Capri Global Capital posts record profit, targets continued growth across lending businesses

Capri Global Capital Limited announced robust financial results for the second quarter and half year ended September 30, 2025, with consolidated Assets Under Management (AUM) reaching INR27,040 crores, a 40% year-on-year increase. The company achieved its highest-ever quarterly profit, with a net interest income of INR480 crores, up 57% year-on-year, and a Profit After Tax (PAT) of INR236 crores, a 143% year-on-year increase. Return on Average Assets (ROAA) stood at 4%, and Return on Average Equity (ROAE) at 14.4%.

Gold loan AUM crossed INR10,000 crores, growing by 58% year-on-year to INR10,406 crores. Micro, Small, and Medium Enterprises (MSME) AUM increased by 18% year-on-year to INR5,602 crores, while housing AUM grew 37% year-on-year to INR5,972 crores. The total branch network expanded to 1,224 locations, with 86 net additions during the quarter, including new entries into Bihar for gold loans and Tamil Nadu and Karnataka for Micro LAP. The company also successfully completed its maiden public issuance of secured, rated, listed, non-convertible debentures for INR400 crores.

Looking ahead, Capri Global Capital aims for an annualized AUM growth of 25% to 30%, targeting INR32,000 crores by the end of FY26 and INR42,000 crores by FY27. They project sustainable ROAE of 16% to 18% and ROAA of 4% to 4.5% by FY28. The company anticipates a reduction in the cost of funds by 30 to 40 basis points in the next two to three quarters and expects credit costs to remain in the 80 to 90 basis points range.