CP Capital Limited will hold its 26th Annual General Meeting on Tuesday, September 29, 2026, at 4:00 pm through video conferencing or other audio-visual means.

The company issued a pre-notice of the meeting on August 26, 2026, in compliance with Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The notice was published in English newspaper The Financial Express and Hindi newspaper Jansatta.

Meeting Details

The Annual General Meeting is scheduled to transact business as outlined in the forthcoming Notice of AGM. In accordance with Ministry of Corporate Affairs and SEBI circulars, the Notice and the Annual Report for FY26 will be dispatched only in electronic mode.

Shareholders who have registered their email addresses with the company, Registrar and Share Transfer Agents (RTA), or Depository Participants (DPs) will receive the documents via email. Those without registered emails will receive a letter containing a web link to access the Annual Report.

Participation and Voting

Members can participate in the AGM exclusively through the VC/OAVM facility. Attendance via this mode will count toward reckoning quorum under Section 103 of the Companies Act, 2013. Instructions for joining and casting votes through remote e-voting or e-voting systems at the AGM will be provided in the official Notice.

Shareholder Instructions

Physical shareholders without registered email IDs are advised to contact the RTA, Ankit Consultancy Private Limited, at investors@ankitonline.com or compliance@ankitonline.com . Communications must include full name, postal address, email ID, mobile number, registered folio number, share certificate numbers, and distinctive numbers, along with scanned copies of PAN and Aadhaar cards.

Demat shareholders without registered email addresses should update their details with their respective Depository Participants.

CP Capital posted a significant improvement in profitability and asset quality for the quarter ended June 30, 2026. Standalone profit after tax (PAT) surged 102% quarter-on-quarter (QoQ) to ₹11.5 crore from ₹5.7 crore in the previous period. Revenue from operations expanded 46% QoQ to ₹19.4 crore, while EBITDA rose 65% to ₹18.0 crore.

On a consolidated basis, the company reported a 46% QoQ increase in PAT to ₹13.3 crore. Consolidated revenue grew 18% QoQ to ₹21.9 crore, supported by a 36% rise in consolidated EBITDA to ₹20.5 crore. The earnings per share (EPS) stood at ₹6.31 on a standalone basis and ₹7.32 on a consolidated basis.

Financial Performance

The company’s financing division continued to dominate revenue generation, contributing approximately 87% of segment revenue in Q1FY27, up from 77% in the same quarter last year. Interest income remained the primary revenue driver, logging ₹139.72 crore standalone and ₹144.17 crore consolidated.

Asset Quality Improvement

Gross NPA ratio improved sharply, falling from 18.76% as on March 31, 2026, to 8.9% as on June 30, 2026. The gross loan book contracted slightly to ₹394.2 crore from ₹442.12 crore. Crucially, 99.9% of the gross NPA (₹35.17 crore) is secured by collateral valued at ₹87.7 crore, providing a coverage ratio of approximately 2.5x. Provisions on NPA dropped significantly to ₹6.50 crore from ₹50.30 crore in the prior quarter.

Loan Book Composition

As of June 30, 2026, the standalone gross loan book was diversified across three primary products:

• Loan Against Property (LAP): 48% of the loan book, consisting of secured lending backed by residential or commercial property collateral.
• Unsecured Business Loan: 43% of the loan book, providing working-capital funding for MSME and small-business borrowers.
• Trade Finance: 9% of the loan book, offering trade finance for participants in wholesale market transactions.

Leverage Profile

The company’s conservative capital structure improved further during the quarter. The debt-to-equity ratio (borrowings divided by equity) declined from 0.16x as on March 31, 2026, to 0.14x as on June 30, 2026. This low leverage provides substantial headroom to scale the loan book through incremental borrowing.

What the Numbers Show

The divergence between the sharp rise in PAT and the modest decline in impairment charges warrants attention. While impairment on financial instruments fell to ₹14.19 crore from ₹123.39 crore in the previous quarter, a substantial portion of the profit growth was driven by fair value changes. Net gain on fair value changes swung to a positive ₹33.60 crore in Q1FY27, compared to a loss of ₹12.27 crore in Q4FY26. This indicates that while credit costs stabilized, valuation gains played a material role in the bottom-line expansion.

Strategy and Outlook

Management intends for digital lending to account for a rising share of incremental assets under management (AUM) over the medium term, reducing dependence on branch-led, high-operating-expense origination. The company plans to scale the loan book using available headroom, noting that the standalone debt-to-equity of 0.14x leaves room to gear up. Additionally, partnerships with lending-service-providers are expected to allow AUM to scale without proportionate balance-sheet expansion, preserving the conservative leverage profile.

Corporate Actions

The Board approved a technical write-off of an outstanding loan of ₹439.73 lakh due from Proseed Foundation Trust. The amount had been fully provided for in earlier years, so the write-off has no impact on current profitability. Legal proceedings for recovery remain pending.

In other corporate developments, the Board recommended the reappointment of Mr. Pramod Kumar Maheshwari as Chairman, Managing Director, and Chief Executive Officer for a five-year term effective July 1, 2027, subject to shareholder approval. The company also scheduled its 26th Annual General Meeting for September 29, 2026, with e-voting facilities available from September 25 to September 28, 2026.