Slides
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x Q2 & H1FY27 Earnings Presentation 28th October 2026
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Business Updates 1 Quarterly Financial Performance 2 Board & Management 5 Strategic Outlook 4 Annual Financial Performance 3 Table of Content ESG 6 Annexure 7
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Quarterly Performance Highlights (In ₹ mn unless stated otherwise) AUM Net Interest Income Non Interest Income Operating Profit PAT Cost-Income Ratio (%) NNPA (%) RoAE (%) RoAA (%) Operating Expenses 3 QoQQ2FY26 4,795 2,034 3,453 2,360 49.4% 0.7% 14.4% 4.0% 3,377 270,400 9% 10% 28% 7% 20% 18% (264) bps 22 bps 242 bps 29 bps YoY 62% 69% 34% 33% 84% 77% (807) bps 9 bps 716 bps 41 bps Q2FY27 438,785 8,125 2,730 4,492 6,363 4,183 41.4% 0.8% 21.6% 4.4% Q1FY27 401,116 7,363 2,141 4,184 5,321 3,534 44.0% 0.6% 19.1% 4.1%
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Performance Highlights (In ₹ mn unless stated otherwise) AUM Net Interest Income Non Interest Income Operating Profit PAT Cost-Income Ratio (%) NNPA (%) RoAE (%) RoAA (%) Operating Expenses 4 H1FY26 8,920 3,727 6,567 4,109 48.1% 0.7% 15.0%* 3.6%* 6,079 270,400 YoY 62% 74% 31% 43% 78% 88% (546) bps 9 bps 539 bps 61 bps H1FY27 438,785 15,488 4,871 8,675 11,683 7,717 42.6% 0.8% 20.4% 4.2% * Post capital infusion of ₹20 bn
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1 Business Updates
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Business Update 6 Comprehensive growth across all business segments driving overall AUM expansion • MSME, Gold, and Housing AUM values are inclusive of co-lending and Directly Assigned AUM. Refer next slide for further details. 20.7% 19.4% 17.7% 16.9% 16.0% 38.5% 42.1% 46.3% 47.8% 47.9% 22.1% 21.3% 20.3% 19.5% 19.0% 18.4% 16.8% 15.6% 15.8% 17.1% 0.3% 0.4% 0.1% 0.0% 0.1% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 MSME Gold Housing CF Others 56,019 58,862 64,859 67,791 70,155 1,04,065 1,27,992 1,69,646 1,91,786 2,10,038 59,723 64,900 74,469 78,153 83,253 49,690 51,090 57,081 63,316 75,028 903 1,222 178 71 310 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 MSME Gold Housing CF Others 270,401 304,065 366,233 401,116 438,785 AUM Break Up (₹ mn) Composition of AUM (%) Note: MSME AUM includes MSME, Solar & Micro LAP
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Retail AUM 7 Housing AUM (₹ mn) Co-lending includes Direct Assignment; CLM: Co-Lending Leveraging co-lending & DA for capital efficient growth 51,476 55,604 64,889 67,404 70,422 8,247 9,296 9,580 10,749 12,831 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Housing Housing-CLM Co-Lending/DA AUM (₹ mn) 10,923 11,908 14,566 14,026 14,951 37,601 50,179 53,685 56,487 63,051 8,247 9,296 9,580 10,749 12,831 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 MSME-CLM Gold CLM Housing CLM 56,772 71,383 77,831 81,263 90,834 21.0% 23.5% 21.3% CLM AUM/Cons.AUM MSME AUM (₹ mn) 45,096 46,954 50,293 53,765 55,204 10,923 11,908 14,566 14,026 14,951 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 MSME MSME-CLM 66,464 77,813 1,15,961 1,35,299 1,46,98737,601 50,179 53,685 56,487 63,051 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Gold Gold-CLM Gold AUM (₹ mn) 104,065 127,992 169,646 20.3% 56,019 58,862 64,859 67,791 191,786 59,723 64,900 74,469 78,153 20.7% 210,038 70,155 83,253
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Gold Loan Business Update Steady branch expansion and strong disbursal momentum driving portfolio growth 146 139 167 191 214 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Average Ticket Size (On Portfolio) (₹ ‘000s) Live Accounts 8 124 141 170 192 182 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 16.4 17.2 19.0 20.2 18.2 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Collateral Weight in Custody (in Tonnes) Loan to Value (%) (Incremental Disbursals) AUM/Branch (₹ Mn) 72.0% 72.0% 69.9% 70.5% 74.3% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 714,459 917,892 1,018,080 1,001,740 9,83,071 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Geographical Distribution (AUM - Wise) 20% 19% 14%12% 11% 8% 7% 4% 7% Rajasthan Uttar Pradesh Madhya Pradesh Gujarat Punjab & Haryana Maharashtra Delhi-NCR Uttarakhand Others
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MSME Business Update Well-diversified granular book across geographies 1.2 1.2 1.3 1.6 1.7 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Average Ticket Size (Incr. Sanctions) (₹ mn)* Live Accounts Loan to Value (%) (Incremental Disbursals) Geographical Distribution (AUM-Wise) 45,505 49,017 54,849 57,058 59,205 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 51.6% 50.1% 52.0% 53.0% 53.5% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 38% 21% 21% 5% 4% 4%3% 2% 1% Rajasthan Gujarat Madhya Pradesh Andhra Pradesh Delhi-NCR Uttar Pradesh Telangana Maharashtra Others 9 Salaried 4% Self- employed 96% Note: MSME Business Update includes MSME, Micro LAP & Solar; *ATS calculated as sanction amount by number of accounts sanctioned
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Housing Finance Business Update Expanding customer base with a diversified and a self-employed focused portfolio Average Ticket Size (Incr. Disbursals) (₹ mn) Live Accounts Loan to Value (%) (Incremental Disbursals) Geographical Distribution (AUM-Wise) 56.1% 53.8% 53.2% 52.6% 55.7% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 22% 21% 18% 13% 9% 6% 4% 4% 3% Rajasthan Madhya Pradesh Delhi-NCR Gujarat Maharashtra Uttar Pradesh Karnataka Telangana Others 10 40,188 42,399 46,093 47,588 49,843 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Salaried 24% Self- employed 76% 2.1 2.1 2.4 2.2 2.3 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Note: Housing Finance represents CGHFL entity
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Construction Finance Business Update Robust pipeline of new accounts continues to accelerate AUM expansion Average Ticket Size (₹ mn) Live Accounts Geographical Distribution (AUM-Wise) 11 286 279 282 291 304 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 25% 17% 16% 13% 10% 9% 8% 2% Mumbai Gujarat Delhi-NCR Karnataka Telangana Maharashtra TamilNadu Others 173.0 182.0 202.4 212.7 246.7 521.0 365.5 481.5 408.1 476.0 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Outstanding Sanction
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Insurance Distribution - Asset Light Income Stream Strategic Partnerships with 23 Insurance Companies General Insurance Companies Health Insurance Companies 4 Life Insurance Companies • Life Insurance • Credit Life Cover • Term Plan • Property Cover • Private Car & 2- Wheeler • Retail & Group Health • Hospi Daily Cash • CI & PA* • EMI Protect Policies | Key Statistics *CI: Critical Illness; PA: Personal Accident Policy Buy & Compare portal for sales team with multiple product offering Digital customer on-boarding journey Dedicated claims desk - pre & post service Real Time Policy Issuance through digital consent ✓ Digital Innovation & Service Excellence ✓ ✓ ✓ Insurance Ki Pathashalla – insurance product and process education initiative ✓ Customer Sourcing and On-Boarding Insurance Product offering to Loan customers as embedded product ✓ Cross-Selling of Health and Motor Insurance for penetration in tier II, III, IV cities and rural area ✓ Suitable product offerings WhatsApp links with 2-click buying journey ✓ 12 Gold 26% Housing 36% MSME 32% Others 6% Cross Sell 35% Direct 65% *By premium (Q2FY27) Health & Wellness 56% Life 24% General 20% 1,004 1,434 H1FY26 H1FY27 Total Premium (Rs mn) 9 ₹ 782 mn ₹ 782 mn ₹ 782 mn 10
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Car Loan Origination Pan-India presence backed by robust partnerships 13 02 80 69 01 75 43 34 44 17 24 39 29 27 03 01 09 04 04 05 03 02 62 52 15 23 04 Partner Banks & Financial Institutions Total Locations (Branches + Feet-on-Street) Pan-India coverage through presence in 821 locations in 30 States & UTs Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 821 821 821 821 821 417 57 16 04 26 36 05
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56,939 97,415 1,05,519 1,19,097 51,384 94,636 1,00,744 1,10,316 FY23 FY24 FY25 FY26 Originations Volume Car Loan Origination 27% YoY increase in the value of loan originations for the quarter Consistently Rising Loan Originations (₹ mn)^ Loan Originations (₹ mn) and Volume Full Year Basis (Nos.)^ Loan Originations By Volume (Nos.)^ Average Ticket Size (₹ mn) *^ 14 1.15 1.09 1.17 1.20 1.30 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 28,304 32,898 34,918 32,829 36,005 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 24,591 30,301 29,910 27,443 27,760 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 * ATS = Originations by Value / Originations by Volume During Quarter ^Provisional data pertaining to previous quarters has been re-stated
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Branch Network 15 Significant upside through economies of scale and productivity improvement from existing deployed network capacity Widening reach, Strengthening presence nationwide MSME, Housing Finance, Construction Finance and Car Loan Distribution 455 Branches in 20 States & UTs Non-Gold Gold Gold Loan Branches 1,154 Branches in 17 States & UTs 562 999 1,154 FY23 FY26 Q2FY27 174 430 455 FY23 FY26 Q2FY27 ➢ Total branch network of 1,609 branches ➢ Dedicated tech center in Gurgaon, Noida and Bangalore 104 52 14 62 54 27 40 60 01 01 01 01 01 06 04 26 165 19 185 147 106 150 85 05 114 13 04 11 09 31 51 43 1 4 03 09
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Network 16 Expanding footprint to accelerate customer acquisition Steady Growth in Branch Additions^ Modest Increase in Employee Base 382 421 430 433 455 842 910 999 1,000 1,154 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Non-Gold Loan branches Gold Loan branches 8,679 9,421 9,747 9,822 11,157 1,996 2,174 2,447 2,483 2,577 1,522 1,471 1,564 1,608 1,654 17 18 20 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 CGCL CGHFL CLCPPL Other Subsidiaries ^Branch data excluding HO & Support Offices 1,224 1,331 1,429 1,433 • Total branch network has grown to 1,609 branches in Q2FY27 from 1,433 branches in Q1FY27. • Non-Gold Business (MSME, Housing Finance, Construction Finance and Car Loan Distribution) operated through 455 branches in 20 States and UTs. • Gold Loan network increased to 1,154 branches across 17 states and UTs by end of Q2FY27. • Construction Finance continued to have 3 dedicated branches – Bengaluru, Hyderabad and Ahmedabad. • Car Loan distribution locations stood at 821 as of Sep’26. The branch presence was consolidated into 19 branches. 12,197 13,066 13,775 13,931 1,609 15,408
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2 Financial Performance
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Segmental Yields 18 Robust yields sustained across business segments alongside AUM growth 16.4% 16.8% 17.3% 16.8% 16.7% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Construction Finance (%)* Gold Loans (%)* MSME (%)* Housing Finance (%)* 13.3% 13.2% 13.2% 13.4% 13.7% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 18.6% 17.8% 16.9% 18.8% 19.1% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 17.2% 17.5% 17.9% 17.6% 18.6% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Note: *Yield calculated as interest income including INDAS adjustments for processing fee, commission and other charges divided by monthly average of outstanding loans
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Loan Yields and Margins 19 16.5% 16.4% 16.3% 17.0% 17.5% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Spreads (YoA – CoB) (%) Net Interest Margin (%)2 Yield on Net Advances (%) Cost of Borrowings (%)1 9.6% 9.4% 9.2% 9.1% 9.2% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 9.5% 9.1% 9.2% 9.7% 9.6% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 6.9% 7.0% 7.1% 7.9% 8.3% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Note: Calculated using Net Interest Income / Avg. Interest Earning Assets Note: Calculated as (Interest Expense including processing fee divided by monthly average of borrowings Note: 1. Borrowings include Debt Securities; 2. Net Interest Income excludes Int. Expense on Lease Liabilities, Interest Earning Assets include Bank Balances excluding Cash, Net Advances and Investments Note: Yield calculated as interest income including INDAS adjustments for processing fee, commission and other charges divided by monthly average of outstanding loans Resilient spreads with robust yields mitigating modest increase in cost of borrowings
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Financial Highlights 20 High yield asset mix, liquidity sufficiency supportive of strong growth in interest income 4,795 5,103 5,956 7,364 8,125 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Net Interest Income (₹ mn) 5,074 6,354 9,856 13,314 19,979 FY22 FY23 FY24 FY25 FY26 6,830 7,507 8,422 9,533 10,854 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 6,303 9,073 13,677 18,328 28,576 FY22 FY23 FY24 FY25 FY26 Net Total Income (₹ mn)
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Financial Highlights 21 Continued momentum in fee income ; 34% YoY growth for the quarter 19.5 30.0 27.9 27.4 30.1 FY22 FY23 FY24 FY25 FY26 29.8 32.0 29.3 22.5 25.1 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Non-Interest Income / Net Income (%) 276 1,179 1075 963 943170 557 1,002 1,633 3,640 547 769 1,273 1,128 2,313 41 628 1,519 236 214 428 662 183 FY22 FY23 FY24 FY25 FY26 1,229 2,719 3,820 5,014 8,597 Non-Interest Income (₹ mn) Car Loan distribution (net) Co-Lending/DA Income Other Non-interest Income Insurance distribution Treasury 234 252 209 248 321 339 705 806 1,157 972 651 720 420 653 548 697 552 954 253 278 342 647 421 506 81 46 148 196 210 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 2,034 2,404 2,472 2,141 2,730 1,692
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4.4% 6.8% 7.0% 5.7% 4.7%40.2% 63.4% 66.7% 59.9% 49.4% FY22 FY23 FY24 FY25 FY26 Cost excl. CLO/AAUM Cost-Income 22 Accelerated operational efficiency through productivity gains and targeted tech integration Operating Expenses (₹ mn) 5.2% 5.4% 5.0% 4.4% 4.3% 49.4% 51.6% 49.4% 44.0% 41.4% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Cost excl. CLO/AAUM Cost-Income *Annualised 69% 71% 68% 68% 71% 31% 29% 32% 32% 29% 3.9% 6.1% 6.8% 6.1% 5.3% FY22 FY23 FY24 FY25 FY26 Employee Cost Other opex As a % of Avg. Total Assets 5,751 9,120 10,987 2,536 14,112 Increase in FY23 & FY24 due to investment in Tech, Branches & Employees 68% 72% 77% 72% 69% 32% 28% 23% 28% 31% 5.7% 6.0% 5.5% 4.8% 4.7% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Employee Cost Other opex As a % of Avg. Total Assets* Cost-Income (%) & Cost / AAUM excl. CLO (%)**Annualised 3,377 3,873 4,160 4,184 Financial Highlights 4,492
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23 Profitable scale powered by margin expansion, cost discipline and risk controls Note: 1Credit Cost include Write off + ECL Provisions 3,767 3,322 4,556 7,341 14,464 5.8% 3.5% 3.4% 4.1% 5.4% FY22 FY23 FY24 FY25 FY26 Operating Profit as a % of Avg. Total Assets 1,057 647 913 1,008 1,895 1.6% 0.7% 0.7% 0.6% 0.7% FY22 FY23 FY24 FY25 FY26 Credit Cost As a % of Avg. Total Assets , 3,453 3,634 4,263 5,321 6,363 5.8% 5.6% 5.7% 6.1% 6.6% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Operating Profit as a % of Avg. Total Assets* 312 231 538 622 793 0.5% 0.4% 0.7% 0.7% 0.8% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Credit Cost As a % of Avg. Total Assets* Operating Profit (₹ mn) Credit Costs1 (₹ mn)*Annualised *Annualised Financial Highlights
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Financial Highlights 24 Scaling profits faster; PAT rises 77% YoY for the quarter 2,360 2,554 2,828 3,534 4,183 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 RoAE is calculated basis the average of beginning and ending equity for the period 2,035 2,047 2,781 4,785 9,486 FY22 FY23 FY24 FY25 FY26 Profit After Tax (₹ mn) 3.1% 2.2% 2.1% 2.7% 3.6% 11.2% 7.5% 7.5% 11.8% 16.5% FY22 FY23 FY24 FY25 FY26 RoAA RoAE 4.0% 3.9% 3.8% 4.1% 4.4% 14.4% 15.0% 16.0% 19.1% 21.6% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 RoAA RoAE Return on Avg. Assets & Return on Avg. Equity (% annualized)
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32.9% 30.3% 25.8% 24.7% 22.7%* Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 CRAR D/E Financial Highlights 25 29.4% 39.9% 26.6% 22.8% 25.8% FY22 FY23 FY24 FY25 FY26 CRAR 2.1 2.7 3.62.5 3.3 D/E (x) | CRAR 27.4 43.2 46.4 52.2 74.9 2.9 2.5 3.4 5.8 10.2 FY22 FY23 FY24 FY25 FY26 BVPS EPS 69.4 72.0 74.9 78.6 82.8 2.5 2.7 2.9 3.7 4.4 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 BVPS EPS EPS & Book Value per Share (₹) 2.5 2.8 3.3 3.7 Comfortable leverage and strong capital adequacy position D/E 3.8 *Standalone
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• New credit facilities sanctioned for Q2 FY27 stood at ₹44,276 mn on a consolidated basis • Total lender base of 40+ • Undrawn limits of ₹3,621 mn available. Liability Mix 26 Diversification led by market borrowings and co-lending Funding Profile (₹ mn) Consolidated Borrowings Break-up (₹ mn) 304,89075,113 104,069 155,768 239,818 *Market Borrowings includes NCD, CP & PTC 53,884 71,107 1,17,646 1,89,026 2,42,878 21,229 32,633 37,852 51,785 61,539 330 270 310 474 FY23 FY24 FY25 FY26 Q2FY27 CGCL Standalone CGHFL CLCPPL 76% 70% 60% 55% 53% 4% 4% 10% 8% 7% 7% 6% 4% 2% 2% 5% 1% 3% 8% 14% 1% 3% 2% 2% 2% 7% 15% 21% 24% 23% FY23 FY24 FY25 FY26 Q2FY27 Banks Other Financial Institutions NHB Market Borrowings* Others Co-lending/DA 122,375 196,567 318,952 395,70080,582
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Asset-Liability Position 27 60,530 36,250 1,15,470 1,29,660 38,050 71,440 35,710 27,510 36,010 1,37,710 1,04,350 89,530 24,820 33,560 1,13,020 1,04,970 93,350 75,260 - 20,000 40,000 60,000 80,000 1,00,000 1,20,000 1,40,000 - 20,000 40,000 60,000 80,000 1,00,000 1,20,000 1,40,000 1,60,000 upto 3 month >3-6 months >6-12 months 1-3 years 3-5 years >5 years Total Assets Total Liabilities Cummulative All amount in ₹ mn Note – Data ending Q2 FY27 Cumulative surplus across buckets
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Liquid and Overnight funds 28 Comfortable liquidity position Particulars (₹ mn) (30th Sep 2026) CGCL (Standalone) CGHFL Other Subsidiaries CGCL (Consolidated) Cash and Bank Balances 23,392 4,208 101 27,701 Investment in Liquid Mutual Funds, fixed deposits or corporate bonds 17,614 592 491 18,697 Undrawn Bank Lines 3,621 10,550 - 14,171 Net Available cash or cash equivalents 44,628 15,349 592 60,569 Total current liquidity of ₹60,569 mn in cash and bank balances, investments and undrawn credit lines across CGCL, CGHFL and subsidiaries.
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Construction Finance 0.5% 0.3% 0.3% 0.7% 0.0%0.2% 0.2% 0.1% 0.2% 0.0% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 GNPA NNPA Segmental NPAs Disciplined credit underwriting continues to safeguard asset quality 29 MSME 3.0% 3.0% 3.0% 3.1% 3.1% 1.6% 1.5% 1.6% 1.7% 1.7% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 GNPA NNPA Housing Finance 1.5% 1.4% 1.0% 1.2% 1.2% 0.9% 0.9% 0.7% 0.8% 0.8% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 GNPA NNPA Gold Loan 0.6% 0.5% 0.3% 0.3% 1.2% 0.4% 0.4% 0.2% 0.3% 1.0% Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 GNPA NNPA
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Asset Quality 30 Conservative provisioning stance enabling asset quality control ECL Analysis Q2FY27 Q1FY27 Q4FY26 Q3FY26 Q2FY26 Stage 1 - Gross 318,879 304,395 277,537 220,712 202,607 Stage 1 - ECL Provisions 1,842 1,838 1,576 1,054 1,067 Stage 1 - Net 317,037 302,557 275,961 219,657 201,540 Stage 1 - ECL Provisions % 0.6% 0.6% 0.6% 0.5% 0.5% Stage 2 - Gross 24,723 12,063 8,215 9,213 8,258 Stage 2 - ECL Provisions 1,347 1,135 968 905 919 Stage 2 - Net 23,376 10,928 7,248 8,308 7,338 Stage 2 - ECL Provisions % 5.4% 9.4% 11.8% 9.8% 11.1% Stage 3 – Gross 4,337 3,387 2,643 2,753 2,741 Stage 3 – ECL Provisions 1,446 1,465 1,089 1,199 1,174 Stage 3 – Net NPA 2,891 1,922 1,554 1,554 1,567 Stage 3 – ECL Provisions % 33.3% 43.2% 41.2% 43.6% 42.8% Total - Gross 347,938 319,845 288,396 232,678 213,606 Total ECL Provisions 4,634 4,438 3,633 3,158 3,161 Stage 3 % – Gross NPA 1.2% 1.1% 0.9% 1.2% 1.3% Stage 3 % – Net NPA 0.8% 0.6% 0.5% 0.7% 0.7% ₹ mn except stated
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31 ₹ mn except stated Consolidated Income Statement 31 Quarterly & Annual Comparison Particulars Q2FY27 Q2FY26 Y-o-Y (%) Q1FY27 Q-o-Q (%) H1FY27 H1FY26 YoY (%) Interest earned 14,646 8,854 65% 13,229 11% 27,874 16,918 65% Interest expense 6,521 4,059 61% 5,865 11% 12,387 7,998 55% Net interest income 8,125 4,795 69% 7,363 10% 15,488 8,920 74% Net car loan fees 339 252 35% 321 6% 660 486 36% Co-lending income 720 806 -11% 651 11% 1,372 1,511 -9% Insurance distribution 506 278 82% 421 20% 632 405 56% Treasury 210 46 361% 196 7% 406 126 222% Other operating income 954 653 46% 552 73% 1,506 1,073 40% Non-interest income 2,730 2,034 34% 2,141 27% 4,871 3,727 31% Total income 10,854 6,830 59% 9,504 14% 20,359 12,647 61% Employee cost 3,095 2,281 36% 3,014 3% 6,109 4,108 49% Other expenses 1,397 1,096 27% 1,170 19% 2,567 1,971 30% Operating expenses 4,492 3,377 33% 4,184 7% 8,675 6,079 43% Operating profit 6,363 3,453 84% 5,321 20% 11,683 6,567 78% ECL provisions 212 289 -27% 888 -76% 1100 1,003 10% Write-offs 582 23 2483% -267 -318% 315 124 154% Total provisions 793 312 155% 622 28% 1,415 1,126 26% Profit before tax 5,570 3,141 77% 4,699 19% 10,269 5,441 89% Tax 1,386 781 78% 1,166 19% 2,552 1,332 92% Implied tax rate 24.9% 24.9% 24.8% 24.9% 24.5% Profit after tax 4,183 2,360 77% 3,534 18% 7,717 4,109 88%
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Consolidated Balance Sheet 32 Quarterly Comparison ₹ mn except stated Particulars Q2FY27 Q2FY26 YoY (%) Q1FY27 QoQ (%) Paid-up Equity 962 962 0% 962 0% Reserves and Surplus 78,614 65,769 20% 74,692 5% Total Equity 79,576 66,730 19% 75,655 5% Bank Borrowings 254,955 158,356 61% 250,193 2% Debt Securities 49,935 9,504 425% 26,104 91% Other Liabilities and Provisions 15,929 9,545 67% 14,105 13% Total Equity & Liabilities 400,395 244,135 64% 366,057 9% Cash and Bank Balances 28,350 18,436 54% 29,466 (4%) Investments 18,993 7,460 155% 10,796 76% Assets under Financing Activities 340,793 208,216 64% 312,855 9% Other Assets 12,259 10,024 22% 12,940 (5%) Total Assets 400,395 244,135 64% 366,057 9%
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33 Calculated as % of Average Assets (%) Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 Interest income 14.8% 14.5% 14.6% 15.3% 15.3% Interest expenses 6.8% 6.7% 6.6% 6.8% 6.8% Net interest income 8.0% 7.9% 7.9% 8.5% 8.5% Net Car Loan Fee 0.4% 0.3% 0.3% 0.4% 0.4% Co-lending Income 1.4% 1.8% 1.3% 0.8% 0.8% Insurance distribution 0.5% 0.5% 0.9% 0.5% 0.5% Other income 1.2% 1.1% 0.8% 0.9% 1.2% Non-interest income 3.4% 3.7% 3.3% 2.5% 2.8% Net total income 11.5% 11.6% 11.2% 11.0% 11.3% Employee expenses 3.8% 4.3% 4.3% 3.5% 3.2% Other expenses 1.4% 1.2% 0.9% 1.0% 1.1% D&A 0.4% 0.4% 0.4% 0.3% 0.3% Operating expenses 5.7% 6.0% 5.5% 4.8% 4.7% Operating profit 5.8% 5.6% 5.7% 6.1% 6.6% ECL provisions 0.5% 0.2% 0.7% 1.0% 0.2% Write-offs 0.0% 0.1% 0.1% (0.3)% 0.6% Total Provisions 0.5% 0.4% 0.7% 0.7% 0.8% Profit before tax 5.3% 5.3% 5.0% 5.4% 5.8% Profit after tax (RoAA) 4.0% 3.9% 3.8% 4.1% 4.4% RoAA Tree Quarterly Comparison
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3 Annual Financial Performance
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35 31,911 38,576 41,728 42,764 50,293 55,204 11,257 28,236 55,612 1,15,961 1,46,987 17,474 26,192 38,901 46,056 64,889 70,422 12,654 18,302 26,213 41,329 57,081 75,028 3,129 3,404 3,152 2,042 178 310 FY22 FY23 FY24 FY25 FY26 Q2FY27 MSME Gold Housing Construction Finance Others 33,068 43,580 50,174 52,789 64,859 70,155 11,256 34,910 80,422 1,69,646 2,10,038 17,474 26,657 42,091 52,019 74,469 83,253 12,677 18,301 26,213 41,329 57,081 75,028 3,129 3,412 3,152 2,042 178 310 FY22 FY23 FY24 FY25 FY26 Q2FY27 MSME Gold Housing Construction Finance Others AUM Break Up (₹ mn) Gross Loans Break Up (₹ mn) 103,205 156,540 97,731 138,230 187,803 66,347 64,168 228,602 CAGR 49% 41% 131%* 18% CAGR 49% 36% 108%* 13% 52% 45% Note: *CAGR FY23-Q2FY27 MSME AUM includes MSME, Micro LAP and Solar Loans; MSME, Gold, and Housing AUM values are inclusive of co-lending and directly assigned AUM 366,233 288,402 AUM and Loan Growth Consolidated AUM Up 52% CAGR FY22-Q2FY27 438,785 347,951
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36 1,157 5,004 8,446 10,025 14,566 14,951465 3,185 5,963 9,580 12,831 6,674 24,810 53,685 63,051 1.7% 5.3% 11.7% 17.8% 21.3% 20.7% FY22 FY23 FY24 FY25 FY26 Q2 FY27 MSME Housing Gold Co-lending AUM/Con. AUM 170 557 1,002 1,633 3,640 13.8% 20.5% 26.2% 32.6% 42.3% FY22 FY23 FY24 FY25 FY26 Co-Lending Income As a % of non-interest income Co-lending income* (₹ mn) (% of non-interest income) 5,469 18,306 Co-Lending AUM (₹ mn) (% of overall) CGCL retains 20-30% while co-lending partners (CLPs) retain the balance CGCL earns spread and loan servicing fee on the co-lending loans Additional source of funds while conserving capital and boost RoE Diversification of borrowings Partner Banks11 1 2 3 4 Note: *Net gain on derecognition of financial instruments 40,798 77,831 Leveraging co-lending for capital efficient expansion Additional Funding Source & High RoE Accretion Co-lending includes Direct Assignment; CLM: Co-Lending 90,834
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37 16.1% 15.7% 15.9% 15.2% 16.7% 16.7% FY22 FY23 FY24 FY25 FY26 Q2FY27 Gold Loans (%)* Retail Construction Finance (%)* MSME (%)* Housing Finance (%)* 13.4% 12.8% 12.7% 12.8% 13.2% 13.7% FY22 FY23 FY24 FY25 FY26 Q2FY27 14.1% 18.6% 19.2% 17.8% 19.1% FY22 FY23 FY24 FY25 FY26 Q2FY27 16.8% 17.6% 17.8% 17.2% 17.7% 18.6% FY22 FY23 FY24 FY25 FY26 Q2FY27 na1 1Gold Loan business started in Aug-22 Note: *Yield calculated as interest income including INDAS adjustments for processing fee, commission and other charges divided by monthly average of outstanding loans Segment Wise Loan Yields Improving Yields
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38 15.2% 14.9% 15.8% 16.2% 16.4% 17.5% FY22 FY23 FY24 FY25 FY26 Q2FY27 Spreads (YoA – CoB) (%) Net Interest Margin (%)2 Yield on Net Advances (%) Cost of Borrowings (%)1 8.3% 8.6% 9.3% 9.6% 9.5% 9.2% FY22 FY23 FY24 FY25 FY26 Q2FY27 8.4% 8.0% 8.7% 8.5% 8.6% 9.6% FY22 FY23 FY24 FY25 FY26 Q2FY27 6.9% 6.3% 6.6% 6.5% 6.9% 8.3% FY22 FY23 FY24 FY25 FY26 Q2FY27 Note: Calculated using Net Interest Income / Avg. Interest Earning Assets Note: 1. Borrowings include Debt Securities; 2. Net Interest Income excludes Int. Expense on Lease Liabilities, Interest Earning Assets include Bank Balances excluding Cash, Net Advances and Investments Note: Yield calculated as interest income including INDAS adjustments for processing fee, commission and other charges divided by monthly average of outstanding loans Note: Calculated as (Interest Expense including processing fee divided by monthly average of borrowings Yields & Margins Improving spreads and margins
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39 3.1% / 1.7% / 45.2% MSME Loan 1.2% / 0.8% / 37.9% Housing Loan 1.2% / 1.0% / 19.1% Gold Loan 0.2% / 0.0% / 50.0% Construction Finance Segment-wise Asset Quality (GNPA/NNPA/PCR)* 2.4 1.7 1.9 1.5 0.9 1.2 1.7 1.2 1.1 0.9 0.5 0.8 FY22 FY23 FY24 FY25 FY26 Q2FY27 NPA (%) Gross Net Note: *For Q2 FY27 30.5 30.9 45.2 41.7 41.2 33.3 FY22 FY23 FY24 FY25 FY26 Q2FY27 PCR (%) Prudent Risk Management Improving asset quality and adequate provisioning
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40 MSME Loan 4.0% 3.4% 3.9% 3.9% 3.0% 3.1% 2.9% 2.5% 2.1% 2.0% 1.6% 1.7% FY22 FY23 FY24 FY25 FY26 Q2FY27 GNPA NNPA Retail Construction Finance 0.0% 0.3% 1.0% 0.2% 0.3% 0.0%0.0% 0.0% 0.2% 0.1% 0.1% 0.0% FY22 FY23 FY24 FY25 FY26 Q2FY27 GNPA NNPA Housing Finance 1.5% 1.2% 1.3% 1.4% 1.0% 1.2% 1.1% 0.8% 0.8% 0.9% 0.7% 0.8% FY22 FY23 FY24 FY25 FY26 Q2FY27 GNPA NNPA Gold Loan NA 0.1% 0.9% 0.8% 0.3% 1.2% NA 0.1% 0.8% 0.7% 0.2% 1.0% FY22 FY23 FY24 FY25 FY26 Q2FY27 GNPA NNPA Segmental NPAs
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Asset Quality 41 Adequate provisioning coverage ECL Analysis FY22 FY23 FY24 FY25 FY26 Q2 FY27 Stage 1 - Gross 57,255 90,920 129,580 175,797 277,537 318,879 Stage 1 - ECL Provisions 377 461 619 779 1,576 1,842 Stage 1 - Net 56,877 90,459 128,961 175,019 275,961 317,037 Stage 1 - ECL Provisions % 0.7% 0.5% 0.5% 0.4% 0.6% 0.6% Stage 2 - Gross 6,373 5,108 5,987 9,120 8,215 24,723 Stage 2 - ECL Provisions 854 807 746 703 968 1,347 Stage 2 - Net 5,519 4,301 5,241 8,417 7,248 23,376 Stage 2 - ECL Provisions % 13.4% 15.8% 12.5% 7.7% 11.8% 5.4% Stage 3 – Gross 1,562 1,704 2,661 2,867 2,643 4,337 Stage 3 – ECL Provisions 476 526 1,202 1,197 1,089 1,446 Stage 3 – Net NPA 1,086 1,178 1,458 1,670 1,554 2,891 Stage 3 – ECL Provisions % 30.5% 30.9% 45.2% 41.7% 41.2% 33.3% Total – Gross 65,189 97,732 138,227 187,784 288,396 347,938 Total ECL Provisions 1,707 1,794 2,567 2,678 3,633 4,634 Stage 3 % – Gross NPA 2.4% 1.7% 1.9% 1.5% 0.9% 1.2% Stage 3 % – Net NPA 1.7% 1.2% 1.1% 0.9% 0.5% 0.8% ₹ mn except stated
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RoAA Tree Calculated as % of Average Assets (%) FY22 FY23 FY24 FY25 FY26 Q2 FY27 Interest income 13.0% 12.3% 13.5% 14.5% 13.9% 15.3% Interest expenses 5.1% 5.6% 6.2% 7.1% 6.5% 6.8% Net interest income 7.8% 6.7% 7.3% 7.4% 7.5% 8.5% Net Car Loan Fee 0.4% 1.2% 0.8% 0.5% 0.4% 0.4% Co-lending Income 0.3% 0.6% 0.7% 0.9% 1.4% 0.8% Insurance distribution - - 0.0% 0.3% 0.6% 0.5% Other operating income 1.2% 1.0% 1.3% 1.0% 0.9% 1.2% Non-interest income 1.9% 2.9% 2.8% 2.8% 3.2% 2.8% Net income 9.7% 9.6% 10.1% 10.2% 10.7% 11.3% Employee expenses 2.7% 4.3% 4.6% 4.1% 3.8% 3.2% Other expenses 1.2% 1.8% 2.1% 2.0% 1.5% 1.5% Operating expenses 3.9% 6.1% 6.8% 6.1% 5.3% 4.7% Operating profit 5.8% 3.5% 3.4% 4.1% 5.4% 6.6% ECL provisions 1.0% 0.1% 0.5% 0.3% 0.6% 0.2% Write-offs 0.7% 0.6% 0.1% 0.2% 0.1% 0.6% Provisions 1.6% 0.7% 0.7% 0.6% 0.7% 0.8% Profit before tax 4.2% 2.8% 2.7% 3.5% 4.7% 5.8% Tax 1.0% 0.6% 0.6% 0.9% 1.2% 1.4% Profit after tax (RoAA) 3.1% 2.2% 2.1% 2.7% 3.5% 4.4% 42
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Consolidated Income Statement 43 Profit and Loss A/c FY22 FY23 FY24 FY25 FY26 FY22-26 CAGR Interest income 8,396 11,682 18,228 26,050 37,277 Interest expenses 3,322 5,328 8,372 12,736 17,298 Net interest income 5,074 6,354 9,856 13,314 19,979 41% Net Car Loan Fee 276 1,179 1,075 963 943 Co-lending Income 170 557 1,002 1,633 3,640 Insurance distribution 41 628 1,519 Other operating income 785 983 1,727 1,790 2,495 Non interest income 1,229 2,719 3,821 5,014 8,597 63% Net income 6,303 9,073 13,677 18,328 28,576 46% Employee expenses 1,746 4,061 6,237 7,429 10,087 Other expenses 790 1,690 2,870 3,558 4,025 Operating expenses 2,536 5,751 9,107 10,987 14,112 54% Operating profit 3,767 3,322 4,570 7,341 14,464 40% ECL provisions 618 80 713 635 1,640 Write-offs 439 570 199 373 256 Total Provisions 1,057 651 913 1,008 1,895 16% Profit before tax 2,711 2,671 3,656 6,333 12,569 47% Tax 676 636 862 1,548 3,083 Implied Tax rate (%) 24.9% 23.8% 23.6% 24.4% 24.5% Profit after tax 2,035 2,047 2,794 4,785 9,492 47% All figures in ₹ mn except stated otherwise Annual Comparison
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Consolidated Balance Sheet 44 All figures in ₹ mn except stated otherwise Balance Sheet FY22 FY23 FY24 FY25 FY26 FY22-26 CAGR Liabilities Paid-up equity 351 412 825 825 962 Reserves and surplus 18,873 35,242 37,541 42,216 71,073 Total Equity 19,225 35,655 38,366 43,041 72,035 39.1% Borrowings 48,322 75,113 104,069 155,768 241,121 49.5% Other liabilities and provisions 4,036 7,246 9,067 9,520 13,604 Total liabilities 71,583 118,013 151,502 208,329 326,760 46.2% Assets Cash and bank balances 3,531 15,100 6,746 15,312 21,229 Investments 3,781 2,155 2,162 1,604 12,361 Assets under financing activities 62,763 94,816 134,212 182,515 281,499 45.5% Other assets 1,507 5,942 8,381 8,898 11,671 Total assets 71,583 118,013 151,502 208,329 326,760 46.2% Annual Comparison
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4 Strategic Outlook
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Key Initiatives to Accelerate Growth 46 Focus on dedicated strategic initiatives to drive scale Diversify our Product Offerings • Offer customized products to underserved high growth markets and focus on revenue diversification • Scale and expand product suite Geographic Expansion and Deepening our Presence Leverage Technology & Analytics for Operational Excellence Leverage customer base to drive fee income and cross-selling Diversify borrowings for effective liability management • Open new branches in existing and new states to expand across Telangana, Karnataka, TN, AP , Orissa, UP • Deepen presence through expanded branch network – 750-800 new branches over next 2 years • Leverage tech & data science leadership – implement Agentic AI tools for efficiency, productivity, CX • Increase sales productivity across MSME/HL/Gold • Cross-sell loan products to large and rapidly growing customer base • Scale existing verticals to increase fee income – Insurance, Car Loan distribution and other new verticals • Diversification of borrowings – raise NCD/CP; widen lender base; reduce cost of funds • Strengthen and grow co-lending partnerships Capri Global’s target is ₹650 bn AUM by FY28 and ₹1,250 bn+ by FY31 growing at 28% - 30% CAGR
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47 … and Deliver Sustainable Returns… Key levers for RoE expansion Capri Global’s target is to deliver consistent RoAE of 19.0% - 21.0% and RoAA of 4.2% - 4.7% Margin Expansion Drive AUM growth through new markets, customer segments and partnerships Reduction in s through data science & analytics Operating leverage from existing network; productivity improvement through tech & AI Expansion of Car Loan origination and Insurance businesses Increase in share of high yield products; liability management through co- lending High Quality Fee Income Cost Efficiency Underwriting Efficiency Growth Opportunity + + + +
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5 Board & Management
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Strong Corporate Governance 49 Distinguished and Qualified Board comprised majorly of Independent Directors 6 Independent Board of Directors with expertise in Banking, Finance, Risk Management, IT and Public Policy 9 board committees to ensure oversight – Risk, Credit, Asset Liability, Info Security, Audit, CSR, ESG, Stakeholder relationship, Nomination & Remuneration Chairman & Independent Director Lingam Venkata Prabhakar Ex-MD & CEO Canara Bank and ex-ED Punjab National Bank; Rich experience in banking and finance, AMCs, insurance companies; M.Sc. (Agri), CAIIB Managing Director Rajesh Sharma Promoter & MD Capri Global Capital Entrepreneur with over 3 decades of experience in Financial Services Expertise in Lending, Financial Advisory, Corporate Finance & Investment Banking; CA Independent Director Nupur Mukherjee Ex Global Head, Enterprise Data Technologies at Standard Chartered Bank and Barclays Expertise in data- driven, cloud, AI and ESG, PMP, BCom, CIMA Independent Director Shishir Priyadarshi Ex-IAS officer from UP cadre; Director World Trade Organization MA (Economics, UK) and M. Sc (Physics, DU) Independent Director Subramanian Ranganathan Ex- Citicorp, Edelweiss Group Experience in finance and management, CA, CS, CWA, LL.B Independent Director Ajit Mohan Sharan IAS - Batch 1979 Over 3 decades of experience in varied aspects of public administration 5 Independent Directors with expertise in Banking, Finance, Risk Management, IT and Public Policy 9 board committees to ensure oversight – Risk, Credit, Asset Liability, Info Security, Audit, CSR, ESG, Stakeholder relationship, Nomination & Remuneration
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50 Proven track record of scaling businesses CORPORATE FUNCTIONS Divya Sutar President & ED — Strategy GMP (Harvard Business School), Master’s Degree (USF) Work Experience: 26+ yrs Kishore Lodha Chief Financial Officer Ex-UGRO Finance, Hinduja Finance, SREI Infra Finance; CA Work Experience: 24+ yrs Abhishek Yadav Chief Compliance Officer Ex- ANZ Bank, L&T Fin, Yes Bank, Axis Bank, Kotak Bank, B.Com, CS Work Experience: 23+ yrs Group Chief Technology Officer Tarun Aggarwal Ex-Paytm, Adobe System, Quad Analytix, Expedia, PGDBM (IMT) Work Experience: 20+ yrs Sanjeev Srivastava Chief Risk Officer Ex-IIFL Finance, CA Work Experience: 20+ yrs Vinay Surana Group Head — Treasury Ex-Axis Bank, CA Work Experience: 17+ yrs Varun Malhotra Chief Technology & Data Officer Ex-BYJU’s, Policy Bazaar; MTech – BITS Pilani Work Experience: 20+ yrs Zoheb Sheikh Head – Internal audit Ex- Kotak Mahindra Bank, Reliance Securities Total Exp: 20+ yrs Experienced and Stable Management Team Ignatius Kaitha Chief HR Officer Ex-IndusInd Bank, HSBC, MBA Work Experience: 20+ yrs 50
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Experienced and Stable Management Team 51 Proven track record of scaling businesses RETAIL BUSINESS RETAIL CONSTRUCTION FINANCE Vijay Kumar Gattani Chief Business Officer - CF Ex-Goldman Sachs, ICICI Bank, CA Work Experience: 21+ yrs Bhaskarla Keshav Kumar Director – Monitoring – CF Ex-AGM, SBI Work Experience: 40+ yrs FEE BASED BUSINESS Amit Setia Rohit Chugh Head – Insurance Distribution Ex- Star Health, SBI GI, Tata AIG, MBA Work Experience: 27+ yrs Ravish Gupta Chief Business Officer — Gold Ex-IIFL, GE Money, HDFC Bank, BCA Work Experience: 20+ yrs Abhishek Sinha Chief Business Officer — MSME & MLAP Ex Bajaj Housing Finance Ltd., Bajaj Finance Ltd., Tata Capital Ltd. Work Experience: 22+ yrs Munish Jain Chief Business Officer — HL Ex-Shriram Housing, GE Money, DHFL, MBA Work Experience: 20+ yrs ED – Fixed Income Markets Ajay Manglunia Ex- JM Financial, Edelweiss, InCred; CA Work Experience: 30+ yrs Vaibhav Shah Head Credit – MSME & MLAP Ex- AUSFB, DCB Bank, IIFL, HDFC Bank, ICICI Bank, MMS, B.com Work Experience: 23+ yrs Chief Business Officer– Car Loan Distribution Ex-Reliance Capital, Dhanlaxmi Bank, MBA Work Experience: 20+ yrs CREDIT
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6 ESG
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Strong ESG Performance Underpinned by Measurable Impact and Robust Governance Financial inclusion, governance and sustainability initiatives support responsible growth 100% DEI training for senior management Name of the ESG rating provider Ratings Environmental (E) Social (S) Governance (G) 5 out of 6 independent directors Zero cases of discrimination and harassment Zero cases of money laundering, insider trading and conflict of interest Zero cases of cybersecurity breaches or threats Score: 100 (industry avg. 10) Financial inclusion Score: 100 (industry avg: 23) Customer relations Score: 100 (industry avg: 20) Human rights Score: 91 industry avg. 32 Privacy protection SES ESG research private limited 75 (B+) NSE sustainability ratings & analytics limited 73 CRISIL ESG ratings & analytics limited 64 (strong) Standard & poor’s (S&P) global corporate sustainability assessment (only NBFC to qualify for S&P CSA yearbook) 72 (industry average 29) Key ESG impact highlights (1) Best-in-class ESG scores Note: (1) Highlights for FY25 23% reduction of e-waste compared to FY2023-24, ~500+kg of waste recycled and reused 500+ Solar lights installed through CSR initiatives. 100+ Acres under climate- resilient cultivation through CSR initiatives. 15,300 KL of water harvesting capacity created through desilting, check dams and bunds ₹ 68 Mn government investments supported 1,924 households and created 225 hectares of water harvesting capacity 2.61 Lakh Pages saved by MSME and Housing business through Digital Initiatives. 3150+ plantations completed. 15,519 beneficiaries reached including 13,287 women. 8,500+ students supported. 1200+ farmers trained and adopted on regenerative practices. Zero fatalities in our operations. 100 training sessions conducted benefitting 8,179 individuals across 80 villages 681 SHGs formed for community strengthening and institution building 10,000+ Women impacted through our livelihood development program 53
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Social empowerment • Expanding financial access for underserved communities, women, and first-time borrowers • Purpose-driven products such as gold loans, MSME, affordable housing and micro-lap for livelihood support • Capri foundation initiatives in education, healthcare, digital literacy, and rural empowerment • Employee wellbeing through health, wellness, skills training, and safety policy • Goal to reach over 200 K women beneficiaries by 2030 under CSR initiatives Governance excellence • Strong governance foundation with top management-level ESG steering committee chaired by the managing director • Robust policies on ethics, equality, human rights, safety, ABAC, whistleblower and data privacy • AI-enabled cyber and data protection systems to safeguard customer information • ESG-linked evaluations for senior management and supplier accountability • Integration of ESG KPIs in leadership goals with compliance to SEBI BRSR, GRI, and NGRBC Environmental stewardship • Environment management system-like processes for monitoring energy, water, waste, and emissions with measurable targets. • Focus on energy efficiency, digital-first services, and climate risk management • Calculation of Scope 1,2,3 including Financed Emissions is now in place. The emissions are regularly tracked. • Target is to reduce combined Scope 1 and Scope 2 emissions intensity by 5% by FY2027-28. Key Pillars of ESG - Fostering Sustainable and Responsible Operations Responsible operations and social impact are embedded into the operating model 54
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55 Board of Directors 5 Independent Board of Directors including one woman Director Separate Chairman and Managing Director For Corruption and Complaints related to Conflict of Interest against Directors or KMPs Zero Disciplinary Actions On ESG Principles conducted for Board of Directors and KMPs Training & Awareness Programs CRO Operational Risk Committee HIA Internal Audit CCO Compliance BUSINESS HEAD Credit Policy Committee COMMITTEES Risk Nomination & Remuneration Board Credit Committee Information Security Audit Committee Asset Liability Committee CSR Stakeholder Relationship Committee Corporate Governance Framework MD, BUSINESS HEADS ESG Committee
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Shareholding 56 ₹238bn Market capitalisation1 ₹ 79.6bn Cons. Equity (Sep’26) ₹ 962mn Paid-up Equity ₹ 1 Face Value 59.92% 30.04% 10.04% Promoter Group Institutional Shareholders Other Public Shareholders 1. Market capitalization NSE on 30th Sep’26. 2. 1 US$ = ₹ 95.98 3. CGCL is part of ✓ Nifty Smallcap 250 Momentum Quality 100 ✓ BSE 250 Smallcap Index ✓ MSCI India Small Cap Index ✓ FTSE India Index NOTES Shareholding as at the end of Q2 FY27 US$2.48bn2
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7 Annexure
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Gold Loan Market Size and Growth (FY2021-27E) 5.4 6.2 7.6 9.4 12.0 16.0 - 17.0 20.0 - 21.0 FY21 FY22 FY23 FY24 FY25 FY26P FY27P Gold loans (₹ Tn) 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 ; (2) Rate for 18K gold given by India Bullion and Jewelers Association Ltd. as on July 8, 2026 Rising financialization of gold holdings Household Gold (tonnes) ~25,000 Gold value (₹ Tn) 190 - 195 12% 88% Formally Financed (tonnes) Unfinanced (tonnes) Pledged Unpledged ~3000 ~22000 Strong demand from informal sector & self- employed borrowers with limited credit access Expansion of organized players replacing unorganized pawn brokers (trust + transparency) Digital + doorstep gold loan disbursement improving reach and convenience Fast, collateral-backed lending enabling quicker and more certain liquidity vs unsecured credit Gold Loan Credit Gap/Demand Potential (1) Large Addressable Market Opportunity across Focus Segments : Gold Loans Significant unleveraged household gold pool presents a deep, collateral-backed lending opportunity Based on gold value @~Rs 10,919/gm & ~70% LTV (2) 58
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Source: RBI, Industry Experts, IFC, Transunion CIBIL, Udyam; CGTMSE-Credit guarantee fund trust for micro and small enterprises Large Addressable Market Opportunity across Focus Segments : MSME Loans MSME loan market size and growth (FY2021-27E) 19.8 23.3 29.1 35.2 41.6 49.0 – 50.0 50.0 – 60.0 FY21 FY22 FY23 FY24 FY25 FY26P FY27P MSME loans (₹ Tn) 76.0 42.0 34.0Addressable credit demand Credit gap ₹ 117 Tn Overall credit demand: ₹ 159 Tn <15% of approx. 70m MSMEs have access to formal credit Potentially addressable credit gap Formal credit Formalization of MSMEs (GST, UDYAM) improving credit visibility and eligibility Large structural credit gap vs demand in working capital and capex financing Digitization of cashflows enabling better underwriting (invoice + bank statement lending) Growth in trade, e-commerce, and supply chain financing needs Government-backed schemes (CGTMSE, priority sector lending) reducing lender risk MSME Loan Credit Gap / Demand Potential Large, underpenetrated MSME segment offers a multi-year opportunity for scalable credit expansion 59
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Housing loans market size and growth (FY2021-27E) 22.8 26.4 29.5 34.2 36.7 41.6 47.5 FY21 FY22 FY23 FY24 FY25 FY26P FY27P Housing loans (₹ Tn) Source: RBI, Industry Experts, CRIF; EWS – Economically Weaker Section, LIG – Low Income Group, MIG – Middle Income Group, PMAY – Pradhan Mantri Awas Yojana 45.0 34.0 5.0 50.0 75.0 30.0 5.0 40.0 22.0 EWS (ATS < ₹ 0.75 Mn) LIG (ATS ₹ 1.5 Mn – ₹ 5 Mn) MIG & above (ATS >₹ 5 Mn) Value of units (₹ Tn) Shortage of housing Units (Mn) Aggregate loan demand (₹ Tn) Persistent urban housing shortage + strong end-user demand in lower- income segments Government push via PMAY and interest subsidies improving affordability Migration to Tier 2/3 cities driving incremental housing demand Shift from informal lenders to organized housing finance companies Rising formal income penetration enabling credit eligibility expansion Housing Loan Credit Gap / Demand Potential Large Addressable Market Opportunity across Focus Segments : Housing Loans Structural housing demand continues to drive sustained mortgage-led credit growth 60
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“I wanted some funds for my son's education fees. Capri Loans helped me access the required funds with a fully digital process and good interest rates. Even my interest payments are done online.” “Today people respect me in my neighbourhood because of my own home. Thank you Capri Global Housing Finance Limited, for financing my dream home.” – Pravin Devekar (Security Guard) “When I applied for the loan, I didn’t have to face a lot of difficulties. The staff from Capri Global came to see the property, my work & my documents. I had to go Capri office just once to collect the cheque.” – Arun Gupta (Cosmetics Store) “Capri offered me a good interest rate and very good per-gram rate as well. With the Capri App, making payments became very easy staff were extremely supportive and co-operative, the entire payment process has become very smooth.” – Raghvendra Bhat (Event Management Business) “I was able to realize my dream only because of Capri Global Housing Finance Limited. Thank you for taking care of individuals like me.” – Raghavendra Joshi (Rickshaw Driver) – Sheetal Makwana (Home Maker) “I am extremely grateful to Capri Global for helping me get my business done. I got my loan sanctioned in just 15- 20 days. Today I have a surplus of good in my shop and every distributor in the area is eager to work with us.” – CG Baidnath (Kitchenware Store) Gold loans MSME loans Housing loans Delivering Impactful Customer Outcomes 61
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Building the Brand Capri Loans – Brand Ambassadors Key Brand Ambassadors amplify the Brand message and build resonance and affinity with our target audience Lady Superstar Nayanthara along with acclaimed actor Pankaj Tripathi, reinforce Capri Loans' commitment to building a strong and relatable connect with regional audiences across the country. Together, the two Brand Ambassadors represent the company's vision of creating deeper resonance with diverse customer segments across India. 62
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Established Capri Loans in South India with 2 brand campaigns starring Nayanthara: #DreamsGetWings & #TryCapriGoldLoans The idea was to drive brand awareness & active product consideration, while inviting them to try the brand thereby driving footfalls We didn’t just launch a Gold Loan campaign in South India. We built Capri Loans’ place in the conversation. 141 Mn+ Campaign Reach +173% Gold Loan Search Growth 93.8% Positive Visibility Impact Building the Brand Capri Loans 63
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Corporate Environment Excellence Award by World Environment Council in 2026 Best AI / Machine Learning initiative, Compliance initiative & New Application Development Awards - by Banking Frontiers 2025 National Housing Bank – Winner in the Category of Growth in Housing Loan (Asset size : ₹100 Cr to ₹ 500 Cr), 2025 Great Place to Work - Awarded for 5 consecutive years Best CSR initiative in Non-Banking Sector by Bharat CSR & Sustainability Awards, 2025 Awards and Recognitions 64 Best Brands – 2024 award at the ET Now Best Brands Conclave 2024 Excellence in AI-Driven Financial Services & Innovation award at the ET Business Excellence & Leadership Summit 2026 Best TV Advertising Campaign for 2025 & 2026 by Afaqs Bankfin 360 – Excellence in BFSI Marketing Awards Sustainability Reporting & Transparency Excellence Award at the BW Sustainable World Awards 2026 64
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65 This presentation and the accompanying slides (the “Presentation”), which have been prepared by Capri Global Capital Limited (the “Company”), have been prepared solely for information purposes only and does not constitute any offer or invitation, directly or indirectly, in any manner, or inducement to sell or issue, or any solicitation of any offer to purchase or subscribe for any securities of the Company in any jurisdiction and no part of it shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the Company. This Presentation is not a prospectus, disclosure document, a statement in lieu of a prospectus, an offering circular, an advertisement or an offer document under the Companies Act, 2013, and the rules made thereunder, as amended, the Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2018, as amended, or any other applicable law in India. This Presentation should not be considered as a recommendation that any investor should subscribe for or purchase any securities of the Company or its subsidiary (collectively, the “Group”) and should not be used as a basis for any investment decision. The information contained in this Presentation is only current as of its date and has not been independently verified. The Group will not update you in the event the information in the Presentation becomes stale. Moreover, both express or implied representation or warranty is made as to, and no reliance should be placed on, the truth, accuracy, fairness, reasonableness or completeness of the information presented or contained in this Presentation and nothing in this Presentation shall be relied upon as a promise or representation in this respect, whether as to the past or the future. None of the Group or any of its affiliates, advisers or representatives accept any liability whatsoever for any loss howsoever arising from any information presented or contained in this Presentation. Furthermore, no person is authorized to give any information or make any representation which is not contained in, or is inconsistent with, this Presentation. Any such extraneous or inconsistent information or representation, if given or made, should not be relied upon as having been authorized by or on behalf of the Group. This Presentation is being given solely for your information and for your use, and may not be copied, reproduced or redistributed to any other person in any manner. The distribution of this Presentation in certain jurisdictions may be restricted by law. Accordingly, any persons in possession of this Presentation should inform themselves about and observe any such restrictions. This Presentation is not a complete description of the Company. Certain statements in the Presentation may contain statements regarding the Company’s market opportunity and business prospects that are individually and collectively forward-looking statements. All forward-looking statements are based on judgments derived from the information available to the Company at this time. Such forward-looking statements are subject to risks, uncertainties and assumptions that could cause actual results to differ materially from those contemplated by the relevant forward- looking statement. Any opinion, estimate or projection herein constitutes a judgment as of the date of this Presentation, and there can be no assurance that future results or events will be consistent with any such opinion, estimate or projection. The Company assumes no obligation to update any forward-looking information contained in this Presentation. Any forward-looking statements and projections made by third parties included in this Presentation are not adopted by the Company and the Company is not responsible for such third-party statements and projections. Given these uncertainties and other factors, viewers of this Presentation are cautioned not to place undue reliance on these forward-looking statements. All information contained in this Presentation has been prepared solely by the Company based on information and data which the Company considers reliable. This Presentation may not be all inclusive and may not contain all of the information that you may consider material. Disclaimer
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Thank You! COMPANY : Ms. Shweta Daptardar investor.relation@capriglobal.in M: +91 9930 794999 For Further information, please contact : Mr. Irfan Raeen irfan.raeen@in.mpms.mufg.com M: +91 97737 78669 Ms. Prachi Ambre PrachI.ambre@in.mpms.mufg.com M: +91 83559 85370 Meeting Request Link Link INVESTOR RELATIONS ADVISORS: MUFG Intime India Private Limited (A part of MUFG Corporate Markets, a division of MUFG Pension & Market Services)