Capri Global Capital Ltd. (CGCL) reported strong Q3 FY26 results, with consolidated AUM surging 47% YoY to INR 30,406 Cr and consolidated PAT increasing 99% YoY to INR 255 Cr. Growth was broad-based across lending verticals, with significant contributions from gold loans, MSME loans, and affordable housing. The company continues to focus on expanding margins, operating leverage, and consistent growth across business segments.
Exceptional Quarterly Performance
Capri Global Capital Ltd. (CGCL) delivered its strongest quarterly performance in Q3 FY26, with consolidated AUM reaching INR 30,406 crores, a 47% YoY increase and 12% QoQ growth. Disbursements also saw substantial growth, rising 87% YoY and 21% QoQ to reach INR 10,879 Cr.
Profitability Surge
The company’s profitability witnessed a significant uptick, with consolidated PAT increasing by 99% YoY to INR 255 Cr. This improvement was driven by expanding margins and operating leverage, showcasing consistent growth across all key business segments.
Segmental Growth
The lending verticals experienced broad-based growth, including:
- Gold Loans: 80% YoY increase
- MSME Loans: 19% YoY increase
- Affordable Housing: 40% YoY increase
Customer base now exceeds 6.3 lakhs.
Key Financial Metrics
Key financial highlights for Q3 FY26 include:
- Net Interest Income: Increased 48% YoY to INR 510 crores.
- Non-Interest Income: Grew 124% YoY to INR 240 crores, contributing 32.0% of net total income.
- Operating Profit: Surged 92.1% YoY to INR 363 Cr.
- Basic EPS: Rs 2.66
The company also reported an improvement in return metrics, with annualised RoAE at 15.0% and RoAA at 4.0%.
Asset Quality and Capital Adequacy
CGCL maintained a strong capital position, with a standalone capital adequacy ratio of 30.3%. Asset quality also improved, with the Gross Stage 3 ratio declining to 1.2%.
Strategic Developments
The company’s branch network expanded to 1,331 locations in Q3 FY26, reflecting its commitment to increased accessibility. Co-lending AUM grew 93% YoY and now constitutes 23.5% of consolidated AUM.
Management Commentary
Mr. Rajesh Sharma, Promoter & Managing Director, stated that the company is well-positioned to achieve Rs 55,000 cores AUM, sustainable RoAE of 16-18% and RoAA of 4.0%-4.5% by FY28.
Source: BSE
