Key Financial Performance - Consolidated (Q2 FY27)

Assets Under Management (AUM):

  • Total Consolidated AUM: ₹43,878 crores, up 62.3% YoY and 9.4% QoQ
  • Gold Loans: ₹21,004 crores (101.8% YoY growth, 9.5% QoQ growth)
  • MSME Loans: ₹7,016 crores (25.2% YoY growth, 3.5% QoQ growth)
  • Affordable Housing: ₹8,325 crores (39.4% YoY growth, 6.5% QoQ growth)
  • Construction Finance: ₹7,534 crores (48.9% YoY growth, 18.9% QoQ growth)

Income Statement:

  • Net Interest Income: ₹812 crores (69.4% YoY growth, 10.3% QoQ growth)
  • Non-Interest Income: ₹273 crores (34.2% YoY growth, 27.5% QoQ growth)
  • Net Total Income: ₹1,085 crores (58.9% YoY growth, 14.2% QoQ growth)
  • Operating Expense: ₹449 crores (33.0% YoY growth, 7.4% QoQ growth)
  • Operating Profit: ₹636 crores (84.3% YoY growth, 19.6% QoQ growth)
  • Profit After Tax: ₹418 crores (77.3% YoY growth, 18.4% QoQ growth)

Profitability Metrics:

  • Spread on net advances: 8.3% (142 bps improvement YoY, 38 bps improvement QoQ)
  • Cost-to-income: 41.4% (807 bps improvement YoY, 264 bps improvement QoQ)
  • Operating Profit Margin (% AAuM): 6.1% (73 bps improvement YoY, 51 bps improvement QoQ)
  • RoAA: 4.4% (41 bps improvement YoY, 29 bps improvement QoQ)
  • RoAE: 21.6% (716 bps improvement YoY, 242 bps improvement QoQ)
  • EPS (Basic): ₹4.35 (77.3% YoY growth, 18.4% QoQ growth)
  • Book Value Per Share: ₹82.8 (19.3% YoY growth, 5.2% QoQ growth)

H1 FY27 Performance

  • Net Interest Income: ₹1,549 crores (74% YoY growth)
  • Non-Interest Income: ₹487 crores (31% YoY growth)
  • Operating Profit: ₹1,168 crores (78% YoY growth)
  • PAT: ₹772 crores (88% YoY growth)
  • Cost-to-income ratio: 42.6% (improved from 48.1% in H1 FY26)
  • RoAE: 20.4%

Non-Interest Income Breakdown (Q2 FY27)

  • Insurance distribution income: ₹51 crores (82% YoY growth)
  • Net car loan distribution income: ₹34 crores (35% YoY growth)
  • Car loan originations: approximately ₹3,601 crores (27% YoY growth)
  • Co-lending/direct assignment income: ₹72 crores
  • Co-lending/direct assignment AUM represents 20.7% of consolidated AUM

Operational Highlights

  • Branch network expanded to 1,609 locations (from 1,433 in previous quarter)
  • Network comprises 1,154 Gold Loan branches and 455 Non-Gold branches
  • Employee count: over 15,400 employees across India
  • Partnerships with 23 insurance companies

Asset Quality

  • Gross Stage 3 assets: 1.2% (compared to 1.3% YoY and 1.1% QoQ)
  • Net Stage 3 assets: 0.8% (compared to 0.7% YoY and 0.6% QoQ)
  • Provision coverage (Stage 3): 33.3%
  • Credit costs (including write-offs and ECL provisions): ₹79 crores for the quarter (~0.8% of average total assets annualized)

Capital Position and Liquidity

  • Standalone capital adequacy ratio (CRAR): 22.7%
  • Consolidated total equity: ₹7,958 crores (19% YoY growth)
  • Consolidated borrowings: ₹30,489 crores
  • Debt-to-equity: 3.8x
  • Cash and bank balances: ₹2,835 crores

Management Commentary and Guidance

Managing Director Mr. Rajesh Sharma stated that the company delivered strong growth across secured lending businesses, achieving highest quarterly profit of ₹418 crores and RoAE of 21.6%. The company will continue investing in technology, analytics, and customer reach.

Future Targets:

  • AUM target of ₹65,000 crores by FY28
  • Longer-term ambition of ₹1,25,000 crores-plus by FY31
  • Target consistent RoAE of 19%–21% and RoAA of 4.2%–4.7%

Business Overview

Capri Global Capital Limited is a retail-focused NBFC-ND-SI offering secured loans across four principal segments: Gold Loans, MSME Loans, Construction Finance, and Affordable Housing Loans (through subsidiary Capri Global Housing Finance Limited). Fee-based businesses include insurance distribution and car loan distribution through Capri Loans Car Platform Private Limited.