Capri Global Capital Limited – Investor Presentation Summary
Key Operational Highlights
- Consolidated AUM grew ~52% CAGR during FY24-Q1FY27
- Operates 1,433 branches across 20 states & UTs with ~5,667 employees
- Portfolio comprises >84% retail AUM and ~100% secured loan book
- Key drivers: Branch expansion, product diversification, and technology adoption
Segment-wise Performance
- Gold Loans: AUM not specified, Yield ~19.07%, LTV ~73.35%, Average Ticket Size ~₹0.19 million
- MSME Loans: AUM not specified, Yield ~17.62%, LTV ~44.88%, Average Ticket Size ~₹1.19 million
- Construction Finance: AUM not specified, Yield ~18.28%, Cover >1.50x, Average Ticket Size ~₹217.58 million
- Housing Finance: AUM not specified, Yield ~13.58%, LTV ~56.78%, Average Ticket Size ~₹1.95 million
- Fee-based businesses: Car loan distribution and insurance distribution providing asset-light income streams
Financial Highlights
Consolidated Figures (₹ million):
- Revenue from operations: FY24 ₹23,129, FY25 ₹32,475, FY26 ₹47,311, Q1FY27 ₹15,765
- Finance costs: FY24 ₹8,359, FY25 ₹12,736, FY26 ₹17,298, Q1FY27 ₹5,865
- Profit After Tax: FY24 ₹2,794, FY25 ₹4,785, FY26 ₹9,492, Q1FY27 ₹3,534
- Net Interest Margin: 9.63%
- Yield on Assets: 17.47%
- Return on Assets (RoAA): Q1FY27 4.1%
- Return on Equity (RoAE): Not specified
Geographical Revenue Split
- Domestic vs Export: Not specified
- Regional presence: 20 states & UTs with focus on Tier 2/3/4 cities
- Expansion plans: Telangana, Karnataka, Tamil Nadu, Andhra Pradesh, Odisha, Uttar Pradesh
Balance Sheet Snapshot
Consolidated (₹ million):
- Total Equity: FY24 ₹38,366, FY25 ₹43,041, FY26 ₹72,035, Q1FY27 ₹75,655
- Borrowings: FY24 ₹104,069, FY25 ₹155,768, FY26 ₹241,121, Q1FY27 ₹276,297
- Cash and bank balances: FY24 ₹6,746, FY25 ₹15,312, FY26 ₹21,229, Q1FY27 ₹29,466
- Assets under financing activities: FY24 ₹134,212, FY25 ₹182,515, FY26 ₹281,499, Q1FY27 ₹312,855
- Debt-to-Equity: 3.7x
- CRAR: 24.7% (standalone)
Capex & Cash Flow Health
- Capital Expenditure: Not specified
- Free Cash Flow: Not specified
- Operating Cash Flow: Not specified
- Maintains minimum 3 months of liquidity coverage at any given point
Strategic & R&D Initiatives
- Technology investments: In-house developed advanced technology platform with AI tools for cost efficiency
- Product diversification: Scaling existing verticals and adding new products
- Geographic expansion: Opening new branches in existing and new states
- Co-lending partnerships: 11 partner banks, CGCL retains 20-30% share
- Liability management: Diversifying borrowings through NCDs/CPs, widening lender base
Industry Trends & Business Environment
- Focus on underserved markets in Tier 2/3/4 cities
- Growing demand for secured retail lending products
- Regulatory environment: RBI guidelines compliance with 15% minimum CRAR requirement
Management Commentary & Growth Outlook
- Strategic outlook: Offer customized products to underserved high-growth markets
- Focus on revenue diversification and cross-selling to large customer base
- Leverage technology and data science for operational excellence
- Growth targets: Not specified quantitatively
- Risks: Maintain NNPA below 5%, minimum CRAR 15%, security coverage ratio ≥1.0x
ESG Updates
- ESG Ratings: SES ESG 75 (B+), NSE Sustainability 69, CRISIL ESG 64 (Strong), S&P SPO rated "Good"
- DJSI Corporate Sustainability Assessment: 70 (Industry Average 30)
- Training programs on ESG principles for Board and KMPs
- Zero disciplinary actions for corruption or conflict of interest