Investor Presentation

Date:June29,2026 BSELimited National Stock Exchange India International NSEIFSCLimited, Phiroze Jeejeebhoy ofIndiaLimited Exchange(IFSC)Limited UnitNo.1201, TowersDalalStreet 5thFloor,ExchangePlaza, 1st Floor, Unit No. 101, Brigade International Mumbai–400001 Bandra(East) The Signature, Building FinancialCentre, ScripCode:531595 Mumbai–400051 no.13B,Road1C,Zone1, 12thfloor,Block-14,Road ScripCode:CGCL GIFT SEZ, GIFT City, 1C,Zone-1, Gandhinagar, GIFT SEZ, Gandhinagar, Gujarat–382355 Gujarat-382355 Subject: Disclosure under Regulation 30(6) and other applicable provisions of the Securities and ExchangeBoardofIndia(ListingObligationsandDisclosureRequirements)Regulations,2015,as amendedfromtimetotime(“LODRRegulations”). Ref: OurintimationrelatingtoScheduleof Call(s)/Meet(s)of Analysts/InvestorsunderRegulation30 ofSEBI(LODR)Regulations,2015datedJune23,2026(“ExistingIntimation”). DearMa’am/Sir, PursuanttoRegulation30(6)andotherapplicableprovisionsof theLODRRegulations,andincontinuation oftheaboveExisting Intimation, wewish toinform you regarding theroadshow/investor presentation, in connectionwiththeissuance,offerandsaleof senior,securedandratednotes(“Notes”),proposed tobe issued under the U.S.$ 1,000,000,000 (United States Dollars one billion) Global Medium Term Note programme (“GMTN Programme”), pursuant to Regulation S and Rule 144A of the U.S. Securities Act of 1933 (as amended from time to time), is available at the following link:https://www.capriloans.in/cms/investor-presentation/FY%202026%20- %202027/Roadshow%20Presentation/Investor%20Presentation%20%20%20/Capri-Global-Investor- Presentation-29.06.2026.pdf. Nounpublishedpricesensitiveinformationismentionedintheaforesaidroadshow/investorpresentation. Youarerequestedtotaketheaboveintimationonrecord,ascomplianceunderRegulation30(6)andother applicableprovisionsoftheLODRRegulations,andacknowledgereceiptofthesame. This intimation was received by the Company on Monday, June 29, 2026, at 06:37 PM (IST) and is also uploadedontheCompany’swebsiteatwww.capriloans.in. Youarerequestedtokindlytaketheaboveinformationonrecord. Thankingyou. Yoursfaithfully, ForandonbehalfofCapriGlobalCapitalLimited YasheshBhatt CompanySecretary&ComplianceOfficer MembershipNo.20491 Capri Global Capital Limited Investor Presentation June & July 2026 Transaction Summary Issuer Capri Global Capital Limited Issue Fixed rate, Senior Secured US$ bonds Issuer Rating BB-(stable outlook) Fitch / Ba3 (stable outlook) Moody’s Size US$ Benchmark Tenor WAL [3.25Y] Coupon [ ]% p.a. payable semi-annually A first ranking pari passu charge (by way of hypothecation) over standard Receivables book debts, principal amounts and interest, costs, charges etc. owing to or receivable by the Issuer, both present and future (other than the Excluded Receivables), in respect of certain securities/loans/inter-corporate deposits Security subscribed to/given/placed by the Issuer, and all benefit, rights, interest, claims and demands of the Issuer in, to or in respect of all the aforesaid amounts, both present and future. Format 144A/ RegS; Fixed rate, senior secured US$ bonds; drawdown off US$ 1bn GMTN Program For activities as may be permitted under the RBI regulations such as onward lending, in accordance with the approvals granted by the RBI from time to time in Use of Proceeds this relation (if applicable) and in accordance with the ECB Guidelines and other applicable laws • NNPA to not exceed 5% Maintenance Covenants • Minimum Capital Adequacy Ratio 15% in line with RBI guidelines • Minimum Security Coverage Ratio equal to or greater than 1.0x with security comprising of standard assets at all times Denomination $[200k] and, in excess thereof, integral multiples of [1k] Listing India INX and NSE IX Governing Law English Law Joint Global Coordinators and Barclays, Citigroup, DB (B&D), Emirates NBD, UBS Joint Book Runner Table of Content 1 Company Overview 4 2 Product Overview 3 Technology, Data Science and AI 23 4 Balance Sheet and ALM 26 5 Financial Highlights 31 6 Corporate Governance Appendix 1 Company Overview Capri Global Capital – Company Overview Key Highlights Product Offerings ➢ Retail focused & Granular Portfolio ➢ Fully Secured & DiversifiedLoan book Insurance MSME Loan Distribution ➢ Catering Unbanked and Underserved segment AUM Car Loan Micro LAP Distribution ₹366 bn* ➢ Self Employed & Salaried customers ➢ Semi-Urban & Rural presence-Tier 2/3/4 cities Retail Construction Housing Finance Loan ➢ Advanced in house developed tech and data science capabilities Gold Loan ➢ Completely in-house data driven collections process Note: * as on 31stMarch 2026 5 Witnessing a Decadal Journey of Consistent Growth and Strategic Evolution Platform has evolved through multiple business launches while strengthening its technology and operating backbone CAPRI 1.0: Establishing the bedrock for multifold growth CAPRI 2.0: Cementing leadership through tech (₹ mn) Demonetisation NBFC Crisis Covid 3,66,237 CAGR 52.96% A U3,M50,000 3,00,000 Branches 2,28,602 2,50,000 2,00,000 1,56,540 1,50,000 1,00,000 50,000 Inception 4 38 87 90 117 736 935 1,111 1,429 FY Ending 2011 2013 2017 2020 2021 2022 2023 2024 2025 2026 Execution track record -launched, built and scaled 4 new businesses in last 5 years Business Develop- Credit Rating – Construction MSME Housing Co-Lending Gold Insurance Micro LAP Fitch (BB-), ments Finance Loans Finance Car Loan Distribution Loans Distribution Moody’s (Ba3) Key Capital ₹ 4.5 bn ₹ 14.4 bn ₹ 20.0 bn Raising Event QIP Rights Issue QIP Key Foundation & Institutionalization Platform Scale & AI Enablement AI Native & Cognitive Era Technology Tech blueprint established and tech team Swarnim LOS, Oracle Flexcube LMS; Orion LOS, Spark sales AI integrated across lifecycle –customer, Develop- onboarded app, Pegasus collection app credit and collections ments Becoming Fast-Growing NBFC Platform with Strong Fundamentals Scale, profitability, asset-quality discipline and capital strength create a solid foundation for the next phase of growth ₹366,237mn ₹71,212 mn 13,775 Net worth (FY26) Employees Growth at Scale 60% YoY 1,429 20 States & UTs 680K+ Branches Geographical spread Customers Pan-India Distribution 35 | 11 ₹241,121 Mn 3.3x | 25.9%(1) Lenders | Co-lending Borrowings D/E | CRAR^ Efficient Liability Franchise partners 41.2% 0.9% / 0.5% 0.7% Provision coverage for GNPA / NNPA Credit Cost / Avg. assets Healthy Asset Quality Stage 3 9,492 Mn 7.1% / 8.8% 3.6% / 16.5% spreads / NIM RoAA / RoAE Strong Profitability 98% YoY Note: (1) Standalone 7 Product Summary Segment-wise Product Characteristics and Lending Framework CUSTOMER PROFILE Gold Loan SECURITY LTV Yield ATS¹ ₹mn Tenor Individuals incl. small business owners, salaried, Loan against Gold Jewellery Pledge of Gold Ornaments ~66.29% ~16.82% ~0.17 Up to 3y women, farmers T MSME Loan CUSTOMER PROFILE C SECURITY LTV Yield ATS¹ ₹mn Tenor U Loan against property (LAP) & Small manufacturing units, traders & other First & exclusive charge on property ~50.40% ~17.34% ~1.18 Up to 15y D Micro-LAP businesses in Tier 2/3 cities N Construction Finance SECURITY I Cover Yield ATS¹ ₹mn Tenor CUSTOMER PROFILE D Affordable & budget Construction-linked disbursements & N >1.5x ~17.80% ~202.42 Up to 7y Small & mid-sized real estate developers residential projects escrow-based repayments SECURITY CUSTOMER PROFILE LTV Yield ATS¹ ₹mn Tenor Housing Finance (CGHFL) First & exclusive charge on mortgage Small manufacturing units, traders & other ~57.13% ~13.11% ~1.61 Up to 25y property businesses in Tier 2/3 cities Car Loan Distribution MODEL NATURE CUSTOMER PROFILE S New vehicle financing Fee-based distribution (off-book) Distribution / fee income Urban middle class Insurance Distribution E MODEL NATURE CUSTOMER PROFILE E Distribution of insurance F Fee-based distribution (off-book) Distribution / fee income Mid-income group; cross-sold to lending customers products ¹ ATS at the balance sheet date on Non-GAAP basis *All d [Showing first 8,000 characters — download PDF for full document]