Q2 2026 Capri Global Capital Ltd Earnings Call Transcript
Key Points
- Capri Global Capital Ltd (BOM:531595) reported a robust 40% year-on-year growth in consolidated AUM, reaching INR27,040 crores.
- The company successfully completed its maiden public issuance of secured rated listed redeemable nonconvertible debentures for INR400 crores, which was oversubscribed.
- Net interest income for Q2 FY26 increased by 57% year-on-year to INR480 crores, supported by loan book expansion and improved pricing.
- The company's gold loan AUM grew by 58% year-on-year, crossing INR10,000 crores, with significant branch expansion.
- Capri Global Capital Ltd (BOM:531595) achieved a significant improvement in its ESG risk rating, moving from high risk to medium risk category.
- Operating expenses increased by 29% year-on-year, driven by an increase in the employee base and salary increments.
- The cost-to-income ratio, although improved, remains relatively high at 49% for Q2 FY26.
- The MSME segment saw a reduction in NPA numbers primarily due to an ARC sale, indicating underlying stress in the segment.
- Despite a strong performance, the company's credit cost guidance has been revised upwards to 80-90 bps, reflecting a conservative outlook.
- The company faces challenges in maintaining its growth momentum as the book size increases, with a projected slowdown in annual growth rates.
Ladies and gentlemen, good day, and welcome to Capri Global Capital Limited Q2 and FY26 earnings conference call hosted by Go India Advisors. (Operator Instructions) I now hand the conference over to Mr. Hardik Doshi from Capri Global Capital Limited. Thank you, and over to you, sir.
Good afternoon, everyone, and welcome to Q2 FY26 earnings Call for Capri Global Capital Limited. This is Hardik Doshi, Head, Corporate Finance and Investor Relations. Before we begin, as a brief disclaimer, the discussion on today's call regarding Capri Global Capital Limited's earnings performance can be based on judgments derived from the declared results and information on business opportunities available to the company at this time.
The company's performance is subject to risks, uncertainties, and assumptions that could cause results to differ materially in the future. Given these uncertainties and other factors, participants on today's call may observe caution while
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