Capri Global Capital Ltd. has launched its new brand campaign 'Zaroorat Mein Aapke Saath', featuring acclaimed actor Pankaj Tripathi as the brand ambassador. The campaign addresses the relatable insight that when sudden financial needs arise, people often find themselves without adequate support, positioning Capri Loans as a dependable partner during such critical moments.

Campaign Overview and Positioning

The 'Zaroorat Mein Aapke Saath' campaign reflects situations where individuals, despite having strong personal networks, struggle to find timely financial support when needed most. Through this initiative, Capri Loans reaffirms its commitment to ensuring customers do not have to compromise on their aspirations during financial uncertainties.

Strategic Marketing Approach

The brand film brings to life relatable situations through Pankaj Tripathi's grounded and authentic portrayal, lending emotional depth to the narrative. The campaign is designed to resonate across diverse audiences and geographies, making the message universally appealing.

Rolled out across television and digital platforms, the initiative aims to:

• Build long-term brand equity
• Drive strong awareness and recall across core markets
• Position Capri Loans as more than just a lender
• Establish the company as a partner that stands beside customers when it truly matters

Management Commentary

Commenting on the campaign, Mr. Nishant Gehlot, Head – Marketing, Capri Loans, explained the strategic vision: "We believe the 'Zaroorat Mein Aapke Saath' campaign connects deeply with audiences as it portrays relatable, real-life situations where individuals often struggle to find timely financial support during moments of urgent need. The campaign reflects Capri Loans' core belief that access to capital should never stand in the way of aspirations or progress."

He further emphasized the campaign's authentic approach: "Through authentic storytelling and everyday narratives, we aim to position Capri Loans as a trusted partner that stands by customers when it matters most, empowering them to move forward with confidence."

Product Portfolio Highlight

Rooted in real-life experiences, the campaign showcases Capri Loans' comprehensive offerings across key lending segments:

• MSME Loans: Supporting micro, small, and medium enterprises
• Gold Loans: Providing quick liquidity against gold collateral
• Home Loans: Offered through subsidiary Capri Global Housing Finance Limited

The campaign reinforces the brand's focus on accessibility, reliability, and building long-term customer relationships across these diverse financial products.

Company Profile

Capri Global Capital Limited operates as a well-diversified retail-focused Non-Banking Financial Company listed on BSE Limited and NSE Limited. As of December 31, 2025, the company maintains significant market presence with:

Beyond its core lending business, Capri Loans operates fee-based services including car loan product distribution and holds a composite license for distributing Life, General, and Health insurance policies, demonstrating its comprehensive financial services approach.

Capri Global Capital Limited delivered an outstanding financial performance in Q3FY26, achieving its highest ever quarterly profit and demonstrating strong growth momentum across all business segments. The company's results for the quarter and nine months ended December 31, 2025, showcase robust operational execution and resilient business fundamentals.

Record Financial Performance

The company reported exceptional profitability metrics for Q3FY26, with several key achievements highlighting its strong operational performance.

The company's return ratios improved considerably during the quarter, with ROE reaching 15.00% and ROA at 4.00%, reflecting enhanced profitability and efficient capital utilization.

Strong AUM Growth Across Segments

Capri Global Capital's consolidated AUM reached ₹30,406 crores as of December 31, 2025, representing robust growth momentum across all lending verticals.

The co-lending portfolio now accounts for 23.5% of total AUM, up from 21% in Q2FY26, highlighting the company's strategic focus on capital-efficient growth. Disbursements for the quarter rose 87% year-on-year to ₹10,879 crores, supported by expanding distribution network and growing customer base exceeding 6.3 lakhs.

Gold Loan Business Expansion

The Gold Loan segment delivered exceptional performance with strong branch expansion and improved productivity metrics. The company successfully added 68 new branches across South India during the quarter, marking entry into new geographies including Orissa, Andhra Pradesh, Telangana, and Karnataka.

The business maintained conservative loan-to-value ratios while ensuring strong collection practices. Gold Loan AUM increased from ₹10,170 crores in September to ₹12,799 crores by December, representing a sequential growth of 26%.

Operational Excellence and Technology Integration

Capri Global Capital continued its focus on technology-driven operational efficiency, resulting in significant productivity improvements. The company's AI-native operating model delivered substantial operating leverage, with disbursements increasing 87% year-on-year while manpower grew only 19% year-on-year.

Key Technology Achievements:

• SPARK mobility app for digital customer onboarding
• Orion loan origination system for end-to-end workflow management
• Pegasus mobility app for field collection optimization
• 83% year-on-year improvement in employee productivity
• Error rate reduced to below 5% with 4x increase in code coverage

The company's cost-to-income ratio improved significantly to 51.6% in Q3FY26 compared to 58.2% in Q3FY25, demonstrating the benefits of operational leverage and enhanced efficiency.

Asset Quality and Risk Management

The company maintained strong asset quality metrics across its portfolio, reflecting disciplined underwriting and effective risk management practices.

The impairment cost for the quarter stood at ₹23 crores, representing 0.40% of the gross loan book, demonstrating prudent provisioning and conservative risk management approach.

Funding and Capital Position

The company strengthened its funding profile with diversified borrowing sources and improved cost metrics. Borrowings increased 38% year-on-year, with incremental borrowing sanction limits of ₹6,860 crores year-to-date. The company added 11 new lender relationships, taking active relationships to 30-plus institutions.

The company raised ₹635 crores through NCDs and commercial paper during the quarter, further diversifying its funding mix and optimizing borrowing costs.

Future Outlook and Guidance

Capri Global Capital revised its growth targets upward, reflecting confidence in its business model and market opportunities. The company expects to achieve AUM of ₹33,000-34,000 crores for FY26 and ₹43,000-44,000 crores for FY27. The long-term target has been revised to ₹55,000 crores AUM by FY28, up from the earlier target of ₹50,000 crores. The company aims to maintain ROE in the range of 16-18% and ROA of 4.00-4.25% by FY28, supported by continued operational improvements and strategic expansion initiatives.