Capri Global Capital LimitedQ1 FY27 Results & Financial Update
Capri Global Capital Limited: Q1 FY27 consolidated results and company financials – revenue ₹1,576.48 Cr, PAT ₹353.38 Cr. Explore reported YoY/QoQ movements, margins, business drivers and management commentary. This page does not provide a rating, target price or investment recommendation.
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Quarterly Results AnalysisExplore Capri Global Capital Q1 FY27 quarterly results and earnings: revenue, profit (PAT), EBITDA, margins, YoY and QoQ growth, order book or business updates where reported, financial performance and management commentary. Reported figures and Nivata calculations are shown separately; no buy, sell or hold recommendation is provided.
Quarter overview
Quarterly earnings analysis
Consolidated Assets Under Management (AUM) expanded strongly to ₹401,116 million (up 62% year-on-year), driven by steady growth across retail lending segments including gold loans, housing finance, and MSME financing.
Net Interest Income (NII) for Q1 FY27 grew by 79% year-on-year to ₹7,364 million, supported by an expanding interest-earning asset base and widening loan spreads.
The company maintained disciplined asset quality, reporting a consolidated Gross NPA (Stage 3 % to gross loans) of 1.1% and a Net NPA ratio of 0.6% at the end of June 2026.
Operating expenses for the quarter stood at ₹4,212 million, resulting in an improved cost-to-income ratio of 44.2%, down 227 basis points compared to the same period in the previous year.
Capital adequacy remained comfortable with a CRAR of 24.7% and a debt-to-equity ratio of 3.7x, alongside a diversified borrowing mix comprising bank loans, debt securities, and co-lending arrangements.
Capri Global Capital Limited posted its financial results for the first quarter of fiscal year 2027 (Q1 FY27), covering the period ended 30 June 2026, under consolidated scope.
During the quarter, the company reported revenue from operations of INR 1,576.475 crore and total income of INR 1,581.202 crore, underpinned by interest income of INR 1,322.858 crore.
01 · Business model
What does Capri Global Capital do?
Capri Global Capital Limited operates as a diversified non-banking financial company (NBFC) in India, focusing on underserved retail and MSME segments across multiple states and union territories.
The company's core lending verticals comprise MSME loans, gold loans, housing finance (operated through its subsidiary CGHFL), construction finance, and car loan distribution.
Capri Global supplements its lending business with asset-light fee-generating streams such as insurance distribution and co-lending partnerships with prominent public and private sector banks.
Its operational network spans 1,433 branches across India, supported by specialized tech centers in Gurgaon, Noida, and Bangalore.
02 · Historical context
What shaped the business before this quarter
The company's gold loan business was initiated in August 2022 and has since expanded rapidly to reach 1,000 dedicated branches by the end of Q1 FY27.
Consolidated AUM has scaled at a compound annual growth rate (CAGR) of 53% from FY22 through Q1 FY27, reaching ₹401,116 million.
03 · Financial snapshot
Current-quarter financial snapshot
| Metric | Q1 FY27 |
|---|---|
| Total income | ₹1,581.20 Cr |
| Interest income | ₹1,322.86 Cr |
| Other income | ₹4.73 Cr |
| Profit before tax | ₹469.97 Cr |
| Profit after tax | ₹353.38 Cr |
| EPS | ₹3.66 |
04 · Earnings & margin drivers
What drove earnings and margins
What drove net interest income and earnings
Interest earned on financing activities reached ₹13,229 million for Q1 FY27, representing a 64% increase year-on-year.
Non-interest income contributed ₹2,169 million, including net car loan fees of ₹321 million, co-lending income of ₹651 million, insurance distribution income of ₹421 million, and treasury gains of ₹196 million.
Interest income reached INR 1,322.858 crore, forming the primary engine of top-line generation for the NBFC during the quarter.
Other income contributed INR 4.727 crore to the consolidated total income of INR 1,581.202 crore.
NIM, spread, funding cost and credit cost
Net Interest Margin improved to 9.7% for Q1 FY27, benefiting from rising yields on net advances (17.0%) and a declining cost of borrowings (9.1%).
The cost-to-income ratio improved to 44.2% for Q1 FY27 compared to 46.5% in Q1 FY26, reflecting operating leverage across the established branch network.
Borrowing and finance costs stood at INR 586.475 crore, representing a major expense item impacting net interest spreads.
Depreciation and amortization expenses were reported at INR 28.814 crore for the quarter.
05 · Loan growth, sanctions & disbursements
How the lending book is moving
Live customer accounts stood at over one million in the gold loan business and 57,058 in the MSME segment.
06 · Portfolio mix & lending exposure
Where the loan book is concentrated
Segments and products
Gold loan AUM expanded to ₹191,786 million, representing 47.8% of the total consolidated AUM, with average ticket size on portfolio at ₹191,000 across 1,001,740 live accounts.
MSME AUM (including MSME, micro LAP, and solar loans) reached ₹67,791 million, accounting for 16.9% of total AUM with a segmental yield of 16.8%.
Housing finance AUM (CGHFL entity) stood at ₹78,153 million, representing 19.5% of overall AUM, operating through 411 mortgage finance branches.
Construction finance AUM stood at ₹63,316 million, or 15.8% of consolidated AUM, with average outstanding ticket size at ₹212.7 million across 291 live accounts.
Geography and market mix
The total branch network stood at 1,433 branches as of June 30, 2026, spanning multiple states and union territories.
The gold loan network reached 1,000 branches across 15 states and union territories by the end of Q1 FY27.
07 · Asset quality & capital strength
How credit quality and balance-sheet capacity changed
Asset quality, stages and credit risk
AUM per branch for gold loans increased to ₹192 million, reflecting productivity improvements across deployed network capacity.
08 · Strategy & portfolio evolution
How the lending mix and strategic agenda are changing
Co-lending and Direct Assignment (DA) AUM reached ₹81,263 million (20.3% of consolidated AUM), partnering with 11 banks to optimize capital efficiency.
Maintained strategic partnerships with 22 insurance companies (10 life, 8 general, 4 health), generating ₹652 million in premium during Q1 FY27.
09 · Reported developments
What changed operationally
Profit after tax for the quarter rose 102% year-on-year to ₹3,534 million (₹353.38 crore), accompanied by a 71% increase in operating profit.
10 · Funding & balance sheet
How funding, liquidity and capital support the loan book
Capital allocation & funding
Total consolidated borrowings reached ₹276,297 million, comprising ₹250,193 million in bank borrowings and ₹26,104 million in debt securities.
Secured a 'Ba3' rating with Stable Outlook from Moody's Ratings and 'BB- Stable' from Fitch Ratings, backed by net available cash, bank balances, and liquid investments of ₹40,369 million.
11 · Management guidance & targets
What management is targeting from here
Management targets ₹650 billion in AUM by FY28 and ₹1,250 billion+ by FY31, growing at a 28% to 30% CAGR.
Management targets consistent RoAE of 19.0% to 21.0% and RoAA of 4.2% to 4.7%.
12 · Beyond the numbers
What changed beyond the numbers
Reported update
Brand Ambassador Partnerships
Continued brand campaigns featuring actors Pankaj Tripathi and Nayanthara to drive consumer awareness and strengthen regional connection across India.
13 · Key Q&A
The quarter, answered directly
What does Capri Global Capital do?
Capri Global Capital Limited operates as a diversified non-banking financial company (NBFC) in India, focusing on underserved retail and MSME segments across multiple states and union territories.
What is the clearest takeaway from Q1 FY27?
Consolidated Assets Under Management (AUM) expanded strongly to ₹401,116 million (up 62% year-on-year), driven by steady growth across retail lending segments including gold loans, housing finance, and MSME financing.
What drove earnings or loan-book movement?
Interest earned on financing activities reached ₹13,229 million for Q1 FY27, representing a 64% increase year-on-year.
What mattered most for margins, funding or credit cost?
Net Interest Margin improved to 9.7% for Q1 FY27, benefiting from rising yields on net advances (17.0%) and a declining cost of borrowings (9.1%).
What changed operationally beyond the headline numbers?
AUM per branch for gold loans increased to ₹192 million, reflecting productivity improvements across deployed network capacity.
What is management guiding or targeting from here?
Management targets ₹650 billion in AUM by FY28 and ₹1,250 billion+ by FY31, growing at a 28% to 30% CAGR.
14 · Scenario calculator
Earnings sensitivity: what if growth and margins change?
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15 · Next filing checkpoints
What the next disclosure can confirm or change
- 01
AUM Expansion Pace: Monitor the progress toward the medium-term AUM target of ₹650 billion by FY28 across retail lending verticals.
- 02
Asset Quality Maintenance: Track Stage 3 asset quality ratios and provision coverage across MSME and housing finance portfolios.
- 03
Asset Quality and Portfolio Performance: Monitor subsequent disclosures for granular asset quality metrics including GNPA, NNPA, and stage-wise loan classification.
- 04
Credit Growth and Disbursements: Track future loan book expansion and disbursement velocity across key retail and wholesale lending segments.
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