Capri Loans reported a robust 40% year-over-year increase in Assets Under Management (AUM), reaching ₹270,401 million in Q2FY26. Net Interest Income rose by 57% to ₹4,795 million, while Profit After Tax (PAT) surged by 143% to ₹2,360 million. The company’s strategic focus on diversified retail lending and improved operational efficiency drove the strong financial performance.
Exceptional Financial Performance
Capri Loans showcased significant financial growth in Q2FY26, driven by strategic initiatives and strong market execution.
-
Assets Under Management (AUM) grew by 40% year-over-year, reaching ₹270,401 million.
-
Net Interest Income increased by 57% to ₹4,795 million.
-
Profit After Tax (PAT) surged by 143% to ₹2,360 million.
Key Financial Ratios Improved
Several key financial ratios demonstrated substantial improvement, reflecting enhanced operational efficiency and asset quality.
-
Cost-Income Ratio improved significantly to 49.4%.
-
Return on Average Equity (ROAE) increased to 14.4%.
-
Net Non-Performing Assets (NNPA) were maintained at a healthy 0.7%.
Segment-Wise AUM Composition
The company’s AUM is well-diversified across key lending segments:
-
MSME constituted a significant portion at 38.5%.
-
Housing Finance contributed 20.7%.
-
Gold Loans accounted for 18.4%.
-
Construction Finance (CF) stood at 0.3%.
Branch Network Expansion
Capri Loans has significantly expanded its reach through a growing branch network:
-
The total branch network reached 1,224, with 842 branches dedicated to Gold Loans.
Strategic Outlook
Capri Loans is committed to achieving further scale and efficiency through strategic initiatives:
-
Diversifying product offerings to address underserved markets.
-
Geographic expansion and deepening presence in existing and new markets.
-
Leveraging technology and analytics for operational excellence.
Source: BSE
