Capri Global Capital filed its corporate presentation titled “CGCL – Corporate Presentation May 2026” on May 14, 2026, in compliance with Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The presentation, which will be used during upcoming investor meetings and calls, has also been uploaded to the company’s website. The company confirmed that no unpublished price sensitive information will be shared during these interactions.

The presentation highlights the company’s record performance in Q4 FY26 and the full fiscal year. Net profit after tax (PAT) for Q4 FY26 reached INR283 crores, a 59% increase year-on-year, while full-year PAT stood at INR949 crores, nearly doubling from the previous year. Consolidated Assets Under Management (AUM) grew by 60% year-on-year to INR36,623 crores, driven by strong disbursements of INR18,145 crores in the quarter. Management has guided FY27 PAT at approximately INR1,300 crores and AUM at INR46,000 crores, with a long-term target of INR57,000 crores by FY28.

Financial Performance Highlights

The company reported robust growth across key financial metrics. Net interest income for Q4 FY26 stood at INR596 crores, up 56% year-on-year, while full-year NII reached INR1,998 crores, a 50% increase. Pre-provision operating profit rose 68% year-on-year to INR427 crores for the quarter and 97% to INR1,446 crores for the full year. Non-interest income grew 36% year-on-year to INR247 crores, contributing 29% of net total income, driven by fee income from insurance distribution and co-lending. The cost-to-income ratio improved to 49.4% in Q4 FY26 from 54.8% in the prior year.

AUM Growth and Asset Quality

Consolidated AUM stood at INR36,623 crores in Q4 FY26, reflecting a 60% year-on-year and 20% quarter-on-quarter growth. The gold loan segment led the expansion with AUM of INR16,965 crores, up 111% year-on-year, while MSME and housing finance AUM grew by 23% and 43%, respectively. The customer base exceeded 6.9 lakhs, supported by a branch network of 1,429 locations. Asset quality improved significantly, with the consolidated gross NPA declining to 0.9% in Q4 FY26 from 1.5% in the previous year. The provision coverage ratio for Stage 3 assets remained steady at 41.2%.

Strategic Guidance and Outlook

Management provided detailed guidance for FY27, targeting a PAT of INR1,300 crores and AUM of INR46,000 crores. The company aims to achieve a return on average assets (ROAA) of approximately 4% and return on average equity (ROAE) of not less than 16%. Gold loans are expected to constitute approximately 50% of the total AUM mix. The company plans to add approximately 350 gold loan branches in the current financial year. Management also noted that new RBI co-lending guidelines may cause a temporary volume slowdown, with full business resumption expected from the July to September quarter.

Capri Global Capital Limited, a leading non-banking financial company (NBFC) in India, announced on May 14, 2026, that its Gold Loan business has crossed 1,000 branches across India. The milestone spans 16 states and union territories, strengthening the company's last-mile credit access through a growing nationwide footprint. The expansion enables customers to access quick, secure, and transparent gold-backed financing closer to their homes, reinforcing Capri Loans' role in addressing immediate liquidity requirements.

State-Wise Branch Distribution

Capri Global Capital's Gold Loan network is spread across a wide and balanced geographical reach, with a particularly high concentration in key markets across North and West India, and growing inroads into the South. The following table presents the branch distribution across states and union territories:

MD's Statement on the Milestone

Commenting on the achievement, Rajesh Sharma, Managing Director, Capri Global Capital Ltd., said: "Reaching 1,000 Gold Loan branches marks a defining milestone in our journey to build a truly accessible lending franchise. Building on our strong presence across North and West India, we have now made significant inroads into the South, meaningfully expanding our national footprint. Gold Loans remain a vital source of financial support for households and small businesses, providing quick liquidity in moments of need. As we grow, our commitment stays firm — to expand responsibly while delivering trust, transparency, and convenience to every customer we serve."

Gold Loan Segment Performance

The Gold Loan segment, since its inception in 2022, continues to be a key growth driver for Capri Loans. The segment has recorded an AUM of over Rs. 16,960 Cr, supporting the company's broader vision of financial inclusion and inclusive growth. By expanding its branch-led distribution, the company aims to further bridge the credit gap and strengthen access to financial services across underserved markets.

About Capri Global Capital Limited

Capri Global Capital Limited is a well-diversified, retail-focused NBFC listed on BSE Limited and NSE Limited. The company's key metrics as of March 31st, 2026 are summarised below:

Capri Loans offers a wide range of secured and collateralized loans across four primary lending segments — MSME Loans, Gold Loans, Construction Finance, and Housing Loans (offered through its 100% subsidiary, Capri Global Housing Finance Limited). The company also operates fee-based businesses including distribution of car loan products and holds a composite license for distribution of Life, General, and Health insurance policies.