Investor Presentation

July 27, 2026 The Secretary The Secretary BSE Limited National Stock Exchange of India Limited Pheeroze Jeejeebhoy Towers Exchange Plaza, 5th Floor Dalal Street, Fort Plot No- 'C' Block, G Block Mumbai - 400 001 Bandra-Kurla Complex, Bandra (East) Scrip Code: 531595 Mumbai – 400 051 Scrip Code: CGCL Sub: Investor Presentation on quarter ended June 30, 2026 Dear Sir / Madam, Pursuant to Regulation 30 and any other applicable provisions of SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015 and further to our letter dated July 23, 2026, intimating Earning Conference Call scheduled on July 29, 2026, we are attaching herewith the presentation titled “Q1 FY27 Earnings Presentation”. The said intimations was received by the Company on July 27, 2026, at 08:57 P.M. (IST). This intimation is also being uploaded on the Company’s website at www.capriloans.in. 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 Q1FY27 Earnings Presentation 27th July 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) Q1FY27 Q1FY26 YoY Q4FY26 QoQ AUM 401,116 247,538 366,233 10% Net Interest Income 7,364 4,125 79% 5,956 24% Non Interest Income 2,169 1,692 2,467 (12)% Operating Expenses 4,212 2,702 56% 4,160 1% Operating Profit 5,321 3,115 4,263 25% 102% PAT 3,534 1,749 2,828 25% Cost-Income Ratio (%) 44.2% 46.5% (227) bps 49.4% (521) bps NNPA (%) 0.6% 1.0% (39) bps 0.5% 6 bps RoAE (%) 19.1% 13.0% 612 bps 16.0% 313 bps RoAA (%) 4.1% 3.2% 91 bps 3.8% 31 bps Business Updates Business Update Consolidated AUM up 62% YoY AUM Break Up (₹ mn) Composition of AUM (%) 0.6% 0.3% 0.4% 0.1% 0.0% 401,116 366,233 18.3% 18.4% 16.8% 15.6% 15.8% 63,316 304,065 20.3% 19.5% 21.3% 57,081 22.2% 22.1% 270,401 1,222 247,538 78,153 51,090 74,469 1,600 49,690 45,206 64,900 36.8% 38.5% 42.1% 46.3% 47.8% 59,723 54,903 191,786 169,646 127,992 104,065 91,049 22.1% 20.7% 19.4% 17.7% 16.9% 54,779 56,019 58,862 64,859 67,791 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 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 5 Retail AUM Leveraging co-lending & DA for capital efficient growth Co-Lending/DA AUM (₹ mn) Gold AUM (₹ mn) 18.9% 21.0% 23.5% 21.3% 20.3% 191,786 169,646 CLM AUM/Cons.AUM 81,263 127,992 71,383 77,831 56,487 56,772 9,296 9,580 10,749 91,049 104,065 53,685 46,808 8,247 50,179 7,547 50,179 53,685 56,487 28,942 37,601 135,299 37,601 115,961 28,942 62,107 66,464 77,813 10,319 10,923 11,908 14,566 14,026 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 MSME-CLM Gold CLM Housing CLM Gold Gold-CLM MSME AUM (₹ mn) Housing AUM (₹ mn) 78,153 67,791 74,469 64,859 58,862 64,900 54,779 56,019 59,723 9,580 10,749 14,026 54,903 14,566 11,908 9,296 10,319 10,923 8,247 7,547 64,889 67,404 44,460 45,096 46,954 50,293 53,765 47,356 51,476 55,604 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 MSME MSME-CLM Housing Housing-CLM Co-lending includes Direct Assignment; CLM: Co-Lending 6 Gold Loan Business Update Strong customer acquisition 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 20.2 146 917,892 19.0 138 139 714,459 17.2 658,030 16.0 16.4 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Geographical Distribution Loan to Value AUM/Branch (AUM - Wise) (%) (Incremental Disbursals) (₹ Mn) 71.7% 72.0% 72.0% 170 4% 6% 20% Rajasthan 69.9% 70.5% 141 7% Uttar Pradesh 124 Madhya Pradesh 8% Gujarat Punjab & Haryana Maharashtra Delhi-NCR Uttarakhand Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 12% Others MSME Business Update Well-diversified granular book across industry Average Ticket Size (Incr. Sanctions) (₹ mn)* Live Accounts 57,058 54,849 49,017 1.3 45,505 1.2 43,568 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Loan to Value (%) (Incremental Disbursals) Geographical Distribution (AUM-Wise) 3%2% 3% Rajasthan 53.0% 5% 52.0% 51.6% Madhya Pradesh 50.7% 4% 50.1% 38% Gujarat Salaried 3% Delhi-NCR Self- Andhra Pradesh 97% employed Telangana Maharashtra Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 22% Uttar Pradesh Note: MSME Business Update includes MSME, Micro LAP & Solar; *ATS calculated as sanction amount by number of accounts sanctioned 8 Housing Finance Business Update Expanding customer base with a diversified and a self-employed led portfolio Average Ticket Size (Incr. Disbursals) (₹ mn) Live Accounts 47,588 2.4 42,399 46,093 40,188 2.2 38,244 2.1 2.1 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Loan to Value (%) (Incremental Disbursals) Geographical Distribution (AUM-Wise) 3% 4% Madhya Pradesh 56.7% 3% 56.1% 6% Rajasthan 53.8% 53.2% 52.6% Delhi-NCR 8% Gujarat Salaried 25% Maharashtra Self- Uttar Pradesh employed 13% Telangana Karnataka 19% Others Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Note: Housing Finance represents CGHFL entity 9 Construction Finance Business Update Strong pipeline of new accounts; AUM growth of 40% YoY Average Ticket Size (₹ mn) Live Accounts Outstanding Sanction 521.0 286 291 481.5 413.9 408.1 365.5 282 202.4 212.7 161.4 173.0 182.0 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Geographical Distribution (AUM-Wise) 7% 1% Mumbai Maharashtra Gujarat Karnataka Delhi-NCR 10% Telangana TamilNadu 12% 21% Andhra Pradesh Insurance Distribution - Asset Light Income Stream Strategic Partnerships with 22 Insurance Companies Policies | Key Statistics Gold 26% 10 8 4 Cross Sell 31% Housing 36% ₹ 652 ₹ 652 mn mn MSME 32% Direct 69% Life Insurance General Insurance Health Insurance Others 6% Companies Companies Companies • Life Insurance • Property Cover • Retail & Group Health & 63% 2,732 • Credit Life • Private Car & 2- Health Wellness Total Cover Wheeler • Hospi Daily Cash ₹ 652 Life 26% 1,289 Premium • Term Plan • CI & PA* mn (Rs mn) • EMI Protect General 11% FY25 FY26 *CI: Critical Illness; PA: Personal Accident *By premium (Q1FY27) 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 journey ✓ tier II, III, IV cities and rural area ✓ Dedicated claims desk - pre & post service Suitable product offerings WhatsApp links with 2-click buying Insurance Ki Pathashalla – insurance product and process ✓ journey education initiative Car Loan Origination Pan-India presence Partner Banks & Financial Institutions Pan-India coverage through presence 15 in 821 locations in 30 States & UTs 62 39 02 27 01 69 29 05 16 57 24 Total Locations (Branches + Feet-on-Street) Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 821 821 821 821 821 Car Loan Origination 43% YoY increase in the value of loan originations for the quarter Consistently Rising Loan Originations (₹ mn)^ Loan Originations (₹ mn) and Volume Full Year Basis (Nos.)^ 32,898 34,918 32,829 Originations Volume 28,304 119,097 105,519 110,316 22,978 97,415 94,636 100,744 56,939 51,384 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 FY23 FY24 FY25 FY26 Loan Originations By Volume (Nos.)^ Average Ticket Size (₹ mn) *^ 30,301 29,910 27,443 25,514 24,591 1.15 1.17 1.20 1.09 0.90 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY2 [Showing first 8,000 characters — download PDF for full document]