Capri Global Capital Limited Q3 FY26 Earnings Call Transcript Released
Capri Global Capital Limited released its Q3 FY26 earnings call transcript. The company reported a 99% year-on-year profit increase to ₹255 crore on a 47% AUM growth to ₹30,406 crore. Gold Loan AUM grew 80%, housing loans 40%, and co-lending AUM 93%. Net interest income rose 48% to ₹510 crore, and non-interest income surged 124% to ₹240 crore.
The announcement contains detailed financial results and operational highlights, including significant growth metrics across various business segments, which are material information for investors.
The company reported strong year-on-year growth in profits, AUM, disbursements, and net interest income, alongside improvements in asset quality and cost efficiency, indicating a positive financial performance.
Capri Global Capital Limited has released the transcript of its earnings conference call for the third quarter and nine months ended December 31, 2025. The call was held on Monday, February 2, 2026. The company reported a strong quarterly performance with a 99% year-on-year increase in profit to ₹255 crore. Consolidated Assets Under Management (AUM) grew by 47% year-on-year to ₹30,406 crore. The Gold Loan business saw an 80% year-on-year growth, while housing loans increased by 40%. Co-lending AUM surged by 93% year-on-year to ₹7,138 crore, now representing 23.5% of total AUM. Disbursements for the quarter rose by 87% year-on-year to ₹10,879 crore.
The company expanded its Gold Loan branch network with a net addition of 68 branches, entering new geographies like Orissa, Andhra Pradesh, Telangana, and Karnataka. Gold Loan AUM increased by 26% sequentially to ₹12,799 crore, with gross NPAs at a low 0.39%. MSME AUM grew by 19% year-on-year to ₹5,886 crore, with new operations commenced in Mumbai, Pune, and Delhi. Housing AUM stood at ₹6,490 crore, a 40% year-on-year growth, with expansion into Andhra Pradesh and Karnataka. Construction finance AUM grew by 37% year-on-year to ₹5,109 crore.
Net interest income for Q3 FY26 was ₹510 crore, a 48% increase year-on-year. Non-interest income grew by 124% year-on-year to ₹240 crore, contributing 32% of net total income, driven by insurance distribution and co-lending fees. The company's cost-to-income ratio improved to 51.6% from 58.2% year-on-year. Profit After Tax (PAT) was ₹255 crore, up 99% year-on-year, with ROE at 15% and ROA at 4%. Stage 3 assets at a consolidated level were ₹275 crore, resulting in a gross Stage 3 ratio of 1.2%, down 10 basis points sequentially. Borrowings increased by 38% year-on-year, and the cost of funds reduced by 24 basis points quarter-on-quarter. The company highlighted its technology investments, including an AI-first lending platform, which have improved disbursement speed and risk management.
What to do with a filing like this
Capri Global Capital Limited filed this with the NSE as a statutory disclosure, categorised under concall transcript released. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
That call is the part a filing cannot make for you. On RealCase, SEBI-registered research analysts and investment advisers read announcements like this one and turn the ones that matter into actions inside their model portfolios: a change in weight, a hold, or nothing at all. You are not left working out which of the roughly 250 filings published each day needs a response. The portfolio you follow is updated when a filing actually warrants it, with the reason written down.
See the model portfoliosA plain-language summary of a public exchange filing by Capri Global Capital Limited. Read the original for the full detail.