CAPRI GLOBAL CAPITAL Results Analysis-Q2FY2027

Financial performance and key operating metrics (Consolidated) : Interest Earned for Q2FY27 is Rs. 1,465 Crs., 65.4% growth YoY, Net Interest Income is Rs. 812 Crs., 69.4% growth YoY, Total Income is Rs. 1,788 Crs., 59.1% growth YoY, Pre-Provisioning Operating Profit is Rs. 636 Crs., 84.3% growth YoY, PBT is Rs. 557 Crs., 77.3% growth YoY, Net profit is Rs. 418 Crs., 77.3% growth YoY. On QoQ basis Interest Earned has achieved 10.7% growth, Net Interest Income has grown by 10.3%, Total Income has grown by 13.1%, Pre-Provisioning Operating Profit has grown by 19.6%, PBT grown by 18.5%, PAT is grown also by 18.4%. For Q2FY27 Gross NPA 1.2% vs 1.3% in Q2FY26, Net NPA 0.8% vs 0.7% in Q2FY26. Return on Assets is 4.4% improved by 40 BPS YoY, Return on Equity is 21.6% improved by 720 BPS YoY. Net Interest Margin improved by 10 BPS YoY to 9.6%. Consolidated AUM is 43878 Cr. grown by 62.3% YoY. Segment growth : Gold +102% YoY, MSME +25% YoY, Housing +39% YoY, Construction finance +51% YoY Material inflection in profitability driven by (1) mix shift to higher-yield products, (2) operating leverage from branch scale and tech, and (3) higher fee income. Branch expansion accelerated: +176 net branches in Q2, taking total to 1,609; 1,154 dedicated to gold loans. Gold technical delinquency expected to normalize “by the end of the next quarter” after discontinuing short-tenor products.