11,257 34,910 FY23 FY24 FY25 FY26 FY23 FY24 FY25 FY26 KEY STATISTICS 12% 12% 4% 4% 8% 20% Rajasthan Uttar Pradesh Gujarat Punjab & Haryana Madhya Pradesh 18% Delhi Maharashtra Uttarakhand Others 592K+ No.”

“of customers (#) Geographical Distribution 50,174 52,789 64,859 43,580 33,065 54,849 40,127 5% 2% 3% 2% 4% 27,162 31,814 20,773 22% FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25 FY26 KEY STATISTICS Rajasthan Madhya Pradesh 38% Gujarat Delhi Maharashtra Andhra Pradesh Uttar Pradesh Telangana 24% 55K+ No.”

“of customers (#) Geographical Distribution 74,469 52,019 42,072 26,655 17,474 36,939 32,024 24,335 17,739 10% 12% 46,093 2% 2% 2% 6% Madhya Pradesh 23% Rajasthan FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25 FY26 22% KEY STATISTICS 20% 46K+ No.”

“₹318,952 mn FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25 FY26 CGCL (Standalone) CGHFL 8% 2% 8% Banks NHB Others 55% > 5 years 5.9% 3-5 years 21.2% Upto 1 month 4.0% 1 month to 1 year 26.3%”

“CLO/AAUM Cost-Income 59.9% 5.7% 49.4% 4.7% 40.2% 4.4% Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 FY22 FY23 FY24 FY25 FY26 *Annualised 45 Financial Highlights Margin expansion, cost control and risk discipline driving profitable growth Operating Profit (₹ mn) Operating Profit as a % of Avg.”

“Total Assets 3,115 3,453 3,633 4,268 2,540 5.1% 5.6% 5.8% 5.6% 5.7% 5.8% 3,767 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 FY22 *Annualised Credit Costs1 (₹ mn) 3,322 3.5% FY23 4,556 3.4% FY24 7,341 4.1% FY25 Credit Cost As a % of Avg.”

Total

2

Overall Credit Demand

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

₹318,952 mn FY22 FY23 FY24 FY25 FY26 FY22 FY23 FY24 FY25 FY26 CGCL (Standalone) CGHFL 8% 2% 8% Banks NHB Others 55% > 5 years 5.9% 3-5 years 21.2% Upto 1 month 4.0% 1 month to 1 year 26.3%

Total

₹239,818 mn Other Financial Institutions Market Borrowings* Co-lending/DA 1-3 years 42.6% Access to New Credit Lines Adequate Liquidity Potential Rating Upgrades Strengthened Capital Adequacy through infusion of ₹20bn equity capital in Q1FY26 via QIP New sanctions from banks for FY26 stood at ₹109,950 mn on a consolidated basis Relationship with 35 Lenders across Public & Private Sector Banks and Financial Institutions; Added 15 new bank lenders in FY26 *Market Borrowings includes NCB, CP & PTC 28 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 non-interest income) 17.8% 11.7% 40,798 1.7% 1,157 FY22 5.3% 5,469 5,004 FY23 18,306 6,674 3,185 8,446 FY