Investor Presentation

August 07, 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: Corporate Presentation - August 2026 Dear Sir / Madam, Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed the presentation titled “CGCL – Corporate Presentation August 2026”. Further, in compliance with Regulation 46(2)(o) of the Listing Regulations, the enclosed presentation titled “Corporate Presentation”, proposed to be used during the upcoming investor meetings/calls, is also being uploaded on the Company’s website at www.capriloans.in. We confirm that no unpublished price sensitive information will be shared during such meetings/calls. Date of occurrence of event/information: August 07, 2026 Time of occurrence: 11:08 AM You are requested to take the above information on record and acknowledge compliance under the applicable provisions of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Thanking you, Yours faithfully, for Capri Global Capital Limited Yashesh Bhatt Company Secretary & Compliance Officer Membership No: A20491 Encl.: As Above Capri Global Capital Corporate Presentation August 2026 Table of Content 1 Positioning Highlights 2 Key Strategies 3 Annual Financial Performance 4 Quarterly Financial Performance 5 ESG 6 Annexure Capri Global Capital – Company Overview Key Highlights Product Offerings ➢Retail focused & Granular Portfolio ➢Fully Secured & Diversified Loan book Insurance MSME Loan Distribution ➢Catering Unbanked and Underserved segment Car Loan Micro LAP AUM Distribution ➢Self Employed & Salaried customers ₹ 401 bn ➢Semi-Urban & Rural presence- Tier 2/3/4 cities Retail Housing Construction Loan Finance ➢Advanced in house developed tech and data science capabilities Gold Loan ➢Completely in-house data driven collections process Capri Global Capital - Journey CAPRI 1.0: Establishing the bedrock for multifold growth CAPRI 2.0: Cementing leadership through Tech & AI (₹ Bn) Demonetisation NBFC Crisis Covid CAGR 52.8% Branches 366 200 157 100 40 48 0 4 18 Inception 4 38 87 90 124 740 955 1,111 1,429 1,433 FY Ending 2011 2013 2017 2020 2021 2022 2023 2024 2025 2026 Q1 FY27 Execution track record - launched, built and scaled 4 new businesses in last 5 years Business Develop- Co-Lending Credit Rating – Construction MSME Housing Gold Insurance Car Loan Micro LAP Fitch (BB-), ments Finance Loans Finance Loans Distribution Distribution Moody’s (Ba3) Capital ₹ 4.5 bn ₹ 14.4 bn ₹ 20.0 bn Raising QIP Rights Issue QIP Event Technology Foundation & Institutionalization Platform Scale & AI Enablement AI Native & Cognitive Era Develop- Tech blueprint established and tech team Swarnim LOS, Oracle Flexcube LMS; Orion LOS, AI integrated across lifecycle – ments onboarded Spark sales app, Pegasus collection app customer, credit and collections Capri Global Capital at a Glance Retail-Focused, Secured, High Growth, Well-Diversified & Tech-Enabled NBFC ₹401bn ₹76 bn 13,931 AUM (Q1 FY27) Net worth (Q1 FY27) Employees Growth at Scale 62% CAGR (FY22-FY26) 1,433 21 States & UTs 765K+ Branches Geographical spread Customers Pan-India Distribution 40+ | 11+ ₹276 bn 3.7x | 24.7%(1) Lenders | Co- Borrowings D/E | CRAR^ Efficient Liability Franchise lending partners 1.1% / 0.6% 0.7%(2) 43.2% GNPA / NNPA Provisions / Avg. assets Provision coverage Healthy Asset Quality 22.8% 7.8% / 9.7% 4.1% / 19.1%(2) Non-interest income/ Loan spreads / NIM RoAA / RoAE Strong Profitability Total Income Note: (1) Standalone; (2) Annualized; All numbers pertaining to Q1 FY27 5 1 Positioning Highlights India’s Growth Story Creates a Structural Credit Tailwind Macro expansion, favourable demographics and digital adoption are widening the opportunity for formal retail credit India on track to become world’s 3rd largest economy # Economy Rank $ 5.0 Tn (4.12%) $ 19.6 Tn (5.82%) Economy Rank $ 30.8 Tn (India) 10 6 5 5 3 (4.13%) US$ Tn $ 3.9 Tn 2.8 (9.50%) CY14 CY19 CY24 CY25 CY30P GDP per capita (US$) 1,540 2000 2,590 3,700 4,050 $ 4.3 Tn 2025 GDP in US$ (3.16%) (GDP CAGR | CY25-30P) Source: IMF 7 But Retail Credit continues to Remain Significantly Underpenetrated Low formal credit penetration creates a long runway for lenders focused on secured and underserved segments India’s retail credit remains underpenetrated and…. 138% 143% 198% 139% 93% 94% 67% 42% 36% 34% South UK US China Germany India Brazil Africa Household credit to GDP ratio(1) (%) Total credit to GDP(1) (%) .…is expected to grow at 16% up to FY27 (in ₹ tn) 40 44 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26P FY27P Source: RBI, bank of international settlement and Crisil intelligence (1) As of dec 31, 2024. 8 Resultingly, NBFCs are Poised to Win With Specialized Business Models Specialised underwriting, local presence and high-touch servicing create a differentiated role in underserved markets Unique proposition to cater to the “aspiring” and T2/T3 segment NBFC credit to grow at 15-17% between FY25 and FY28 Access to geographies outside (in ₹ Tn) Rural reach Bank’s current customer 68.2 segment 57.9 49.6 42.0 35.0 30.1 High touch Strong ownership of customers 26.1 27.8 23.7 model through regular interactions FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26P FY27P Understanding Nuances of the geography & of micro services business markets Gold, Housing and MSME finance poised to grow fastest (% of NBFC credit) 33% ~ 13% 29% 28% 27% Specialized Assessment of informal income 5% 5% 4% 9% ~ 0% 22% 23% 23% underwriting & SORP/SOCP(1) 18% ~ 22% 19% ~ 23% 25% 25% 25% 4% ~ 17% 4% 5% 6% 16% ~ 13% 15% 14% 14% Technology Leveraging tech to reimagine CAGR FY21 FY25 FY26 FY27 first model lending process and lower TAT Housing Loan Gold Loan Other Retail Loan MSME Loan Corporate & RE Loan Other Wholesale Loan Source: RBI, Crisil Intelligence; Notes: (1) SORP – Self-Occupied Residential Property; SOCP – Self Occupied Commercial Property; (2) RE – Real Estate 9 Capri Global’s Focus Segments Present a ₹26tn Opportunity NBFCs are poised to capture share in key retail lending segments; low penetration provides a long runway for growth 27.0% 19.0% 0.5% 1.0% ₹ 51 tn ₹ 42 tn(2) MSME Market Share(3) Housing Market share(3) loans loans ₹8 tn ₹78 bn ₹14 tn ₹68 bn NBFC share(1) Capri AUM NBFC share(1) Capri AUM 19% 2.4% 6.4% 6.3% ₹ 16 tn ₹ 41 tn Market Share(3) Market share(3) Gold Construction loans finance ₹3 tn ₹192 bn ₹1 tn ₹63 bn NBFC share(1) Capri AUM NBFC share(1) Capri AUM Source: RBI, NHB, MFIN, CRIF, CRISIL intelligence estimates, colliers; (1) Share of NBFCs/HFCs/NBFC MFIs; (2) Home loans market size; (3) market size data for FY2026 10 Large Addressable Market Opportunity across Focus Segments : Gold Loans Significant unleveraged household gold pool presents a deep, collateral-backed lending opportunity Gold Loan Credit Gap/Demand Potential (1) Gold Loan Market Size and Growth (FY2021-27E) Household Gold Pledged Unpledged Gold loans (₹ Tn) 20.0 - 21.0 (tonnes) 16.0 - 17.0 ~25,000 12.0 Gold value (₹ Tn) 88% 7.6 Formally Unfinanced 190 - 195 Financed (tonnes) (tonnes) FY21 FY22 FY23 FY24 FY25 FY26P FY27P Based on gold value ~3000 ~22000 @~Rs 10,919/gm & ~70% LTV (2) Strong demand from Fast, collateral-backed Expansion of organized Digital + doorstep gold informal sector & self- lending enabling players replacing Rising financialization loan disbursement employed borrowers quicker and more unorganized pawn of gold holdings improving reach and with limited credit certain liquidity vs brokers (trust + convenience access unsecured credit transparency) Source: RBI, Industry Experts; Notes: (1) Portfolio outstanding number includes agriculture lending by banks with gold as collateral and includes priority sector gold loans given by financiers ; [Showing first 8,000 characters — download PDF for full document]