Capri Global Capital Ltd

Record date and dividend details

• Record date fixed 4 September 2026 (Friday) for entitlement to final dividend for FY ended 31 March 2026.
• Final dividend of Rs 0.20 per equity share, subject to AGM approval.
• Dividend payment post-AGM, after 22 September 2026, subject to tax deduction at source.
• Payment contingent on Members' approval at the 32nd AGM.

AGM Details

• 32nd AGM scheduled for September 22, 2026 at 4:00 PM IST via VC/OAVM.

Dividend Proposal

• Board recommended final dividend of Rs 0.20 per equity share.
• Dividend, if declared, will be paid subject to tax deduction at source.

Record Date

• Record date fixed for entitlement to the proposed final dividend: September 4, 2026.

Meeting Details

• Date: Aug 13, 2026, 10:00 AM–05:00 PM IST
• Type/Mode: In-person group meeting
• Organizer: Emkay Global Financial Services Ltd.
• Company participants: Representatives including Company Secretary & Compliance Officer
• Purpose: Discuss business updates, quarterly results, and Q1 FY2027 earnings
• Venue: Grand Hyatt, Mumbai
• Presentation: Q1 FY2027 corporate presentation to be shared

Business Overview

• Retail-focused NBFC offering secured gold, MSME, housing, and retail construction finance.
• Diversified by product and geography; strong tech-led underwriting and digital disbursement.
• Co-lending with banks for capital-efficient growth and RoE expansion.

Key Operational Highlights

• Q1 FY27 AUM grew 62% YoY to ₹401,116 mn.
• Branches increased to 1,433 with targeted expansion.
• NII rose 79% YoY to ₹7,364 mn; non-interest income ₹2,169 mn.
• PAT for Q1 FY27 ₹3,534 mn; ROAE 19.1%, ROAA 4.1%.
• Fundraising: ₹12,710 mn via NCDs/CPs; lender base >40.
• New bank sanctions ₹38,680 mn in Q1 FY27.
• Plan to add 750-800 branches over 2 years.

Financial Performance

• FY26 net income ₹28,576 mn; PAT ₹9,486 mn; ROAE 16.5%, ROAA 3.5%.
• AUM FY26 ₹366,233 mn; Q1 FY27 AUM ₹401,116 mn.
• Borrowings ₹241,121 mn; total equity ₹72,035 mn; total assets ₹326,760 mn.
• Co-lending income ₹3,640 mn; non-interest income ₹8,597 mn; net interest income ₹19,979 mn.

Capital Structure & Liquidity

• Credit ratings: Moody's Ba3, Fitch BB- Stable.
• Borrowings diversified: 40+ lenders; 20-30% co-lending retention.
• Q1 FY27 issuance: ₹12,710 mn NCDs/CPs; new sanctions ₹38,680 mn.
• Cash and bank balances ₹29,466 mn; Assets under financing activities ₹312,855 mn; Total assets ₹366,057 mn.

Strategic Priorities & Outlook

• Diversify products and expand geography; 750-800 new branches in 2 years.
• AUM target ₹650 bn by FY28; ₹1,250 bn+ by FY31 at 28-30% CAGR.
• RoAE target 19-21%; RoAA 4.2-4.7%.
• Leverage tech and data analytics for underwriting efficiency and cost control.
• Cross-sell and scale fee income via insurance, car loans and other verticals.

Risks & Mitigation

• Asset quality improving; Q1 FY27 Stage 3 net NPA 0.6% and gross 1.1%.
• Macro credit cycle risk; diversified product mix mitigates impairment volatility.
• ECL provisioning remains adequate; liquidity supported by co-lending.

Governance & Leadership

• Independent directors constitute majority; experienced MD/CEO with financial services background.
• Robust governance with risk, treasury, and technology leadership; strong lender network.
• Co-lending partnerships to access capital and maintain liquidity.

Meeting Details

• August 10, 2026, 02:00 PM to 05:00 PM IST.
• Group meeting, in-person.
• Event: Nirmal Bang Investor Conference.
• Venue: Trident, Bandra Kurla Complex, Mumbai.

Participants

• Company representatives: Company Secretary & Compliance Officer.

Purpose

• Discuss business updates, quarterly results, and Q1 FY2027 presentation.

Campaign launch

• Capri Loans launches integrated brand campaign featuring actress Nayanthara.
• Brand film theme is #DreamsGetWings; Gold Loan film uses #TryCapriGoldLoans.
• Campaign spans television, print, digital, social media, and on-ground visibility.
• Aims to strengthen Capri Loans' presence in Southern India.
• Highlights Capri Loans as a fast-growing, customer-centric retail NBFC.

Context and scale

• Capri Global Capital's Capri Loans has AUM over Rs 40,000 crores.
• As of June 30, 2026, serves 7.6 lakh customers and 1,400+ branches.
• Subsidiaries include CGHFL for housing finance and CLCPPL for car loans.
• Campaign assets include brand films in multiple languages.

Meeting Details

• Date and time: August 03, 2026 at 12:00 IST
• Type/Mode: Virtual group investor call
• Organizer: Capri Global Capital Limited; hosted and moderated by Net Roadshow
• Event: Global Investor Call (GIC)
• Purpose: discuss Q1 FY2027 updates, earnings, and business overview
• Key company participants: Company representatives (management)

Meeting Details

• Earnings Conference Call for Q1 FY27 held on July 29, 2026; concluded 05:00 PM IST.
• Type: group earnings call; format: audio recording.
• Organizer: Capri Global Capital Limited.
• Key participants: Company Secretary & Compliance Officer (no CFO/CEO named).
• Purpose: earnings results discussion for Q1 FY27.
• Audio recording and transcript available on the company's website.