Analysts/Institutional Investor Meet/Con. Call Updates

November 03, 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) Limited Unit-1201, 12th Floor, Towers, Dalal Street, Limited 1st Floor, Unit No. 101, Brigade International Fort, Mumbai 400 001 Exchange Plaza, 5th The Signature, Building Financial Centre, Scrip Code: 531595 Floor, Plot No.- ‘C’ no. 13B, Road 1C, Zone Block- 14, Road 1C, Block, G Block Bandra- 1, GIFT SEZ, GIFT City, Zone 1, GIFT SEZ, GIFT Kurla Complex, Bandra Gandhinagar, Gujarat – City, Gandhinagar, (East), Mumbai – 382355 Gujarat – 382355 400 051 Scrip Code: CGCL Sub: Transcript of the earnings conference call for the quarter and half year ended September 30, 2026 – Regulation 30 and 46 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“SEBI Listing Regulations”) Dear Sir /Madam, In terms of Regulations 30 and 46 read with clause 15 of Para A of Part A of Schedule III of the SEBI Listing Regulations and further to our letter dated October 23, 2026 and October 29, 2026 and other applicable provisions of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“SEBI Listing Regulations”), please find enclosed herewith the transcript of Earnings Conference Call for the quarter and half year ended September 30, 2026, held on Thursday, October 29, 2026, which concluded at 05:07 P.M.(IST). The said intimation was received by the Company on November 03, 2026 at 07:36 P.M. (IST). Further, please note that this intimation is also available on the website of the Company at https://www.capriloans.in/cms/concall-transcript/FY%202026%20-%202027/Quarter%20-2/Q2-FY27- Earnings-Call-Transcript.pdf The above is for your information and dissemination to all the stakeholders Thanking you, Yours faithfully, for Capri Global Capital Limited Yashesh Bhatt Company Secretary & Compliance Officer Membership No.: ACS 20491 Encl.: As above “Capri Global Capital Limited Q2 & H1 FY '27 Earnings Conference Call” October 29, 2026 MANAGEMENT: MR. RAJESH SHARMA – MANAGING DIRECTOR AND PROMOTER, CAPRI GLOBAL CAPITAL LIMITED MS. DIVYA SUTAR – PRESIDENT & EXECUTIVE DIRECTOR - BUSINESS STRATEGY, CAPRI GLOBAL CAPITAL LIMITED MR. KISHORE LODHA – CHIEF FINANCIAL OFFICER, CAPRI GLOBAL CAPITAL LIMITED MR. SANJEEV SRIVASTAVA, CHIEF RISK OFFICER, CAPRI GLOBAL CAPITAL LIMITED MS. SHWETA DAPTARDAR – SENIOR VICE PRESIDENT, CORPORATE FINANCE AND INVESTOR RELATIONS, CAPRI GLOBAL CAPITAL LIMITED Page 1 of 20 Capri Global Capital Limited October 29, 2026 Moderator: Ladies and gentlemen, good day and welcome to Capri Global Capital Limited Q2 and H1-FY '27 Earnings Conference Call. As a reminder, all participant lines will be in a listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing “*” then “0” on your touchtone phone. Please note, this conference is being recorded. I now hand the conference over to Ms. Shweta. Thank you and over to you, ma'am. Shweta Daptardar: Thank you. Good evening, everyone, and a warm welcome to Q2 and H1 FY '27 Earnings Conference Call for Capri Global Capital Limited. This is Shweta – Senior Vice President, Corporate Finance and Investor Relations. Before we begin, let me read out a brief disclaimer for today's call: The discussion around today's call regarding Capri Global Capital Limited's earnings performance is based on judgments derived from results declared and information on business opportunities available to company at this time. The company's performance is subject to risk, uncertainties, and assumptions that could cause results to differ in future. In that context, participants on today's call are advised to consider the same while interpreting the results. The complete disclosure is available on Slide 65 of the earnings presentation. Participants are requested to kindly take the note of the same. Format of today's call will be opening remarks by the management team, followed by Q&A. Let me now introduce the management team from Capri Global Capital present on the call today. With us we have Mr. Rajesh Sharma, Managing Director and Promoter; Ms. Divya Sutar, President and Executive Director, Business Strategy; Mr. Kishore Lodha, Chief Financial Officer; and Mr. Sanjeev Srivastava, Chief Risk Officer. I would now request our Managing Director – Mr. Rajesh Sharma, to present his opening remarks on the results. Over to you, sir. Rajesh Sharma: Thank you. Good evening, everyone. I hope you all are doing well. We announced our financial results for the 2nd quarter of FY '27 on 27th October. I trust you have had the opportunity to go through the earning presentation, which is also available on our website. Before I move on to the financial and operational highlights, I would like to touch upon the broader operating environment and key developments during the quarter: Global energy shock, aggressive monetary tightening, and surging domestic inflation are the critical macroeconomic headwinds that led to overall environment being soft for the quarter. Page 2 of 20 Capri Global Capital Limited October 29, 2026 Amidst this soft macro environment, Capri Global delivered strong growth and profitability in Q2 FY '27, successfully navigating challenging macros marked by rising funding costs, global monetary tightening, and a 25 basis RBI repo rate hike. Yet I am delighted to share that Capri Global raised $300 million through its GMTN program during H1 FY '27 via a maiden U.S. dollar senior secured bond issue. As part of liability diversification journey, we further raised Rs. 500 crores via commercial papers in addition to Rs. 1,271 crores raised in Q1 FY '27 through a combination of NCD and CP. We continue to diversify our funding structure to capture global growth opportunities, optimize capital efficiency, and hedge against rising domestic interest rates. Moreover, as part of our branch network expansion journey, we added 176 branches for the quarter gone by, with continued focus on expanding digital journeys embedding AI into customer and collection operations, and strengthening the platform that supports the lending cycles. Last quarter, we demonstrated our capacity to scale AI. This quarter, the scale has translated into measurable customer adoption and structural cost efficiencies. Besides establishing firmly our footprint in South with 2 brand campaigns starring acclaimed actor and entrepreneur Nayanthara as our brand ambassador, helped us in campaign reach 141 million plus positive visibility impact of 93.8% and Gold Loan surge growth of 173% plus. Our ESG rating continues to soar higher as we achieved a CRISIL ESG score of 72, placing it in the leadership category. With this backdrop, I am pleased to say that Capri Global delivers strong quarterly performance in Q2 FY '27, continuing its growth momentum and maintaining asset quality while delivering highest ever quarterly profit of Rs. 418 crores, a 77% increase year-on-year, and H1 FY '27 profit of Rs. 772 crores, almost double from the last year. The cost-to-income ratio improved to 42.6% from 48.1% in H1 FY '27 reflecting stronger operating leverage. H1 FY '27 ROE stood at 20.4%, reinforcing the company's progress on sustainable profitability. Now coming to our detailed business and earning performance during this quarter: We continued our strong momentum across all our lending businesses in Q2 FY '27. Our consolidated AUM stood at Rs. 43,878 crores, reflecting a robust 62% year-on-year growth and 9% quarter-on-quarter growth. Gold loan grew an impressive 102% year-on-year, and MSME grew at healthy 25% year-on-year. While housing loans rose 39% year-on-year, disbursements for the quarter rose 49% year-on-year to Rs. 13,309 crores on account of growing customer base and widening distrib [Showing first 8,000 characters — download PDF for full document]