Transcript of the earnings conference call for the quarter ended June 30, 2026

August 04, 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: Transcript of the earnings conference call for the quarter ended June 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 July 21, 2026, July 23, 2026 and July 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 ended June 30, 2026, held on Wednesday, July 29, 2026, which concluded at 05:00 P.M.(IST). The said intimation was received by the Company on August 04, 2026 at 04:00 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%20-1/Capri-Global- Capital-Q1-FY27-Concall-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 Q1 FY27 Earnings Conference Call July 29, 2026 MANAGEMENT MR. RAJESH SHARMA – MANAGING DIRECTOR MS, DIVYA SUTAR, PRESIDENT & EXECUTIVE DIRECTOR - STRATEGY MR. KISHORE LODHA, CHIEF FINANCIAL OFFICER MR. SANJEEV SRIVASTAVA, CHIEF RISK OFFICER MR. HARDIK DOSHI – HEAD, CORPORATE FINANCE & INVESTOR RELATIONS Indian Numbering System Legend ₹ 10 Lakhs = ₹ 1Mn ₹ 1 Crore = ₹ 10Mn ₹ 100 Crores = ₹ 1Bn ₹ 1 Lakh Crore = ₹ 1Tn Page 1 of 17 Capri Global Capital Limited Q1 FY27 Concall Transcript | July 29, 2026 Moderator: Ladies and gentlemen, good day, and welcome to the Capri Global Capital Limited Q1 FY27 Earnings Conference Call. As a reminder, all participant lines will be in the listen- only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during this conference call, please signal an operator by pressing star then zero on your touch-tone phone. Please note that this conference is being recorded. I now hand the conference over to Mr. Hardik Doshi, Head Corporate Finance and Investor Relations. Thank you, and over to you, sir. Hardik Doshi: Thank you. Good afternoon, everyone, and a warm welcome to Q1 FY27 Earnings Call for Capri Global Capital Limited. This is Hardik Doshi, Head 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 the results declared and information on business opportunities available to company at this time. The company's performance is subject to risks, 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 the Capri Global Capital present on the call today. With us, we have Mr. Rajesh Sharma, Managing Director and Promoter; Ms. Divya Sutar, President & 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, Hardik. Good afternoon, everyone. I hope you are doing well. We announced our unaudited financial results for the first quarter of FY27 on 27 July. I trust you have had the opportunity to go through our earnings 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. Uncertain global geopolitical situation, energy security, oil & gold price volatility, rupee depreciation and volatile capital markets led to overall macro environment being soft for the quarter. Page 2 of 17 Capri Global Capital Limited Q1 FY27 Concall Transcript | July 29, 2026 However, Indian economy continues to be resilient and better placed amongst global economies supported by its relatively higher GDP growth expectation, strong consumption-driven demand, large employable workforce and faster adoption to rapidly evolving technology landscape. Amidst the soft macro environment, I'm pleased to share that Capri Global has delivered yet another quarter of robust growth and profitability while safeguarding its asset quality. One of the major developments on the technology front is that we have now collaborated with OpenAI to bring enterprise-grade generative AI across key business functions to transform the way we serve our customers, empower employees and build an AI-native lending institution. Some of the other developments during the quarter were establishing our first GMTN program for USD1 billion global medium-term note, which will enable diversified borrowing mix, going forward. Besides, to strengthen our brand presence and to support our expansion plan in South India, we have now collaborated with renowned actor Nayanthara as our brand ambassador. With this backdrop, I'm glad to share that Capri Global continued its track record of delivering strong performance quarter-on-quarter in Q1 FY27 with robust growth while achieving highest ever quarterly profit after tax of INR353 crores, a 102% increase year- on-year basis. Let me now come to retail business and earnings performance for the quarter. We continued our strong momentum across all our lending businesses in Q1 FY27. Our consolidated AUM stood at INR40,112 crores, reflecting a robust 62% year-on-year and 10% quarter- on-quarter growth. Gold loans grew an impressive 111% year-on-year and MSME grew a healthy 24% year- on-year, while housing loans rose 42% year-on-year. Disbursements for the quarter rose 31% year-on-year to INR11,114 crores on account of growing customer base and widening distribution networks. Our growth remains granular, diversified, and retail led with our customer base now exceeding 7.6 lakhs. For our gold loan business, we delivered a strong and well-balanced performance in line with our strategic objective of growth driven by geographic expansion and branch productivity while maintaining focus on effective risk management. Gold loan AUM saw robust growth to INR19,179 crores, a sequential increase of 13% quarter-on-quarter. Despite correction in gold prices, such a growth was primarily led by healthy customer demand and improving branch productivity. Collateral weight in custody increased from 19 tons to 20.2 tons, an increase of 6% quarter-on-quarter and number of active customers increased by 11% quarter-on-quarter. Page 3 of 17 Capri Global Capital Limited Q1 FY27 Concall Transcript | July 29, 2026 Following the addition of 89 branches in Q4 and 196 branches in FY26, our gold loan branch network during the quarter stood steadily at 1,000 branches, allowing those branches to mature and contribute to productivity. Our aggregate branch productivity continued to see a strong gain and has increased [Showing first 8,000 characters — download PDF for full document]