CGCL

May23,2023 TheSecretary TheSecretary BSELimited NationalStockExchangeofIndiaLimited PheerozeJeejeebhoyTowers ExchangePlaza,5thFloor DalalStreet,Fort PlotNo-'C'Block,G Block Mumbai-400001 Bandra-KurlaComplex,Bandra(East) ScripCode:531595 Mumbai–400051 ScripCode:CGCL Sub:InvestorPresentationQ4FY23 DearSir/Madam, PursuanttoRegulation30ofSEBI(ListingObligations&DisclosureRequirements)Regulations,2015and furthertoourletterdatedMay15,2023,intimatingEarningConferenceCallscheduledonMay23,2023, weareattachingherewithpresentationtitled“Q4FY23EarningsPresentation”. Youarerequestedtotakethesameonrecordfordisseminationtothestakeholders. Thankingyou, Yoursfaithfully, forCapriGlobalCapitalLimited YasheshBhatt CompanySecretary&ComplianceOfficer MembershipNo:A20491 Encl.:AsAbove Responsible. Resilient. Ready. Q4FY23 Earnings Presentation 22nd May 2023 Follow us: CA P R I G LOB A L 1 Disclaimer Thispresentationandtheaccompanyingslides(the“Presentation”),whichhavebeenpreparedbyCapriGlobalCapitalLimited(the“Company”),havebeenpreparedsolelyfor informationpurposesonlyanddoesnotconstituteanyofferorinvitation,directlyorindirectly,inanymanner,orinducementtosellorissue,oranysolicitationofanyofferto purchase or subscribe for any securities of the Company in any jurisdiction and no part of it shall form the basis of or be relied upon in connection with any contract or commitmentwhatsoever.NoofferingofsecuritiesoftheCompanywillbemadeexceptbymeansofastatutoryofferingdocumentcontainingdetailedinformationaboutthe Company. ThisPresentationisnotaprospectus,disclosuredocument,astatementinlieuofaprospectus,anofferingcircular,anadvertisementoranofferdocumentundertheCompanies Act, 2013, and the rules made thereunder, as amended, the Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2018, as amended,oranyotherapplicablelawinIndia. ThisPresentationshouldnotbeconsideredasarecommendationthatanyinvestorshouldsubscribefororpurchaseanysecuritiesoftheCompanyoritssubsidiary(collectively, the“Group”)andshouldnotbeusedasabasisforanyinvestmentdecision. 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All forward-looking statements are based on judgments derived from the information availabletotheCompanyatthistime.Suchforward-lookingstatementsaresubjecttorisks,uncertaintiesandassumptionsthatcouldcauseactualresultstodiffermateriallyfrom thosecontemplatedbytherelevantforward-lookingstatement.Anyopinion,estimateorprojectionhereinconstitutesajudgmentasofthedateofthisPresentation,andtherecan benoassurancethatfutureresultsoreventswillbeconsistentwithanysuchopinion,estimateorprojection.TheCompanyassumesnoobligationtoupdateanyforward-looking informationcontainedinthisPresentation.Anyforward-lookingstatementsandprojectionsmadebythirdpartiesincludedinthisPresentationarenotadoptedbytheCompany andtheCompanyisnotresponsibleforsuchthird-partystatementsandprojections.Giventheseuncertaintiesandotherfactors,viewersofthisPresentationarecautionednotto placeunduerelianceontheseforward-lookingstatements.AllinformationcontainedinthisPresentationhasbeenpreparedsolelybytheCompanybasedoninformationand datawhichtheCompanyconsidersreliable.ThisPresentationmaynotbeallinclusiveandmaynotcontainalloftheinformationthatyoumayconsidermaterial. ThedistributionofthisdocumentincertainjurisdictionsmayberestrictedbylawandpersonsintowhosepossessionthisPresentationcomesshouldinformthemselvesabout, andobserve,anysuchrestrictions. CA P R I G LOB A L 2 Business Performance CA P R I G LOB A L 3 Executive Summary : Robust All-Round Performance ❑ Strong rebound in profitability; Q4FY23 Cons. Net Profit at Rs649mn (55% YoY, 73% QoQ). ❑ FY23 Cons. Net Profit flat at Rs2,047mn despite absorbing negative charge of Rs1,614mn on Gold Loan business. ❑ Business sustained strong momentum, Cons. disbursals touched Rs28,110mn (87% YoY, 55% QoQ) led by retail segments. Cons. AUM crossed Rs103,204mn (56% YoY, 19% QoQ). ❑ Gold Loan disbursals constituted 34% of consolidated disbursals during Q4FY23. Exclusive Gold Loan branches increased to 562 in Q4FY23 from 449 in Q3FY23. ❑ Car loan originations touched Rs20,324mn (2.7x YoY, 20% QoQ), net fee contribution from the business at Rs379mn / Rs1,179mn in Q4FY23 / FY23 respectively. ❑ Successfully concluded Rs14.4bn Rights Issue in Mar’23; CGCL CAR stands improved to 39.9% (24.2% in Q3FY23); shall support medium term growth aspirations. ❑ Gross Stage 3 ratio declined to 1.59% (-81bps YoY, -73bps QoQ); standard restructured assets declined to 93bps of AUM (-224bps YoY, -83bps QoQ). ❑ Branch count increased to 736 (6.3x YoY, 1.2x QoQ), group staff count at 9,076 (up 2.8x YoY, 1.1x QoQ). CA P R I G LOB A L 4 Business Update : AUM Crosses Rs100bn, Up 56% YoY AUM Segmental Break Up (INR Mn)* Composition of AUM (%)* o MSME-DA and HF-DA relates to off-balance sheet AUM comprising Direct Assignment (co-lending portfolio) in MSME and HF respectively. * As at the end of period indicated. CA P R I G LOB A L 5 Disbursals : Retail Dominance Continues Segmental Disbursals (INR Mn) Composition of Segmental Disbursals (%) Note:MSME disbursals between Q1FY23-Q3FY23 have been re-stated to include co-lending disbursals. CA P R I G LOB A L 6 MSME Business Update Average Ticket Size (INR Mn) Live Accounts* Loan to Value (%) (Incremental Disbursals) Geographical Distribution (Value-Wise)^ * As at the end of period indicated ^ As at December 31, 2022 CA P R I G LOB A L 7 Gold Loan Business Update Rapid Rollout In 8 States & UTs Geographical Distribution (Value-Wise)* ❑ Gold Loan business continued to scale-up rapidly after the launchinAug’22through108branchesacross5statesand UTs. ❑ The network expanded to 562 exclusive branches in Q4FY23from182inQ2FY23and449inQ3FY23. ❑ State-of-the-art and spacious branches with an average area of 600-800 square feet. All branches secured by AI- driven security systems, gold jewellery secured in vaults withSRDdoors. ❑ Disbursals increased to Rs9,582mn in Q4FY23 from Rs7,741mn in Q3FY23 and Rs1,489mn in Q2FY23 and achieved aclosingAUMofRs11,259mninQ4FY23. ❑ Average portfolioyieldof18.9%,LTVatdisbursal67.3%. ❑ Assessed value of gold in custody Rs15,978mn (based on average spotratefor22Kgold). * As at March 31, 2023 CA P R I G LOB A L 8 Construction Finance Business Update Average Ticket Size (INR Mn) Live Accounts* Geographical Distribution (Value-Wise)* * As at March 31, 2023 CA P R I G LOB A L 9 Housing Finance Business Update Average Ticket Size (INR Mn) (Incremental Disbursals) Live Accounts* Loan to Value (%) (Incremental Disbursals) Geographical Distribution (Value-Wise)* Salaried 42% Self-employed 58% * As at March 31, 2023 CA P R I G LOB A L 10 Car Loan Distribution: Leading Car Loan Originator In India Partner Banks Pan-India coverage through presence in 450 locationsin 28 States & UTs 9 Exclusive Branches At Amritsar, Jalandhar, Chandigarh, Lucknow, Patna, Kolkata, Hyderabad, Bengaluru, and Surat Total Locations (Branches + Feet-on-Street) Q4FY22 Q1FY23 Q2FY23 Q3FY23 Q4FY23 213 279 322 322 450 CA P R I G LOB A L 11 Car Loan Origination – Strong Growth Performance Consistently Rising Loan Originations (INR Mn) Loan Originations Full Year Basis (INR Mn) Loan Originations By Volume (Nos.) Average Ticket Size (INR Mn) * * ATS = Originations by Value / Originations by Volume During Quarter CA P R I G LOB A L 12 Earnings Performance CA P R I G LOB A L 13 Performance Matrix : Core Earnings Strong NII (INR Mn) Operating Profit (INR Mn) Credit Costs (INR Mn) PAT (INR Mn) CA P R I G LOB A L 14 Non-Interest Income : Important Contributor to Core Income Non-Interest Income (INR Mn) Non-Interest Income / Net Income (%) o CGCL’s non-interest income has become an important contributor to the Company’s net income. The share of non-interest income in net income was 36.3%. o Fees from the car loan origination business and co-lending income are two main drivers of this income. Both these businesses were launched in the last two years and have scaled up fast. o CGCLearnedRs379mn / Rs1,179mn innetfeesfromthecarloanoriginationbusinessinQ4FY23 / FY23respectively. The corresponding income in Q4FY22 / FY22 was Rs123mn / Rs276mnrespectively. o CGCLbookedRs557mnthroughco-lendingbusinessin FY23 compared to Rs170mn in FY22. CA P R I G LOB A L 15 Loan Yields : GL Yields Moving Up MSME (%) Housing Finance Gold Loans (%) Construction Finance (%) CA P R I G LOB A L 16 Key Ratios : Spreads Improve Yield on Advances (Wtd. Avg.) (%) Cost of Funds (Wtd. Avg.) (%) Spreads (YoA –CoF) (%) Net Interest Margin (%) CA P R I G LOB A L 17 Q 8 4 .2 F % Y 2 2 Q 8 1 .2 F % Y 2 3 Q 8 2 .2 F % Y 2 3 Q 8 3 .4 F % Y 2 3 Q 8 4 .5 F % Y 2 3 Operating Expenses : Opex Ratios Flat Sequentially Operating Expenses (INR Mn) Operating Expenses Composition (%) Cost-Income (%) Cost / AAUM (%) (annualized) Adjusted for the Gold Cost/AAUM Loan calculated vertical considering opex, the new car C/I ratio was loan ~48% in origination FY23 volume for the quarter CA P R I G LOB A L 18 Key Ratios : Improvement In Return Ratios Annualized Return on Equity (%)^ Annualized Return on Assets (%) * Q4FY23 RoE computed after applying suitable weightage to fresh equity raised EPS (Diluted) (INR) (Not Annualized) Book Value Per Share (INR)* * Deferred tax assets deducted from Networth before computing BVPS. CA P R I G LOB A L 19 Liabilities & Liquidity Position Update CA P R I G LOB A L 20 Liability Mix : Well Funded Balance Sheet* Diversified Funding Profile (INR Mn) Consolidated Borrowings Break-up (INR Mn) * In INR Millions as at the end of period indicated. CA P R I G LOB A L 21 Liquidity Position : Comfortable Liquidity Position* INR Mn except stated o CGCL has active borrowing relationship with 21 Financial Institutions across PSU, Private Sector Banks, Foreign Banks, Mutual funds, Life Insurance companies and Public Sector Financial Institutions. * As at March 31, 2023 CA P R I G LOB A L 22 L L U R O T L i m i m n e u o i m i t s S a n c i t s A v a i - D r a w n p a i d t s t a n d i n t a l n o . o i t s S a n t le g f c i o d r t i n e o e l a n d t e i d o n i n P s h F a i p Y r 2 t m 3 i c a u i l n a t r a s i n e d ( S t a 3 C G C n d a 7 3 ,7 7 0 ,6 3 , 1 0 1 6 ,6 5 4 ,0 2 1 0 , 6 L l o n 5 0 4 4 7 3 4 1 0 0 0 e ) C 2 2 7 2 8 G H F L 9 ,5 0 0 9 ,0 0 0 5 0 0 , 6 6 4 1 ,3 3 6 1 4 , 6 0 0 C o n 1 3 s o l i d 0 3 , 2 9 9 ,6 4 3 , 6 0 2 4 ,2 9 7 5 ,3 4 9 , 2 0 a 5 0 4 7 8 6 0 t e d Liquidity Position : Proactive Liability Management INR Mn except stated CA P R I G LOB A L 23 D P P T B A T u e a y m r e p o t a a l a d d o t a s d u r i n g e n t m a a y m e n t l r e p a y n c e P a y i t i o n a l p l R e p a y Q 4 F Y 2 d e a s p s m a d e m e n t s / m e n t f o r e p a y m m e n t s P a r t i c u 3 e r S c h e d u f o r t h e q u p r e p a y m e r Q 4 F Y 2 3 e n t s b e y o / P r e p a y m l a r s l e ( A ) a r t e r ( B n t s ( A n d Q 4 e n t s ( ) + F A B Y + ) 2 B 3 + ( C C ) ) ( S t a C n 2 2 2 1 3 G d , 3 , 3 0 , 3 0 , 0 , 3 C a 6 6 6 0 6 L l o 2 2 2 0 2 n e ) C G 7 7 7 2 9 H 0 0 0 0 0 8 8 F 0 0 0 3 3 L C o n s 3 3 3 1 4 o l , 0 , 0 0 , 0 0 , 2 , 3 i d 6 6 6 8 4 a 2 2 2 3 5 t e d Asset Quality : Improvement Continues INR Mn except stated ECL Analysis As Per IndAS (INR Mn) Q4FY23 Q3FY23 Q2FY23 Q1FY23 Q4FY22 Stage 1 & 2 - Gross 96,181 80,588 73,508 65,953 63,627 Stage 1 & 2 - ECL Provisions 1,348 1,234 1,248 1,260 1,325 Stage 1 & 2 - Net 94,832 79,354 72,260 64,693 62,303 Stage 1 & 2 - ECL Provisions % 1.40% 1.53% 1.70% 1.91% 2.08% Stage 3 – Gross 1,552 1,911 1,780 1,840 1,562 Stage 3 – ECL Provisions 499 557 510 508 476 Stage 3 – Net (net of aggregate ECL prov.) 1,053 1,354 1,270 1,331 1,086 Stage 3 – ECL Provisions % 32.2% 29.1% 28.6% 27.6% 30.5% Total ECL Provisions 1,786 1,747 1,749 1,769 1,801 Stage 3 % – Gross NPA 1.59% 2.32% 2.36% 2.71% 2.40% Stage 3 % – Net NPA 1.10% 1.68% 1.73% 2.02% 1.71% Provision Coverage Ratio % 115.1% 91.4% 98.3% 96.2% 115.3% Restructured Assets 1,066 1,772 1,943 2,053 2,161 Restructured Assets (%) 1.1% 2.1% 2.6% 3.0% 3.3% Prov. on Restr. Assets 265 390 412 426 475 Prov. on Restr. Assets (%) 24.8% 22.0% 21.2% 20.8% 22.0% o Std. restructured assets: MSME Rs 809mn (2.1% of MSME AUM), Housing Rs 105mn (0.4% of Housing AUM), CF & IRL –NIL. o Standard restructured assets were Rs1,454mn (1.8% of AUM) in Q3FY23. CA P R I G LOB A L 25 Segmental NPAs : Asset Quality In Improvement Trajectory MSME^ Construction Finance & IL^* Housing Finance^* ^NNPAs computed with Stage-3 ECL provisions compared to aggregate ECL provisionspreviously. CA P R I G LOB A L 26 Well Capitalized For Medium Term Growth Consolidated Networth (INR Mn) Capital Adequacy (%) : Capital Boost In Q4FY23 Strong capital Adequate cash + + = Comfortable liquidity adequacy to Undrawn credit lines position on balance position to support future support future of INR 3.7 Bn* sheet growth growth * As at March 31, 2023 CA P R I G LOB A L 28 Network: Presence In Major Growth Centres Branch Addition Has Continued ❑ Network expansion led by addition of Gold Loan branches 117 123 327 610 736 continuedtakingtotalbranchcountto736inQ4FY23compared to610branchesinQ3FY23and117branchesinQ4FY22. ❑ Networkofnon-GoldLoanbusinessesexpandedby14branches to touch 174 branches. The businesses have a presence in 14 StatesandUTs. ❑ Urban Retail business (MSME and Housing) operated through 174branchesin12StatesandUTs. ❑ Gold Loan network expanded to 562 branches across 9 states andUTsbyendQ4FY23. Headcount Addition To Support Branch Expansion ❑ Construction Finance had 3 dedicated branches – Bengaluru, 3,202 4,134 6,625 7,983 9,076 Hyderabad,andAhmedabad(new). ❑ Car Loan distribution had 9 dedicated branches including Amritsar, Chandigarh, Lucknow, Patna, Kolkata, Hyderabad, Bengaluru, and Surat. Duringthe quarter, a branch wasopened atJalandhar. ❑ In addition, the Company has a dedicated tech centre in Gurugram(notcountedasabranch). CA P R I G LOB A L 30 Network: Presence In Major Growth Centres Urban Retail, CF, and Car Loan Gold Loan Branches Distribution 562 Branches in 8 States & UTs 174 Branches in 15 States & UTs 1 3 90 3 1 1 51 3 59 19 135 22 1 24 35 1 96 100 2 5 13 67 2 2 CA P R I G LOB A L 31 CGCL Cons. Inc. Statement : Quarterly Comparison INR Mn except stated Particulars Q4FY23 Q4FY22 Y-o-Y (%) Q3FY23 Q-o-Q (%) Interest earned 3,521 2,348 50.0% 3,004 17.2% Interest expended 1,637 916 78.8% 1,394 17.4% Net interest income 1,884 1,433 31.5% 1,610 17.0% Non-interest income 929 544 70.6% 772 20.3% Core operating income 927 536 772 Other income 2 8 0 Total income 2,813 1,977 42.3% 2,382 18.1% Operating expenses 1,917 851 125.2% 1,655 15.8% Employee cost 1,322 570 132.0% 1,139 16.1% Other operating expenses 595 281 111.4% 516 15.3% Operating profit 896 1,126 -20.4% 727 23.2% Total provisions 112 571 -80.4% 245 -54.3% ECL provisions 56 341 57 Write-offs 55 230 188 Profit before tax 784 555 41.3% 482 62.6% Tax 135 137 108 Implied tax rate 17.3% 24.7% 22.4% Profit after tax 649 418 55.4% 374 73.4% EPS (diluted) (Rs.) (not annualised) 3.47 2.35 2.10 CA P R I G LOB A L 33 CGCL Consolidated Balance Sheet INR Mn except stated Particulars (INR Mn) Q4FY23 Q4FY22 YoY (%) Paid-up equity 412 351 17.4% Reserves and surplus 35,242 18,873 86.7% Networth 35,655 19,225 85.5% Bank borrowings and refinance 70,727 43,753 61.6% NCDs 4,386 4,331 1.3% Other liabilities and provisions 7,179 4,219 70.1% Total shareholders' equity & liabilities 117,946 71,528 64.9% Cash and bank balances 15,103 3,531 327.7% Investments 2,150 3,775 -43.0% Assets under financing activities 94,754 62,708 51.1% Other assets 5,939 1,514 292.4% Total assets 117,946 71,528 64.9% CA P R I G LOB A L 34 CGCL Consolidated Income Statement : Annual Comparison INR Mn except stated Profit and Loss A/c FY19 FY20 FY21 FY22 FY23 Interest income 5,307 6,700 6,735 8,396 11,673 Interest expenses 2,071 2,828 2,887 3,308 5,311 Net interest income 3,236 3,872 3,848 5,087 6,362 New businesses contributing to Other income 586 433 636 1,231 2,719 robust non- interest income Fees 558 399 626 1,103 2,703 Other income 27 34 11 128 17 Net Income CAGR of 24% Net income 3,822 4,305 4,484 6,319 9,081 FY19-FY23 Operating expenses 1,790 1,732 1,520 2,536 5,756 Employee expenses 1,175 1,188 994 1,746 4,061 Other expenses 614 544 526 790 1,696 Operating profit 2,032 2,573 2,964 3,783 3,325 Provisions 165 353 607 1,057 642 ECL provisions 99 299 545 618 71 Write-offs 67 54 62 439 570 Profit before tax 1,867 2,220 2,357 2,726 2,683 Taxes 510 607 588 676 636 Net profit flat in Tax rate (%) 27.3% 27.4% 24.9% 24.8% 23.7% FY23 despite major expansion opex during the Profit after tax 1,357 1,612 1,770 2,050 2,047 year. Earnings per share (Diluted) (Rs.) 7.7 9.2 10.0 11.6 10.9 CA P R I G LOB A L 35 CGCL Consolidated Balance Sheet : Annual Comparison* INR Mn except stated Balance Sheet FY19 FY20 FY21 FY22 FY23 Liabilities Paid-up equity 350 350 351 351 412 Reserves 13,477 15,042 16,822 18,873 35,242 Ample Networth 13,827 15,392 17,173 19,225 35,655 leverage room to continue Borrowings 27,687 28,366 37,689 48,084 75,113 delivering robust growth. Other liabilities 1,256 657 3,269 4,219 7,179 ~2.8x growth in Total liabilities 42,770 44,415 58,131 71,528 117,946 balance sheet in 4 years. Assets Cash and equivalents 1,691 742 2,242 3,531 15,103 Investments 93 3,607 8,075 3,775 2,150 ~2.4x growth in Loans 40,222 39,288 46,863 62,708 94,754 loan book in 4 years. Other assets 764 777 951 1,514 5,939 Total assets 42,770 44,415 58,131 71,528 117,946 * As at the end of periods indicated. CA P R I G LOB A L 36 CGCL Consolidated Earnings : Du Pont Analysis RoA Tree (%) FY19 FY20 FY21 FY22 FY23 Interest income 14.6 15.4 13.1 13.0 12.3 Interest expenses 5.7 6.5 5.6 5.1 5.6 Net interest income 8.9 8.9 7.5 7.8 6.7 Other income 1.6 1.0 1.2 1.9 2.9 Fees 1.5 0.9 1.2 1.7 2.9 Other income 0.1 0.1 0.0 0.2 0.0 Net income 10.5 9.9 8.7 9.7 9.6 Operating expenses 4.9 4.0 3.0 3.9 6.1 Employee expenses 3.2 2.7 1.9 2.7 4.3 Other expenses 1.7 1.2 1.0 1.2 1.8 Operating profit 5.6 5.9 5.8 5.8 3.5 Provisions 0.5 0.8 1.2 1.6 0.7 ECL provisions 0.3 0.7 1.1 1.0 0.1 Write-offs 0.2 0.1 0.1 0.7 0.6 Profit before tax 5.2 5.1 4.6 4.2 2.8 Taxes 1.4 1.4 1.1 1.0 0.7 Profit after tax (RoA) 3.7 3.7 3.5 3.2 2.1 CA P R I G LOB A L 37 Shareholding o Market capitalization1 : ₹ 139.3bn | US$ 1.68bn2 o Cons. Networth3 (Q4FY23) : ₹ 35.7bn Promoter Group 16.3% o Paid-up Equity : ₹ 412.3mn Institutional 13.8% Shareholders o FV : ₹ 2 Others 69.9% o Dividend Per Share (FY23) : ₹ 0.50 1. Average of market capitalization on BSE and NSE on 22ndMay’23. 2. 1 US$ = ₹82.80 3. Not adjusted for DTAs; CGCL raised ₹ 14.4bn in Mar’23 through Rights Issue. Shareholding as of Mar’23 CA P R I G LOB A L 38 Board of Directors & Corporate Governance Independent Board Guiding Executive Management… Rajesh Sharma, MD & CFO Ajit Mohan Sharan, Independent BhagyamRamani, Independent Founder & Promoter with over 2.5 Director Director decades of experience, Chartered IAS -Batch 1979 with over 3 decades Ex-GM and Director of General Accountant of experience in varied aspects of Insurance Corporation; 3+ decades of public administration experience, MA (Economics Hons.) DeshRaj Dogra, Independent Mukesh Kacker, Independent Beni Prasad Rauka, Independent Director Director Director EX-CEO and MD of CARE ratings with EX-IAS Officer, Jt. Secy(GOI) with over Group CFO-Advanced Enzyme over 4 decades of experience in 3 decades of experience, MA (Public Technologies; over 2.5+ decades of financial sector and credit Policy), MA (Political Science) experience, CA &CS administration And Following Superior Governance Standards… Nomination and Stakeholders’ Risk Management Audit Committee Remuneration Relationship CSR Committee Committee Committee Committee Oversees Company’s Formulates and ensures Oversees redressal of Formulates and monitors Formulates and reviews financial reporting and adherence to policies security holders’ and implementation of CSR policy on operational, IT, financial information regarding appointment of investors’ complaints and policy as specified in the and people risk disclosure process BoD and senior effective exercise of Companies Act managerial personnel stakeholders’ rights CA P R I G LOB A L 40 Stable Leadership Team Retail Retail Digital Lending Amar Rajpurohit (Business Head – Prasanna Kumar Singh (Group Hardit Singh Lamba (Head –Digital MSME & Housing –Sales/Product) Collections Head) Ex-Bajaj Finance Partnerships) Ex-IndifiTechnologies, Ex-AU Financiers, Gruh Finance, and PNB Housing with over two ZipLoan, TVS Credit with over 18 DHFL with over 17 years of work decades’ experience; LLB, MBA years of exp; DU, AIMA alumnus experience, B.A., LLB Vintage with CGCL: 2Y 1M Vintage with CGCL: 7M Vintage with CGCL: 5Y 1M Munish Jain (Business Head – Bhupinder Singh (Head –Legal Corporate Functions Home Loans) Ex-Shriram Housing, Litigation) More than a decade GE Money Housing Finance, DHFL experience with various NBFCs in Ashok Agarwal (Director –Legal & with over 20 years of work providing legal advice Compliance) Previously practicing experience; MBA Vintage with CGCL: 3Y 11M CA with over 26 years of experience, Vintage with CGCL: 4Y 3M CA and CS Construction Finance Vintage with CGCL: 15Y 4M Ravish Gupta (Business Head – Gold Loans) Ex-IIFL Finance, GE Bhaskarla Kesav Kumar (Associate Suresh Gattani (Associate Director Money, HDFC Bank with 20 years of Director –Monitoring) Ex AGM and –Treasury Operations) Ex-Aditya work experience, BCA., MDP (IIM-K, Unit Head of Corporate Birla, two decades plus experience IIM-B) Relationships with SBI in accounts, finance, taxation and Vintage with CGCL: 1Y 6M Vintage with CGCL: 8Y 4M corporate planning Vintage with CGCL: 17Y 1M Bhavesh Prajapati (Group Head – Vijay Kumar Gattani (Associate Credit, Risk & Policy) Ex-Aadhar Director –Credit) Ex-ICICI Bank, Vinay Surana (Head –Treasury) Ex- Housing Finance, IDFC Ltd, DHFL Head of Credit & Policy-ICICI HFC Founding Member, Axis Bank debt with over 20 years of experience; with over 15 years of experience, CA syndication with over 15 years of MBA-ICFAI Vintage with CGCL: 7Y 8M. experience, CA Vintage with CGCL: 4Y 11M Vintage with CGCL: 14Y 10M Technology Magesh Iyer (Chief Operating Yashesh Bhatt (Vice President - Officer) Ex -InCred Finance, Rahul Agarwal (Chief Technology Compliance & Secretarial) Reliance Capital, ICICI Bank with over Officer) Ex-Policy Bazaar, Lava Previously associated with L&T Fin. 20years of experience, B. Com, International, IndiaHomes.com with Serv., Tata Hsg, M&M, RIL; 15 years PGDBA over 17 years of exp., M. Tech (IIT-D) of work exp; CS, LLB, MFM-JBIMS Vintage with CGCL: 5M Vintage with CGCL: 1Y 10M Vintage with CGCL: 1Y 7M CAPRIGLOBAL 41 Thank you For further information, please contact: Ravikant Bhat ravikant.bhat@capriglobal.in T: +91 72089 52880 Sheetal Khanduja Rajat Gupta sheetal@GoIndiaAdvisors.com rajat@GoIndiaAdvisors.com M:+91 97693 64166 M: +91 99718 97739 CA P R I G LOB A L 43