Investor Presentation

October 28, 2026 The Secretary The Secretary The Secretary The Secretary BSE Limited National Stock India International NSE IFSC Limited Pheeroze Jeejeebhoy Exchange of India Exchange (IFSC) Unit-1201, 12th Towers, Dalal Street, Limited Limited Floor, Fort, Mumbai 400 001 Exchange Plaza, 5th 1st Floor, Unit No. 101, Brigade International Scrip Code: 531595 Floor, Plot No.- ‘C’ The Signature, Building Financial Centre, Block, G Block Bandra- no. 13B, Road 1C, Zone Block- 14, Road 1C, Kurla Complex, Bandra 1, GIFT SEZ, GIFT City, Zone 1, GIFT SEZ, (East), Gandhinagar, Gujarat – GIFT City, Mumbai – 400 051 382355 Gandhinagar, Gujarat Scrip Code: CGCL – 382355 Sub: Investor Presentation for the quarter and half year ended September 30, 2026 Dear Sir / Ma’am, Pursuant to Regulation 30 and any other applicable provisions of SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015 and further to our letter dated October 23, 2026, intimating Earning Conference Call scheduled on October 29, 2026, we are attaching herewith the presentation titled “Q2 & H1 FY27 Earnings Presentation”. The said intimations was received by the Company on October 28, 2026, at 03:49 P.M. (IST). This intimation is also being uploaded on the Company’s website at https://www.capriloans.in/cms/investor- presentation/FY%202026%20-%202027/INVESTOR%20PRESENTATION/Quarter%20-%202/Capri-Global- Capital-Earnings-Presentation-Q2-H1FY27-Final.pdf You are requested to take the same on record for dissemination to the stakeholders. Thanking you, Yours faithfully, for Capri Global Capital Limited Yashesh Bhatt Company Secretary & Compliance Officer Membership No: A20491 Encl.: As Above Q2 & H1FY27 Earnings Presentation 28th October 2026 Table of Content 1 Business Updates 2 Quarterly Financial Performance 3 Annual Financial Performance 4 Strategic Outlook 5 Board & Management 6 ESG 7 Annexure Quarterly Performance Highlights (In ₹ mn unless stated otherwise) Q2FY27 Q2FY26 YoY Q1FY27 QoQ AUM 438,785 270,400 401,116 9% Net Interest Income 8,125 4,795 69% 7,363 10% Non Interest Income 2,730 2,034 2,141 28% Operating Expenses 4,492 3,377 33% 4,184 7% Operating Profit 6,363 3,453 5,321 20% PAT 4,183 2,360 3,534 18% Cost-Income Ratio (%) 41.4% 49.4% (807) bps 44.0% (264) bps NNPA (%) 0.8% 0.7% 9 bps 0.6% 22 bps RoAE (%) 21.6% 14.4% 716 bps 19.1% 242 bps RoAA (%) 4.4% 4.0% 41 bps 4.1% 29 bps Performance Highlights (In ₹ mn unless stated otherwise) H1FY27 H1FY26 YoY AUM 438,785 270,400 Net Interest Income 15,488 8,920 Non Interest Income 4,871 3,727 Operating Expenses 8,675 6,079 43% Operating Profit 11,683 6,567 PAT 7,717 4,109 Cost-Income Ratio (%) 42.6% 48.1% (546) bps NNPA (%) 0.8% 0.7% 9 bps RoAE (%) 20.4% 15.0%* 539 bps RoAA (%) 4.2% 3.6%* 61 bps * Post capital infusion of ₹20 bn 4 Business Updates Business Update Comprehensive growth across all business segments driving overall AUM expansion AUM Break Up (₹ mn) Composition of AUM (%) 0.3% 0.4% 0.1% 0.0% 0.1% 438,785 401,116 18.4% 16.8% 15.6% 15.8% 17.1% 366,233 304,065 178 75,028 21.3% 20.3% 19.5% 19.0% 22.1% 63,316 270,401 57,081 1,222 83,253 78,153 51,090 74,469 49,690 38.5% 42.1% 46.3% 47.8% 47.9% 64,900 59,723 2,10,038 1,91,786 1,69,646 1,27,992 1,04,065 20.7% 19.4% 17.7% 16.9% 16.0% 56,019 58,862 64,859 67,791 70,155 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 MSME Gold Housing CF Others MSME Gold Housing CF Others • MSME, Gold, and Housing AUM values are inclusive of co-lending and Directly Assigned AUM. Refer next slide for further details. Note: MSME AUM includes MSME, Solar & Micro LAP 6 Retail AUM Leveraging co-lending & DA for capital efficient growth Co-Lending/DA AUM (₹ mn) Gold AUM (₹ mn) 21.0% 23.5% 21.3% 20.3% 20.7% 210,038 191,786 169,646 CLM AUM/Cons.AUM 90,834 81,263 63,051 71,383 77,831 12,831 127,992 56,487 56,772 9,296 9,580 10,749 104,065 53,685 8,247 50,179 53,685 56,487 63,051 37,601 50,179 1,35,299 1,46,987 37,601 1,15,961 66,464 77,813 10,923 11,908 14,566 14,026 14,951 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 MSME-CLM Gold CLM Housing CLM Gold Gold-CLM MSME AUM (₹ mn) Housing AUM (₹ mn) 83,253 78,153 67,791 70,155 74,469 58,862 64,859 64,900 12,831 56,019 14,026 14,951 59,723 9,580 10,749 14,566 11,908 9,296 10,923 8,247 45,096 46,954 50,293 53,765 55,204 51,476 55,604 64,889 67,404 70,422 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 MSME MSME-CLM Housing Housing-CLM Co-lending includes Direct Assignment; CLM: Co-Lending 7 Gold Loan Business Update Steady branch expansion and strong disbursal momentum driving portfolio growth Average Ticket Size Collateral Weight in Custody Live Accounts (On Portfolio) (₹ ‘000s) (in Tonnes) 167 1,018,080 1,001,740 9,83,071 20.2 917,892 19.0 18.2 146 139 714,459 17.2 16.4 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Geographical Distribution Loan to Value AUM/Branch (AUM - Wise) (%) (Incremental Disbursals) (₹ Mn) 74.3% 182 7% Rajasthan 170 4% 20% 72.0% 72.0% Uttar Pradesh 70.5% 69.9% 124 Madhya Pradesh 8% Gujarat Punjab & Haryana Maharashtra Delhi-NCR Uttarakhand Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 12% Others MSME Business Update Well-diversified granular book across geographies Average Ticket Size (Incr. Sanctions) (₹ mn)* Live Accounts 1.6 1.7 57,058 59,205 54,849 49,017 1.2 45,505 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Loan to Value (%) (Incremental Disbursals) Geographical Distribution (AUM-Wise) 3% 2% 1% Rajasthan 53.5% 4% 53.0% Gujarat 52.0% 51.6% 5% Madhya Pradesh 50.1% Andhra Pradesh Salaried 4% Delhi-NCR Self- employed Uttar Pradesh Telangana Maharashtra Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 21% Others Note: MSME Business Update includes MSME, Micro LAP & Solar; *ATS calculated as sanction amount by number of accounts sanctioned 9 Housing Finance Business Update Expanding customer base with a diversified and a self-employed focused portfolio Average Ticket Size (Incr. Disbursals) (₹ mn) Live Accounts 2.4 49,843 2.3 42,399 46,093 47,588 2.2 40,188 2.1 2.1 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Loan to Value (%) (Incremental Disbursals) Geographical Distribution (AUM-Wise) 4% 3% Rajasthan 56.1% 55.7% 4% 22% Madhya Pradesh 53.8% 53.2% 52.6% Delhi-NCR Gujarat 9% Salaried 24% Maharashtra Self- Uttar Pradesh employed Karnataka 13% 21% Telangana Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 18% Others Note: Housing Finance represents CGHFL entity 10 Construction Finance Business Update Robust pipeline of new accounts continues to accelerate AUM expansion Average Ticket Size (₹ mn) Live Accounts Outstanding Sanction 304 521.0 481.5 476.0 286 291 408.1 365.5 282 246.7 202.4 212.7 173.0 182.0 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Geographical Distribution (AUM-Wise) 8% 2% Mumbai Gujarat Delhi-NCR Karnataka Telangana Maharashtra TamilNadu 16% Others Insurance Distribution - Asset Light Income Stream Strategic Partnerships with 23 Insurance Companies Policies | Key Statistics Gold 26% 9 10 4 Cross Sell 35% ₹ 782 ₹ 782 Housing 36% mn mn MSME 32% Direct 65% Life Insurance General Insurance Health Insurance Others 6% Companies Companies Companies • Life Insurance • Property Cover • Retail & Group Health & • Credit Life • Private Car & 2- Health Wellness Total 1,434 Cover Wheeler • Hospi Daily Cash ₹ 782 Life 24% 1,004 Premium • Term Plan • CI & PA* (Rs mn) • EMI Protect General 20% H1FY26 H1FY27 *CI: Critical Illness; PA: Personal Accident *By premium (Q2FY27) Digital Innovation & Service Excellence Customer Sourcing and On-Boarding ✓ Real Time Policy Issuance through digital consent Insurance Product offering to Loan customers as embedded product Policy Buy & Compare portal for sales team with multiple product offering Cross-Selling of Health and Motor Insurance for penetration in ✓ Digital customer on-boarding jour [Showing first 8,000 characters — download PDF for full document]