Capri Global Capital Ltd
NSE:CGCL
Capri Global Capital Ltd
In the bustling world of finance and lending in India, Capri Global Capital Ltd. has carved out a unique niche, transforming itself into a formidable player in the non-banking financial company (NBFC) sector. Founded in 1997, the company initially set foot in the financial arena with the vision of bridging the accessibility gap to capital for India's burgeoning micro, small, and medium enterprises (MSMEs). Headquartered in Mumbai, Capri Global has strategically positioned itself to cater to the underserved segments of the market, offering diverse loan products that range from SME loans to construction finance. The driving force behind its operations is leveraging its deep understanding of local markets, powered by advanced technology platforms that streamline processing, risk assessment, and customer service.
Capri Global’s business model is adept at balancing growth with risk management. Revenue streams flow primarily from interest income generated through a robust portfolio of loans that cater to various sectors such as housing finance, MSME lending, and construction. The company has effectively maximized its relationships with borrowers by customizing loan offerings, thus creating a symbiotic relationship that ensures consistent cash flow. Meanwhile, its effective risk management practices mitigate potential defaults, safeguarding substantial returns. As the Indian economy continues to grow, Capri Global Capital Ltd.'s commitment to innovation and adaptability remains pivotal, positioning it for sustained expansion and making it a significant player in the financial landscape.
In the bustling world of finance and lending in India, Capri Global Capital Ltd. has carved out a unique niche, transforming itself into a formidable player in the non-banking financial company (NBFC) sector. Founded in 1997, the company initially set foot in the financial arena with the vision of bridging the accessibility gap to capital for India's burgeoning micro, small, and medium enterprises (MSMEs). Headquartered in Mumbai, Capri Global has strategically positioned itself to cater to the underserved segments of the market, offering diverse loan products that range from SME loans to construction finance. The driving force behind its operations is leveraging its deep understanding of local markets, powered by advanced technology platforms that streamline processing, risk assessment, and customer service.
Capri Global’s business model is adept at balancing growth with risk management. Revenue streams flow primarily from interest income generated through a robust portfolio of loans that cater to various sectors such as housing finance, MSME lending, and construction. The company has effectively maximized its relationships with borrowers by customizing loan offerings, thus creating a symbiotic relationship that ensures consistent cash flow. Meanwhile, its effective risk management practices mitigate potential defaults, safeguarding substantial returns. As the Indian economy continues to grow, Capri Global Capital Ltd.'s commitment to innovation and adaptability remains pivotal, positioning it for sustained expansion and making it a significant player in the financial landscape.
Record Profit: Capri Global delivered its highest-ever quarterly profit of INR 255 crores in Q3 FY '26, up 99% year-on-year.
Strong AUM Growth: Consolidated AUM rose to INR 30,406 crores, marking 47% year-on-year and 12% quarter-on-quarter growth.
Fee Income Surge: Noninterest income grew 124% year-on-year, now making up 32% of net total income, driven by insurance and co-lending fees.
Improved Margins: Spread increased to 7% from 6.9%, with management guiding to further improvement to 7.2% next quarter.
Asset Quality Maintained: Gross Stage 3 ratio decreased to 1.2%, with portfolio-level LTV in Gold Loans at a conservative 60%.
Upgrade to Growth Targets: Management raised AUM target to INR 55,000 crores by FY '28 and expects sustainable ROE of 16%+ and ROA of 4–4.25%.
Operational Efficiency: Cost-to-income ratio improved to 51.6% from 58.2% last year, driven by tech investments and branch productivity.
Capital Position Strong: Capital adequacy remains robust at 30.3% for Capri Global Capital and leverage at 2.8x, supporting future growth.
