Capri Global Q1 FY27 Net Profit Rises 25% YoY

Board Meeting Details

The Board of Directors meeting was held on July 27, 2026, from 02:00 PM to 06:00 PM. The Board approved the following items:

Unaudited Financial Results (Standalone and Consolidated) for the quarter ended June 30, 2026, pursuant to SEBI Circular No. HO/49/14/14(7)2025-CFD-POD2/I/3762/2026 dated January 30, 2026
Limited Review Report on the aforesaid Unaudited Financial Results
Statement of Utilization/Deviation or Variation in the use of proceeds from non-convertible securities issuance (Annexure A and B)
Security Cover Certificate for the quarter ended June 30, 2026 (Annexure I)

The Joint Statutory Auditors issued an unmodified opinion in their Limited Review Report pursuant to Regulation 33(3)(d) of SEBI Listing Regulations.

Financial Results - Consolidated (Quarter Ended June 30, 2026)

Income Statement Highlights:

Total Revenue from Operations: ₹15,764.75 million (compared to ₹13,849.81 million in Q1 FY26)
Other Income: ₹47.27 million (compared to ₹26.93 million in Q1 FY26)
Total Income: ₹15,812.02 million (compared to ₹13,876.74 million in Q1 FY26)
Finance Costs: ₹5,864.75 million (compared to ₹4,986.06 million in Q1 FY26)
Impairment on Financial Instruments: ₹621.52 million (compared to ₹538.01 million in Q1 FY26)
Employee Benefits Expenses: ₹3,013.86 million (compared to ₹3,192.94 million in Q1 FY26)
Total Expenses: ₹11,112.33 million (compared to ₹10,146.43 million in Q1 FY26)
Profit Before Tax: ₹4,699.69 million (compared to ₹3,730.31 million in Q1 FY26)
Tax Expense: ₹1,165.88 million (compared to ₹902.16 million in Q1 FY26)
Profit for the Quarter: ₹3,533.81 million (compared to ₹2,828.15 million in Q1 FY26)
Total Comprehensive Income: ₹3,616.40 million (compared to ₹2,745.70 million in Q1 FY26)

Subsidiary Information:

The consolidated results include five subsidiaries:

1. Capri Global Housing Finance Limited

2. Capri Loans Car Platforms Private Limited

3. Capri Global Capital Markets Private Limited (formerly Capri Global Financial Services Private Limited)

4. Capri Global Securities Private Limited (formerly Capri Global Broking Private Limited, formerly Capri Global Wealth Management Private Limited)

5. Capri Global Insurance Brokers Private Limited

Subsidiaries contributed total revenues of ₹3,453.04 million and net profit of ₹436.33 million before consolidation adjustments.

Financial Results - Standalone (Quarter Ended June 30, 2026)

Income Statement Highlights:

Total Revenue from Operations: ₹12,325.20 million (compared to ₹10,709.40 million in Q1 FY26)
Other Income: ₹63.17 million (compared to ₹76.56 million in Q1 FY26)
Total Income: ₹12,388.37 million (compared to ₹10,785.96 million in Q1 FY26)
Finance Costs: ₹4,661.35 million (compared to ₹3,896.06 million in Q1 FY26)
Impairment on Financial Instruments: ₹394.05 million (compared to ₹523.78 million in Q1 FY26)
Employee Benefits Expenses: ₹2,204.39 million (compared to ₹2,401.21 million in Q1 FY26)
Total Expenses: ₹8,194.54 million (compared to ₹7,584.21 million in Q1 FY26)
Profit Before Tax: ₹4,193.83 million (compared to ₹3,201.75 million in Q1 FY26)
Tax Expense: ₹1,053.00 million (compared to ₹776.36 million in Q1 FY26)
Profit for the Quarter: ₹3,140.83 million (compared to ₹2,425.39 million in Q1 FY26)
Total Comprehensive Income: ₹3,259.10 million (compared to ₹2,309.05 million in Q1 FY26)
Earnings Per Share (Basic): ₹3.26 (compared to ₹2.52 in Q1 FY26)
Earnings Per Share (Diluted): ₹3.25 (compared to ₹2.51 in Q1 FY26)
Paid-up Equity Share Capital: ₹962.15 million

RBI Compliance Disclosures:

Loans transferred through direct assignment: ₹15,468.57 million with 10.00% retention of beneficial economic interest
Loans transferred under Co-Lending arrangements: ₹809.23 million with 15%-30% retention
Co-Lending arrangements (CLM I) gross outstanding: ₹6,622.18 million with weighted average ROI of 13.54%
No acquisition of loans not in default or stressed loans
No transfer of stressed loans to ARC
Security receipts ratings: IVRRR I and IVRRR I+ from Infomerics Valuation and Rating Ltd.

Project Finance Disclosures (RBI Directions, 2025):

Projects under implementation at beginning: 171 accounts, ₹35,696.55 million
Projects sanctioned during quarter: 16 accounts, ₹4,090.76 million
Projects where DCCO achieved during quarter: 10 accounts, ₹884.72 million
Projects under implementation at end: 177 accounts, ₹38,902.59 million
Accounts with resolution process invoked: 11 accounts, ₹1,248.27 million

Subsidiary Updates

During the quarter, two subsidiaries obtained new registrations:

Capri Global Capital Markets Private Limited: SEBI registration under Merchant Bankers Regulations on June 5, 2026
Capri Global Securities Private Limited: SEBI registration under Stock Brokers Regulations on July 23, 2026

Non-Convertible Debenture (NCD) Disclosures

Utilization of Proceeds (Annexure A):

Detailed statement showing utilization of proceeds from multiple NCD issuances through private placement and public issue between August 2019 and April 2026, totaling approximately ₹1,462.29 crore. All funds were fully utilized for their intended purposes (onward lending, refinancing, working capital, general corporate purposes) with no deviations reported.

Deviation Statement (Annexure B):

No deviation or variation in the use of proceeds from NCD issuances. All funds were used for their stated objects: onward lending purposes, refinancing, working capital requirements, and general corporate purposes.

Security Cover Certificate (Annexure I):

As of June 30, 2026, for listed secured NCDs aggregating ₹1,462.29 crores:

Security cover ratio: 1.26 times (based on book values)
Assets offered as security include property, plant and equipment, investments, loans, and other assets
Security includes first pari-passu charge on book debts and immovable property in Chennai
Auditors confirmed maintenance of required asset cover and compliance with financial covenants

Key Financial Ratios (Standalone)

Net Worth: ₹69,752.10 million
Debt-Equity Ratio: Not provided
Total Debts to Total Assets: 0.73
Net Profit Margin: 25.35%
Capital Adequacy Ratio (CAR): 24.66%
Gross NPA: 1.02%
Net NPA: 0.56%

Additional Information

The company operates mainly in fund-based financing activity with no separate reportable segments
Material accounting policies are consistent with annual financial statements for FY26
Previous period figures have been reclassified/regrouped to conform to current period presentation
Financial results will be available on company website: www.capriloans.in