Investor Presentation

Date: September 01, 2026 BSE Limited National Stock India International NSE IFSC Limited, Phiroze Jeejeebhoy Exchange of India Exchange (IFSC) Unit No.1201, Towers Dalal Street Limited Limited Brigade International Mumbai – 400001 5th Floor, Exchange 1st Floor, Unit No. 101, Financial Centre, Scrip Code: 531595 Plaza, Bandra (East) The Signature, Building 12th floor, Block-14, Mumbai – 400051 no. 13B, Road 1C, Zone Road 1C, Zone -1, Scrip Code: CGCL 1, GIFT SEZ, GIFT City, GIFT SEZ, Gandhinagar, Gandhinagar, Gujarat - 382355 Gujarat – 382355 Subject: Disclosure under Regulation 30 & 51 and other applicable provisions of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended from time to time (“LODR Regulations”). Dear Ma’am/Sir, Pursuant to Regulation 30 & 51 and other applicable provisions of the LODR Regulations, we enclose the roadshow/investor presentation for the meeting with an investor scheduled on September 01, 2026. The roadshow/investor presentation is available at the following link: https://www.capriloans.in/cms/investor-presentation/FY%202026%20- %202027/Roadshow%20Presentation/Investor%20Presentation%20%20%20/Capri-Global-Investor- Presentation-Sep-2026.pdf No unpublished price sensitive information is mentioned in the aforesaid roadshow/investor presentation. This intimation was received by the Company on September 01, 2026, at 06:09 A.M. (IST) and is also uploaded on the Company’s website at www.capriloans.in. You are requested to kindly take the above information on record. Thanking you. Yours faithfully, For and on behalf of Capri Global Capital Limited Yashesh Bhatt Company Secretary & Compliance Officer Membership No. 20491 Capri Global Capital Limited Investor Presentation September 2026 Transaction Summary Issuer Capri Global Capital Limited Issue Fixed rate, Senior Secured US$ bonds Expected Issuer Rating BB- (stable outlook) Fitch / Ba3 (stable outlook) Moody’s Size US$ Benchmark Tenor WAL [3Y] Coupon [ ]% p.a. payable semi-annually A first ranking pari passu charge (by way of hypothecation) over all standard Receivables, book debts, principal amounts and interest, costs, charges etc. (including loan book, coupon, premium and/or any default/penal interest, un- encumbered cash and bank balance, investment made by the Issuer in mutual Security funds/debt securities/bonds, term deposits with banks, etc.) owing to or receivable by the Issuer, both present and future (other than the Excluded Receivables), in respect of certain securities/loans/inter-corporate deposits subscribed to/given/placed by the Issuer, and all benefit, rights, interest, claims and demands of the Issuer in, to or in respect of all the aforesaid amounts, both present and future. Format 144A/ RegS; fixed rate, senior secured US$ bonds; drawdown off US$ 1bn GMTN Program For activities as may be permitted under the RBI regulations such as onward lending, in accordance with the approvals granted by the RBI from time to time in Use of Proceeds this relation (if applicable) and in accordance with the ECB Guidelines and other applicable laws • NNPA to not exceed 5% Maintenance Covenants • Minimum Capital Adequacy Ratio of 15% in line with RBI guidelines • Minimum Security Coverage Ratio equal to or greater than 1.0x with security comprising of standard assets at all times Denomination $[200k] and, in excess thereof, integral multiples of [1k] Listing India International Exchange (ISFC) Limited andNSE IFSC Limited Governing Law English Law Joint Global Coordinators and Barclays, Citigroup, DB (B&D), Emirates NBD, UBS Joint Book Runner Table of Content 1 Company Overview 4 2 Product Overview 3 Technology, Data Science and AI 23 4 Balance Sheet and ALM 26 5 Financial Highlights 31 6 Corporate Governance Appendix 1 Company Overview 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 AUM Car Loan Micro LAP Distribution ₹401 Bn* ➢ Self Employed & Salaried customers ➢ Semi-Urban & Rural presence- Tier 2/3/4 cities Retail Construction Housing Finance Loan ➢ Advanced in house developed tech and data science capabilities Gold Loan ➢ Completely in-house data driven collections process Note: * as on 30th June 2026 5 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 90 117 736 935 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 Becoming Fast-Growing NBFC Platform with Strong Fundamentals Scale, profitability, asset-quality discipline and capital strength create a solid foundation for the next phase of growth ₹401,108mn ₹75,655 mn 13,931 Net worth (FY26) Employees Growth at Scale 60% YoY 1,433 20 (States & UTs) 755K+ Branches Geographical spread Customers Pan-India Distribution 40 | 11 ₹276,297 Mn 3.7x | 24.7%(1) Lenders | Co-lending Borrowings D/E | CRAR^ Efficient Liability Franchise partners 0.72% 43.3% 1.1% / 0.6% Credit Cost / Avg. Provision coverage for GNPA / NNPA Healthy Asset Quality assets Stage 3 8.2% / 9.6% ₹ 3,533 Mn 4.1% / 19.1% spreads / NIM PAT RoAA / RoAE Strong Profitability All figures are as of 30th June unless specified Note: (1) Standalone, (2) Includes Debt Securities, (3) PAT as of March’26: ₹ 9,492Mn Product Summary Segment-wise Product Characteristics and Lending Framework CUSTOMER PROFILE Gold Loan SECURITY LTV Yield ATS¹ ₹mn Tenor Individuals incl. small business owners, salaried, Loan against Gold Jewellery Pledge of Gold Ornaments ~73.35% ~19.07% ~0.19 Up to 3y women, farmers C MSME Loan SECURITY LTV Yield ATS¹ ₹mn Tenor CUSTOMER PROFILE U Loan against property (LAP) & Small manufacturing units, traders & other D First & exclusive charge on property ~44.88% ~17.62% ~1.19 Up to 15y Micro-LAP businesses in Tier 2/3 cities N Construction Finance SECURITY Cover Yield ATS¹ ₹mn Tenor CUSTOMER PROFILE I D Affordable & budget Construction-linked disbursements >1.50x ~18.28% ~217.58 Up to 7y Small & mid-sized real estate developers N residential projects & escrow-based repayments SECURITY CUSTOMER PROFILE Housing Finance LTV Yield ATS¹ ₹mn Tenor First & exclusive charge on Small manufacturing units, traders & other (CGHFL) ~56.78% ~13.58% ~1.95 Up to 25y mortgage property businesses in Tier 2/3 cities S Car Loan Distribution MODEL NATURE CUSTOMER PROFILE S New vehicle financing Fee-based distribution (off-book) Distribution / fee income Urban middle class Insurance Distribution CUSTOMER PROFILE E MODEL NATURE E Distribution of insurance Mid-income group; cross-sold to lending F Fee-based distribution (off-book) Distribution / fee income products customers ¹ ATS at the balance sheet date on Non-GAAP basis 8 *All data points as of 30-June-26 AUM Growth Consolidated AUM Up ~52% during FY24-Q1FY27 AUM Break Up (₹ mn) CAGR* 156,540 228,601 366,237 401,108 2.0% 0.9% 0.1% 0.0% 15.6% 15.8% 16.7% 18.1% 20.3% 19.5% 22.8% 26.9% 22.3% 35.2% 46.3% 47.8% 113% 32.1% 23.1% 17.7% 16.9% 14% FY24 FY25 FY26 Q1FY27 MSME Gold Housing Construction F [Showing first 8,000 characters — download PDF for full document]