News ArticleCapri Global Capital Reports Q2 FY27 PAT of Rs 418 Crores on Rs 43,878 Crores AUM, Driven by 102% Growth in Gold Loans
Net interest income up 69% YoY, operating profit increases 84%, with strong branch expansion and controlled asset quality
Capri Global Capital Limited reported a 77% year-on-year surge in profit after tax to Rs 418 crores for the quarter ended September 30, 2026. Consolidated assets under management rose 62.3% YoY to Rs 43,878 crores, led by strong growth in gold loans, construction finance, affordable housing, and MSME loans. The company improved its return on equity to 21.6% and return on assets to 4.4%, while expanding its branch network to 1,609 locations and maintaining a robust capital position.
Capri Global Capital Limited
General / Other
Capri Global Capital Limited announced its unaudited consolidated financial results for the quarter ended September 30, 2026, with profit after tax reaching a record Rs 418 crores, a 77% increase year-on-year. The company's consolidated assets under management grew 62.3% to Rs 43,878 crores, driven by significant expansion across all key loan segments.
The company posted a 69% year-on-year rise in net interest income to Rs 812 crores and an 84% increase in operating profit to Rs 636 crores. Cost-to-income ratio improved to 41.4%, reflecting enhanced operational efficiency. Return on average equity (RoAE) climbed to 21.6%, while return on average assets (RoAA) was 4.4%.
The gold loan portfolio saw the most substantial growth, doubling to Rs 21,004 crores compared with the previous year, representing approximately 48% of the total assets under management. Other loan segments such as construction finance, affordable housing, and MSME loans increased by 49%, 39%, and 25% respectively.
Non-interest income grew 34% year-on-year to Rs 273 crores, fueled by insurance and car loan distribution income, enhancing the company's fee-based revenue streams. The branch network expanded to 1,609 branches, supporting the company's growing customer base and operational scale.
Asset quality remained stable with gross Stage 3 assets at 1.2% of the loan book. The standalone capital adequacy ratio was robust at 22.7%, and the company's cash and bank balances amounted to Rs 2,835 crores, underpinning liquidity for ongoing growth.
For the half year ended September 30, 2026, Capri Global Capital recorded an 88% increase in profit after tax to Rs 772 crores and a 78% rise in operating profit to Rs 1,168 crores, demonstrating sustained financial momentum.
Highlights
- Consolidated assets under management (AUM) reached Rs 43,878 crores, up 62.3% YoY and 9.4% quarter-on-quarter.
- Profit after tax (PAT) increased 77% YoY to Rs 418 crores, the highest quarterly PAT ever.
- Net interest income rose 69% YoY to Rs 812 crores; operating profit grew 84% YoY to Rs 636 crores.
- Gold loan portfolio doubled to Rs 21,004 crores, comprising 48% of total AUM.
- Cost-to-income ratio improved to 41.4% from 49.4% in 2QFY26.
- Branch network expanded to 1,609 locations with increased productivity and technology integration supporting efficiencies.
Key Data Snapshot
What happened
- Capri Global Capital Limited posted a record quarterly profit after tax of Rs 418 crores for the quarter ended September 30, 2026, a 77% increase from the prior year.
- Consolidated assets under management grew by 62.3% year-on-year to Rs 43,878 crores, driven by broad-based loan portfolio expansion.
- Gold loans doubled to Rs 21,004 crores, making up nearly half of the total loan assets.
Key details
- Net interest income rose 69% year-on-year to Rs 812 crores; operating profit increased by 84% to Rs 636 crores.
- Cost-to-income ratio improved substantially to 41.4%, supporting higher profitability.
- Return on average equity improved to 21.6% and return on average assets reached 4.4%.
- Branch network expanded to 1,609 locations, including 1,154 gold loan branches and 455 non-gold branches.
- Non-interest income contributed Rs 273 crores, growing 34% year-on-year due to increased insurance and car loan distribution incomes.
Financial performance
- Half-year results showed net interest income of Rs 1,549 crores, a 74% increase from the prior year.
- Operating profit for the half year grew 78% to Rs 1,168 crores, with profit after tax rising 88% to Rs 772 crores.
- The company maintained a strong capital position with standalone CRAR of 22.7%.
Operational performance
- Gross Stage 3 assets were contained at 1.2% of the loan book, indicating manageable asset quality.
- Credit costs were Rs 79 crores for the quarter, equivalent to 0.8% of average total assets on an annualised basis.
- Cash and bank balances totaled Rs 2,835 crores, ensuring liquidity for growth.
Highlights
- Consolidated assets under management (AUM) reached Rs 43,878 crores, up 62.3% YoY and 9.4% quarter-on-quarter.
- Profit after tax (PAT) increased 77% YoY to Rs 418 crores, the highest quarterly PAT ever.
- Net interest income rose 69% YoY to Rs 812 crores; operating profit grew 84% YoY to Rs 636 crores.
- Gold loan portfolio doubled to Rs 21,004 crores, comprising 48% of total AUM.
- Cost-to-income ratio improved to 41.4% from 49.4% in 2QFY26.
- Branch network expanded to 1,609 locations with increased productivity and technology integration supporting efficiencies.
Disclosures
- Limited review report by joint statutory auditors
Source Information
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