Capri Global Capital reported a strong Q2 FY26 with consolidated AUM reaching INR 27,040 Cr, a 40% YoY increase. Consolidated PAT surged by 143% YoY to INR 236 Cr. The company’s gold loan portfolio grew by 58% YoY. The branch network expanded to 1,224 locations, enhancing operational efficiency, and resulting in a cost-to-income ratio of 49.4%.
Strong Financial Performance
Capri Global Capital reported robust growth in Q2 FY26, with consolidated AUM rising 40% YoY and 9% QoQ to INR 27,040 Cr. Disbursements grew 64% YoY to INR 8,952 Cr.
Profitability and Key Metrics
Consolidated PAT increased by 143% YoY and 35% QoQ to INR 236 Cr. The company’s profitability was driven by expanding margins and consistent growth across business segments. Annualized RoAE stood at 14.4% and RoAA at 4.0%.
Segmental Growth
The gold loans portfolio saw significant growth, increasing by 58% YoY. MSME loans grew by 17.7% YoY, and affordable housing loans increased by 37% YoY. Co-lending AUM reached INR 5,677 Cr, accounting for 21.0% of total AUM.
Net Interest Income and Margins
Net Interest Income grew by 57% YoY and 15% QoQ to INR 480 Cr. Blended yields and spreads on net advances stood at 16.5% and 6.9%, respectively.
Non-Interest Income
Non-interest income grew by 97% YoY and 22% QoQ to INR 203 Cr, contributing 29.8% of net total income. The car loan distribution business originations reached INR 2,830 Cr.
Operational Efficiency
The branch network expanded to 1,224 locations. The cost-to-income ratio improved to 49.4%. Pre-provision operating profit surged 137% YoY and 11% QoQ to INR 345 Cr.
Asset Quality
The Gross Stage 3 ratio declined to 1.3%, down by 36 bps YoY. The Net Stage 3 ratio improved to 0.7%, down 25 bps YoY. Provision coverage ratio on Stage 3 loans stood at 43%.
Capital Position
Standalone capital adequacy ratio stood at 32.9%. Consolidated total equity was INR 6,673 Cr, up by 66% YoY.
Source: BSE
