Capri Global Capital Limited , a prominent non-banking financial company (NBFC), has announced the allotment of 5,18,840 equity shares under its Employee Stock Option Plan (ESOP) 2009 scheme. This move, approved by the company's Management Committee on November 6, 2025, represents a strategic step in employee retention and motivation.

Key Details of the Allotment

• Number of Shares: 5,18,840 equity shares
• Face Value: ₹1.00 per share
• Exercise Price Range: ₹0.50 to ₹62.50 per share
• Scheme: ESOP 2009

Impact on Share Capital

The allotment has resulted in an increase in the company's paid-up share capital:

This represents a marginal increase of 0.54% in the company's paid-up share capital.

Significance of the ESOP Allotment

Employee Stock Option Plans are crucial tools for companies to align employee interests with those of shareholders. For Capri Global Capital, this allotment under the ESOP 2009 scheme serves multiple purposes:

1. Employee Retention: By providing equity ownership, the company aims to retain key talent in a competitive financial services market.
2. Performance Motivation: ESOPs incentivize employees to contribute to the company's long-term growth and profitability.
3. Alignment of Interests: As employees become shareholders, their interests align more closely with those of other investors.

Market Implications

The newly allotted shares will rank pari-passu with the existing equity shares of the company. Capri Global Capital is currently in the process of completing the formalities for listing these additional shares on both the BSE and NSE, where the company is already listed.

Company Overview

Capri Global Capital Limited is known for its focus on MSME lending, housing finance, and construction finance. The company has been expanding its presence in the financial services sector, with a particular emphasis on serving underbanked and underserved segments of the market.

As the company continues to grow, such ESOP allotments demonstrate its commitment to employee welfare and long-term value creation for all stakeholders.

Investors and market observers may view this development as a positive sign of the company's focus on aligning employee incentives with shareholder interests, potentially contributing to sustained growth and performance in the competitive NBFC sector.

Capri Global Capital Limited (CGCL), a retail-focused non-banking financial company (NBFC), has reported robust financial results for the second quarter of fiscal year 2026, showcasing significant growth across key metrics and outlining ambitious expansion plans.

Financial Highlights

For Q2 FY26, CGCL reported:

• A 40% year-on-year increase in Assets Under Management (AUM) to ₹270,401.00 million
• Net Interest Income growth of 57% year-on-year to ₹4,795.00 million
• A 143% surge in Profit After Tax (PAT) to ₹2,360.00 million
• Improvement in Return on Average Equity (RoAE) to 14.40% and Return on Average Assets (RoAA) to 4.00%

The company's performance was driven by strong growth across its key business segments, including MSME loans, gold loans, and affordable housing finance.

Strategic Initiatives and Future Outlook

CGCL has outlined several strategic initiatives to drive scale and deliver sustainable returns:

1. Product Diversification: The company plans to offer customized products addressing underserved markets with high growth potential.

2. Geographic Expansion: CGCL aims to open new branches in existing and newer states, focusing on expanding its retail lending segments.

3. Technology and Analytics: The company is leveraging Generative AI and data analytics to enhance operational efficiency and customer experience.

4. Fee Income Growth: CGCL intends to cross-sell loan products to its growing customer base and increase insurance penetration.

5. Diversified Borrowings: The company plans to diversify its funding mix through various sources, including NCDs and ECBs, to reduce the cost of funds.

Rajesh Sharma, Managing Director of Capri Global Capital, stated, "We are targeting an AUM of ₹500 billion by FY28, growing at a CAGR of 25-30%. Our focus on retail secured lending in underserved segments, coupled with our technology-driven approach, positions us well to achieve this goal."

Asset Quality and Capital Position

The company maintained a healthy asset quality with Gross Non-Performing Assets (GNPA) at 1.28% and Net Non-Performing Assets (NNPA) at 0.74%. The provision coverage ratio stood at 42.80%, reflecting prudent risk management practices.

CGCL's capital position remains strong, with a consolidated networth of ₹66,730.00 million and a capital adequacy ratio of 32.90% for the standalone entity.

Expansion and Network Growth

The company has significantly expanded its branch network to 1,224 locations across 20 states and union territories. This expansion is expected to drive future growth and improve profitability through economies of scale.

Conclusion

Capri Global Capital's strong Q2 FY26 performance and strategic initiatives demonstrate its commitment to sustainable growth in the retail lending space. With a focus on underserved markets, technological innovation, and prudent risk management, the company appears well-positioned to achieve its ambitious targets in the coming years.

As the financial services landscape continues to evolve, CGCL's emphasis on digital transformation and customer-centric products may provide it with a competitive edge in capturing market share in high-growth segments such as MSME lending, gold loans, and affordable housing finance.