General Updates

Date: November 04, 2026 To, To, The Manager, The Manager, Bombay Stock Exchange Limited, National Stock Exchange of India Limited, Corporate Relationship Department, Exchange Plaza, C/1, Block G, Phirozee Jeejeebhay Tower, Bandra Kurla Complex, Dalal Street, Fort, Bandra (East), Mumbai-400 001 Mumbai-400 051, BSE Scrip Code: 533260 NSE Symbol: CPCAP Sub: Q2 FY 2026-27 Investor Update Respected Sir/Madam, Pursuant to Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed the Q2 FY 2026-27 Investor Update on the Un-Audited financial results (Standalone & Consolidated) for the quarter and half year ended September 30, 2026. This disclosure will also be hosted on the Company's website https://cpcapital.in/ Thanking you, For CP Capital Limited (Formerly known as Career Point Limited) (CS Manmohan Pareek) Company Secretary & Compliance Officer (ACS34858) Enclosed: 1. Q2 FY 2026-27 Investor Update CP Capital Limited (Formerly known as Career Point Limited) Registered office: Village Tangori, Banur, Mohali, Punjab 140601 Corporate Office: CP Tower-1, Road No-1, IPIA, Kota, Rajasthan-324005 Phone:, +91 744 3559282; Website: www.cpcapital.in, E-mail: investors@cpil.in CIN: L64990PB2000PLC054497 IN VE STOR PR ESE N TATIO N Q2 & H1 FY27 Investor Update Empowering Enterprises, Reaching Bharat Contents Highlights Q2 and H1 FY27 results and key performance indicators Products and Portfolio Our lending products and how the loan book is split Digital Lending The new digital lending vertical in its first week Growth Strategy How a digital-first model funds India’s growth Financial Performance Profit and loss and balance sheet, standalone and consolidated Highlights: Q2 PAT up 175% YoY on 131% revenue growth On Standalone basis, quarter and half year ended 30 September 2026 Revenue from operations Total revenue EBITDA Profit after tax (PAT) Q2 FY27 Q2 FY27 Q2 FY27 Q2 FY27 ₹34.97 ₹35.29 ₹33.09 ₹22.56 Cr Cr Cr Cr +131.4% YoY +80.5% QoQ +128.6% YoY +82.0% QoQ +140.8% YoY +83.6% QoQ +175.2% YoY +96.5% QoQ H1 FY27 H1 FY27 H1 FY27 H1 FY27 ₹54.35 ₹54.68 ₹51.12 ₹34.04 Cr Cr Cr Cr +78.7% YoY +77.9% YoY +96.4% YoY +111.9% YoY H1 FY26: ₹30.41 Cr H1 FY26: ₹30.74 Cr H1 FY26: ₹26.03 Cr H1 FY26: ₹16.07 Cr Operating EBITDA margin EBITDA margin PAT margin M A RGI N S 93.7% 93.5% 93.8% 93.5% 63.9% 62.3% Q2 H1 Q2 H1 Q2 H1 YoY: Q2 +4.9 pts | H1 +8.9 pts YoY: Q2 +4.8 pts | H1 +8.8 pts YoY: Q2 +10.8 pts | H1 +10.0 pts Operating EBITDA margin is on revenue from operations; EBITDA and PAT margins are on total revenue. Q2 FY26 and H1 FY26 are the periods ended 30 September 2025. H1 FY27 at a glance: Key performance indicators Low debt, healthy liquidity and steady returns Gross loan book Cash & Bank balance Net worth Debt-equity ratio ₹266.41 Cr ₹162.1 Cr ₹582.2 Cr 0.22x As on 30 September 2026 As on 30 September 2026 As on 30 September 2026 As on 30 September 2026 ROA ROE Gross NPA Net NPA 4.95% 6.02% 13.47% 10.81% For H1 only, not annualized For H1 only, not annualized All numbers are based on Standalone Financials Our product range: secured, unsecured and now digital lending Property-backed term loans, unsecured MSME and Trade Finance, and personal loans for salaried Middle India SECURED UNSECURED New in Q2 FY27 Loan Against Property Unsecured Business Trade finance Digital Lending Loan Term loans against Working-capital loans for Trade finance for Short-tenure digital residential or commercial MSMEs and small participants in agricultural personal loans for salaried property, for business businesses. mandis (wholesale markets), Middle India, sized to each owners and self-employed mostly repaid in bullets. borrower’s need. borrowers. Portfolio mix: Lending across four products Product-wise split of the gross loan book Share of gross loan book Product ₹ Cr Share No. of loans Digital Lending Trade Finance Loan Against Property 191.4 71.9% 117 Unsecured Unsecured Business Loan 57.6 21.6% 42 Business Loan Trade Finance 13.7 5.1% 4 Digital Lending 3.7 1.4% 1,537 Loan Against Property Total 266.4 100% 1,700 New Initiative: Digital lending for Digital Bharat Launched on 24 September 2026; figures are for the first seven days of operations, up to quarter-end Launch week at a glance (24 Sept 2026 – 30 Sept 2026) How it works Multi-channel sourcing ₹3.75 Cr 1,570 Website, LSP partners and various digital and affiliate disbursed in 7 days loans partners Data-led underwriting ₹23,884 28.9 days Each borrower is assessed on the data we hold on them average loan average tenure Mass-customised offers 330 cities 1,059 pincodes Each loan is sized to the borrower’s need and income 1,059 pincodes in 23 states and UTs Scaling quickly 100% on our own book No co-lending; we keep full control of credit decisions of loans to borrowers earning ₹3–11 of loans from Tier 2 and 3 cities¹ lakh a year Portfolio mix: secured LAP is 72% of the ₹266 Cr loan book Digital Lending is 1.4% of the book but 90% of loans by count, seven days after launch Share of gross loan book, by product Product ₹ Cr Share No. of loans Loan Against Property 71.9% Loan Against Property 191.4 71.9% 117 Unsecured Business Loan 57.6 21.6% 42 Unsecured Business Loan 21.6% Trade Finance 13.7 5.1% 4 Trade Finance 5.1% Digital Lending 3.7 1.4% 1,537 Digital Lending 1.4% Total 266.3 100% 1,700 Growth strategy: a digital-first NBFC funding India’s growth India’s digital credit rails let us reach more borrowers without building a branch network WHY NOW WHY WE EXIST HOW WE WILL GROW India’s credit now runs on Growth capital for the Digital-first, from application digital rails to collection people building India 500M+ Fully digital Every loan applied for, underwritten, We lend to entrepreneurs, MSMEs and disbursed and repaid online salaried Middle India so they can consents fulfilled on the Account expand, hire and invest. Aggregator data-sharing network1 Asset light No branch network to build; growth scales with technology India’s digital finance infrastructure “Behind every number is a small like GST and Udyam registration are Right hands bringing MSMEs into formal credit business given credit it needed.” Underwriting on bank, bureau and with records lenders can verify2 Pramod Maheshwari, GST data etc, beyond the CIBIL score Chairman & MD 1. Sahamati, 2 September 2026. 2. CP Capital Annual Report 2025-26. Q2 FY27 & H1 FY27 Profit & Loss Updates (Standalone) Q2 PAT of ₹2,255.66 lakh, up 175% YoY and 96% QoQ, on 131% growth in revenue from operations ₹ lakh, standalone Q2 FY27 Q1 FY27 QoQ Q2 FY26 YoY H1 FY27 H1 FY26 YoY Revenue from operations 3,497.30 1,937.41 80.51% 1,511.44 131.39% 5,434.71 3,041.10 78.71% Total revenue 3,529.39 1,938.76 82.04% 1,544.22 128.55% 5,468.16 3,073.80 77.90% Operating EBITDA 3,277.33 1,801.49 81.92% 1,341.68 144.27% 5,078.83 2,570.67 97.57% Operating EBITDA margin 93.71% 92.98% +0.73 pp 88.77% +4.94 pp 93.45% 84.53% +8.92 pp EBITDA 3,309.43 1,802.84 83.57% 1,374.46 140.78% 5,112.28 2,603.37 96.37% EBITDA margin 93.77% 92.99% +0.78 pp 89.01% +4.76 pp 93.49% 84.70% +8.80 pp Profit after tax 2,255.66 1,148.01 96.48% 819.72 175.18% 3,403.70 1,606.65 111.85% PAT margin 63.91% 59.21% +4.70 pp 53.08% +10.83 pp 62.25% 52.27% +9.98 pp Diluted EPS (₹ per share) 12.40 6.31 96.51% 4.50 175.56% 18.71 8.83 111.89% Operating EBITDA margin is on revenue from operations; EBITDA and PAT margins are on total revenue. QoQ and YoY changes in margins are in percentage points (pp). Q2 FY27 & H1 FY27 Profit & Loss Updates (Consolidated) Q2 PAT of ₹2,544.49 lakh, up 150% YoY and 91% QoQ, on 116% growth in revenue from operations ₹ lakh, consolidated Q2 FY27 Q1 FY27 QoQ Q2 FY26 YoY H1 FY27 H1 FY26 YoY Revenue from operations 3,883.63 2,194.67 76.96% 1,801.68 115.56% 6,078.30 3,743.52 62.37% Total revenue 3,885.17 2,197.53 76.80% 1,806.86 115.02% 6,082.71 3,748.62 62.27% Operating EBITDA 3,625.27 2,043.57 77.40% 1,587.13 128.42% 5,668.85 3,159.49 7 [Showing first 8,000 characters — download PDF for full document]