Capri Global Capital Limited , a retail-focused non-banking financial company (NBFC), has reported a robust performance for the second quarter of fiscal year 2026, with significant growth across key financial metrics.

Strong Financial Performance

The company's profit after tax (PAT) surged by 143% year-on-year to ₹236.00 crores in Q2 FY26, showcasing substantial bottom-line growth. This impressive increase in profitability was underpinned by a 40% year-on-year expansion in the company's Assets Under Management (AUM), which reached ₹27,040.00 crores.

Key Financial Highlights

• Net Interest Income: Increased by 57% year-on-year to ₹480.00 crores
• Consolidated AUM: Grew by 40% year-on-year to ₹27,040.00 crores
• Return on Average Equity (RoAE): Improved to 14.4%
• Return on Average Assets (RoAA): Reached 4%

Segment-wise Performance

Capri Global Capital witnessed growth across its various business segments:

The gold loan business achieved a significant milestone by crossing the ₹10,000.00 crore AUM mark, growing 58% year-on-year to ₹10,406.00 crores.

Operational Expansion

The company continued its expansion strategy, adding 86 new branches during the quarter, bringing its total network to 1,224 locations. This expansion is expected to drive further growth and improve market penetration.

Co-lending and Fee Income

Capri Global's co-lending AUM increased by 61% year-on-year to ₹5,677.00 crores, now accounting for 21% of the total AUM. This strategic focus on co-lending partnerships is contributing to capital-efficient growth.

The company also saw a significant rise in non-interest income, which grew by 97% year-on-year, contributing 29.8% of the net total income for the quarter. This growth was primarily driven by increased commission on insurance distribution and co-lending fee income.

Asset Quality and Provisions

The company maintained a healthy asset quality with:

• Gross Stage 3 assets at 1.3%, down 39 basis points sequentially
• Net Stage 3 assets at 0.7%, a reduction of 26 basis points sequentially
• Provision coverage ratio improved to 43%

Capital Adequacy and Liquidity

Capri Global Capital remains well-capitalized with:

• Standalone capital adequacy ratio of 32.9%
• Capri Global Housing Finance Limited's capital adequacy at 26.1%
• A comfortable leverage ratio of 2.5x

The company's liquidity position remains strong with over ₹3,200.00 crores in cash, bank balances, investments, and undrawn credit lines across its entities.

Management Commentary

Rajesh Sharma, Managing Director of Capri Global Capital Limited, commented on the results, stating, "We delivered consistent and all-round performance in the current quarter, achieving our highest ever quarterly profit. With a strong capital base, a scalable branch network, a diversified portfolio, and significant investments in technology, we are well-placed to deliver 25% to 30% annualized AUM growth and sustainable return on average equity of 16% to 18% plus return on average assets of 4% to 4.5% by FY '28."

Future Outlook

The company has set ambitious targets for the future:

• AUM target of ₹32,000.00 crores by the end of FY26
• Projected AUM of ₹42,000.00 crores by FY27
• Aiming for a profit of around ₹850.00 crores in FY26 and ₹1,200.00 crores in FY27

Capri Global Capital's strong performance in Q2 FY26 reflects its successful strategy in expanding its retail-focused secured lending business, particularly in underserved markets. The company's focus on diversification, technological advancement, and operational efficiency positions it well for continued growth in the coming years.

Capri Global Capital Limited (CGCL), a prominent player in the Indian financial sector, has recently received a commendable Environmental, Social, and Governance (ESG) score of 64 from ESG Risk Assessments and Insights Limited (ESGRisk.ai). This score places CGCL in the 'Strong' category, highlighting the company's commitment to sustainable and responsible business practices.

Key Highlights of the ESG Assessment

ESGRisk.ai's evaluation recognized CGCL's strong performance in several critical areas:

According to ESGRisk.ai's criteria, a 'Strong' rating indicates that CGCL is an ESG leader with a demonstrated ability to effectively manage material ESG risks through a comprehensive and robust risk management framework.

Implications for Investors

This strong ESG rating could have positive implications for investors and stakeholders:

1. Risk Management: The rating suggests that CGCL is well-equipped to handle ESG-related risks, which could translate to better long-term financial stability.
2. Regulatory Compliance: Strong governance practices often indicate better preparedness for evolving regulatory requirements.
3. Stakeholder Confidence: A high ESG score may enhance the company's reputation among investors, customers, and partners.

Upcoming Investor Interaction

In a related development, CGCL has announced an upcoming group meeting with analysts and investors:

This meeting, scheduled from 2:00 PM to 5:00 PM (IST), provides an opportunity for stakeholders to engage with the company's representatives. CGCL has assured that no unpublished price-sensitive information will be shared during this interaction.

As the financial sector continues to evolve, Capri Global Capital's strong ESG rating and transparent communication practices position it as a company committed to sustainable growth and stakeholder value creation.