Capri Global Capital has released the audio recording of its earnings conference call for the first quarter ended June 30, 2026. The call took place on Wednesday, July 29, 2026, and concluded at 5:00 P.M. (IST). This disclosure ensures transparency and allows investors and analysts to review management’s commentary on the company’s performance during Q1FY27.

The intimation was submitted to both the Bombay Stock Exchange and the National Stock Exchange of India Limited in compliance with Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Additionally, the filing adheres to Regulation 46(2) and Schedule III, Part A, Para A (15)(b) of the same regulations. The company received this intimation on July 29, 2026, at 7:23 P.M. (IST).

Accessing the Recording

Stakeholders can access the audio recording directly via the company’s website. The file is located under the investor relations section, specifically within the transcript archives for FY2026-2027. This digital availability aligns with standard market practices for disseminating financial information post-earnings announcements.

Yashesh Bhatt, Company Secretary & Compliance Officer of Capri Global Capital Limited, signed off on the disclosure. He holds membership number ACS 20491 with the Institute of Company Secretaries of India. The company’s registered office is located at Peninsula Business Park in Lower Parel, Mumbai.

What the Numbers Show

While the audio recording itself contains the detailed financial metrics and strategic updates, the release of this recording marks the completion of the formal communication cycle for Q1FY27. Investors are advised to listen to the full session for insights into revenue drivers, margin trends, and future guidance provided by the management team during the question-and-answer segment.

Capri Global Capital Limited reported a consolidated profit after tax (PAT) of ₹3,534 crore for Q1FY27, marking a 102% year-on-year increase from ₹1,749 crore in the corresponding quarter of the previous year. The non-deposit taking NBFC crossed a significant milestone as its consolidated assets under management (AuM) reached ₹40,112 crore (₹401,116 million), up 62% YoY from ₹24,755 crore. This robust performance was driven by a 79% surge in net interest income to ₹7,364 crore and a 28% rise in non-interest income to ₹2,169 crore, reflecting strong demand across its key retail lending verticals including gold loans, MSME loans, and affordable housing. The results were approved by the Board of Directors on July 27, 2026, and subjected to limited review by Joint Statutory Auditors.

The company's revenue generation capabilities strengthened significantly during the quarter. Net interest income grew 79% YoY, while non-interest income rose 28% YoY, contributing approximately 23% to the net total income. This diversification was supported by fee income from insurance distribution (₹421 million, up 66% YoY) and car loan distribution businesses (₹321 million, up 37% YoY). Operating expenses increased by 56% YoY to ₹4,212 million, which remained lower than the growth rate of AuM, indicating scale economies. Pre-provision operating profit surged 71% YoY to ₹5,321 million.

Financial Performance Highlights

Asset Quality and Capital Adequacy

Asset quality remained stable with the Gross Stage 3 ratio at 1.1%, compared to 1.7% in Q1FY26. The provision coverage ratio on Stage-3 loans stood at 43.2%, reflecting conservative provisioning policies. Impairment costs for the quarter were ₹622 million. The standalone capital adequacy ratio (CRAR) was recorded at 24.7%. Consolidated total equity increased 18% YoY to ₹75,655 million. Borrowings increased by 73% YoY to ₹276,297 million, maintaining a comfortable leverage ratio of 3.7x.

What the Numbers Show

A notable divergence in the results is the rapid expansion of AuM outpacing the growth in operating expenses. While AuM grew by 62% YoY, operating expenses increased by only 56% YoY. This decoupling indicates significant scale economies and productivity gains from the existing branch network of 1,433 locations. Furthermore, the rise in Return on Average Equity (RoAE) to 19.1% ahead of the company's stated timeline suggests that capital efficiency is improving faster than asset growth, positioning the firm well for its revised guidance of ₹650 billion AuM by FY28.

Managing Director Rajesh Sharma stated that the diversified and fully secured retail portfolio helped protect margins despite macroeconomic volatility. He noted that continued investments in technology and a strong capital position allow the company to target a 30%+ CAGR in AuM growth through FY28, with consistent RoAE of 19%-21% and RoAA of 4.2%-4.7%.