Capri Global Capital Limited

A collaboration with OpenAI is to explore secured AI-powered deployments in coming months.

APRI

Field recovery has also become technology led with our geo-tagged collections visit, providing complete visibility, stronger governance and measurable execution on the ground. Business impact is already evident. Nearly 90% of inbound payments across the organizations are digital with MSME and housing finance exceeding 93%, reflecting a decisive shift towards more efficient, lower cost and data lead recovery journey.

Further, approximately 35% of collection across the MSME and housing finance verticals are now managed through technology-enabled solutions and the direct digital engagement with customers to create a scalable collection engine that simultaneously improved productivity, lower service cost, strengthen risk management and continuously enhance model performance as transaction volume grows creating a compounding operating advantage.

APRI

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 now to INR19 crores per branch versus INR17 crores per branch at the end of previous quarter.

Our branch expansion for the year is underway, and we expect to add 150-plus branches by end of Q2, reflecting our commitment to expand our presence in Southern and Eastern India. On the employee productivity front, while AUM has increased significantly, our employee base is increased only by 14% year-on-year thus resulting in a significant improvement in employee productivity to INR 3.4 crores AuM per employee versus INR 1.8 crores year earlier.

APRI

Indian Numbering System Legend

Coming to asset quality. Now looking at the trend on asset quality, our gross stage 2 assets increased by INR385 crores, largely driven by increase of INR373 crores in the gold loan, which is low risk in nature. As a result, our gross Stage 2 ratio for the quarter increased to 3.8% from 2.8% in previous quarter.

At consolidated level, our gross Stage 3 ratio stood at 1.1% and net Stage 3 ratio stood at 0.6%, which is amongst the top quartile in the industry. During the quarter, our gross Stage 3 assets increased by INR74 crores quarter-on-quarter, mainly on account of the INR31 crores increase in Construction Finance. Our gross Stage 3 ratio for the other segments largely remained range bound with a gold loan at 0.3%.

CGCL: consolidated net profit changed by 102.0% in the quarter ending 30 June 2026, compared with the quarter ending 2025-06-30.