Capri Global Capital Live Share Price Today, Share Analysis and Chart

About the company - Business Profile

Capri Global Capital Limited (CGCL) is a diversified Non-Banking Financial Company (NBFC) with a strategic focus on underserved segments in India. The company operates across high-growth verticals including MSME lending, Affordable Housing Finance (through its subsidiary Capri Global Housing Finance Limited), Gold Loans, and Construction Finance. Beyond direct lending, CGCL generates fee-based income through the distribution of new car loans and insurance products. As of March 2025, the company maintains a robust market position with a consolidated Assets Under Management (AUM) of ₹2,28,602 million, serving over 5.46 lakh customers through a network of 1,111 branches across North and West India.

Key Points

• Key Facts: Founded in 1994 (rebranded in 2013), CGCL is headquartered in Mumbai, India. It is a listed entity on both the BSE and NSE and is a constituent of the NIFTY Smallcap 250 index.
• Operations and Resources: The company operates via a network of 1,111 branches (as of FY2025). Its resource base is diversified across 20+ lending partners including major public and private sector banks like SBI, Union Bank, and Canara Bank, as well as refinance from NHB and NABARD.
• Ownership: The promoter group holds a majority stake of 69.3% (as of December 2025). Institutional and public shareholders hold the remaining 30.7%.
• Market and Significance: CGCL plays a critical role in financial inclusion by catering to first-generation entrepreneurs and first-time borrowers. Approximately 62% of its customers are first-generation entrepreneurs, and 80.7% of customers saw an improvement in their credit scores post-engagement with CGCL.
• Business Model: The company utilizes a "phygital" model, combining a physical branch network with digital lending capabilities. It excels in a discussion-based credit assessment for customers without formal credit histories and has a strong focus on the co-lending model to optimize capital use.
• Revenue and AUM Breakdown (FY2025 Annual Numbers):
  • Consolidated AUM: ₹2,28,602 million (51% CAGR FY22-25).
  • Gold Loans: ₹80,422 million (35.2% of AUM).
  • MSME Loans: ₹52,789 million (23.1% of AUM).
  • Housing Loans: ₹52,019 million (22.8% of AUM).
  • Construction Finance: ₹41,329 million (18.1% of AUM).
  • Others: ₹2,042 million (0.9% of AUM).
• Financial Performance (FY2025):
  • Net Interest Income (NII): ₹13,320 million.
  • Non-Interest Income: ₹5,009 million (representing 27.3% of Net Total Income).
  • Profit After Tax (PAT): ₹4,785 million (71% YoY growth).
  • Return on Average Equity (RoAE): 11.8%.
  • Return on Average Assets (RoAA): 2.7%.
• Product and Technology Advancements:
  • Co-lending Strategy: In FY2025, Gold Loan co-lending AUM grew to ₹24,810 million, up 271.7% YoY. This model allows CGCL to retain 20-30% of the loan while earning spreads and servicing fees.
  • Digital Car Loan Platform: The company operates a car loan origination business, achieving a value of ₹1,05,519 million in FY2025.
  • Gold Loan Momentum: Launched in August 2022, the Gold Loan business reached an AUM of ₹80,422 million by March 2025, becoming the largest segment by AUM.
• Asset Quality (FY2025):
  • Gross NPA (GNPA): 1.5%.
  • Net NPA (NNPA): 0.9%.
  • Provision Coverage Ratio (PCR): 41.7%.
• Workforce: The company employs 11,410 personnel as of March 2025, up from 10,060 in the previous year.
• Future Outlook: The company aims to further diversify funding sources, including NCDs and market borrowings, to reduce reliance on bank lines. Strategic focus remains on scaling the Gold Loan and Affordable Housing segments while maintaining asset quality through disciplined underwriting.

References

1. Annual Report May 2025
2. Investor Presentation Feb 2026
3. Investor Presentation Nov 2025
4. Investor Presentation Oct 2025
5. Annual Report May 2024