Capri Global Capital's Q1FY27 PAT Soars 102% YoY to ₹353 Cr; AuM Crosses ₹40,000 Cr
Capri Global Capital reported a 102% YoY increase in Q1FY27 PAT to ₹353 Cr, with consolidated AuM crossing ₹40,000 Cr, up 62% YoY. RoAE improved to 19.1% and RoAA to 4.1%. The company revised its FY28 guidance to achieve ₹65,000 Cr AuM with a 30%+ CAGR.
The significant increase in PAT, substantial growth in AuM, and upward revision of future growth guidance are material positive developments for the company.
The company reported strong year-on-year growth in PAT, AuM, and key profitability metrics like RoAE and RoAA. The revised guidance for future growth is also positive.
Capri Global Capital Limited (CGCL) announced its unaudited standalone and consolidated financial results for the quarter ended June 30, 2026, reporting a robust performance. The company's consolidated Assets Under Management (AuM) surged by 62% year-on-year (YoY) to ₹40,112 crores, driven by a significant 111% YoY increase in Gold Loans, a 24% YoY rise in MSME Loans, and a 42% YoY increase in Housing Loans. The customer base expanded to over 7.6 lakhs.
Profitability saw a substantial improvement, with Profit After Tax (PAT) for the quarter increasing by 102% YoY to ₹353 crores. This was attributed to strong margin expansion, improved operating efficiency, and consistent growth across business segments. Return on Average Equity (RoAE) stood at 19.1% and Return on Average Assets (RoAA) at 4.1% for 1QFY27, compared to 13.0% and 3.2% respectively in the prior year quarter. Net Interest Income grew by 79% YoY to ₹736 crores.
Non-Interest income complemented the lending business, growing 28% YoY to ₹217 crores, contributing 23% to the net total income. The insurance distribution business generated ₹42 crores in net fee income, up 66% YoY, and car loan distribution income grew 37% YoY to ₹32 crores. Income from off-book arrangements was ₹65 crores.
Operating efficiency continued to improve, with the cost-to-income ratio declining to 44.2% from 46.5% in the previous year. Pre-provision operating profit surged 71% YoY to ₹532 crores. Asset quality remained under control, with a Gross Non-Performing Asset (GNPA) ratio of 1.1% and a Net Non-Performing Asset (NNPA) ratio of 0.6%. The provision coverage ratio on stage 3 loans was robust at 43.2%.
CGCL's standalone Capital Adequacy Ratio (CRAR) was 24.7%, and consolidated total equity stood at ₹7,565 crores, an 18% YoY increase. The company has revised its guidance to achieve AuM of ₹65,000 crores (₹650 billion) with a 30%+ CAGR by FY28, aiming for a consistent RoAE of 19%-21% and RoAA of 4.2%-4.7%.
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