What we do Capri Global Capital Ltd is a tech-enabled, retail-focused non-banking finance company providing secured loans across MSME, housing, gold loans, construction finance, and car loans. |
Founded in 1,994 |
Market share Rapidly growing NBFC with diversified portfolio and significant retail presence across northern and western India, operating over 1,300 branches. |
Problem solved Addresses credit gaps in underserved retail and small enterprise segments, expanding access to secured financial products tailored to emerging needs. |
Top clients or who we serve Primarily self-employed, salaried individuals, MSMEs, first-time home buyers, and small developers in semi-urban and rural India segments, B2C focus. |
Key management Rajesh Sharma (Managing Director) with 25+ years finance experience; strong independent board with expertise in banking, finance and governance. |
Our journey and innovations Founded in 1994, Capri evolved via strategic acquisitions and product expansions, launching gold loans, co-lending, car loan distribution, and tech-driven underwriting platforms. |
Where we operate Operates in over 19 Indian states, mainly North and West India, with presence expanding into Southern states and multiple urban and semi-urban centers. |
Top products or what we offer MSME loans, affordable housing finance, gold loans, retail construction finance, and car loan distribution with digital and AI-enabled processes. |
Top brands Capri Loans (flagship brand); notable for gold loan rapid growth and comprehensive loan distribution reach across 1,331 branches. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Most revenue is recurring from loan interest and fee income; non-cyclical with stable growth linked to retail credit demand. |
Our industry position Among top 20 NBFCs in India by assets; strong credit quality with GNPA ~1%, supported by granular, secured portfolio and technology. |
Financial highlights FY25 consolidated revenue ₹32,508 million; PAT ₹4,785 million; AUM ₹228,602 million; 50% CAGR in AUM over recent years; robust capital adequacy. |
Geographical revenue split Majority revenue from northern and western Indian states, expanding presence in southern states through branch additions and co-lending. |
Order book - |
Whats driving growth Strong retail credit demand, expansion into new products and regions, technology adoption, co-lending partnerships, and increased loan disbursements. |
Our future plans Plan to reach ₹550 billion AUM by FY28 through branch expansion, product diversification, digital innovation, and co-lending scale-up. |
Our green promise Committed to environmental sustainability with initiatives in energy efficiency, water conservation, green procurement, and ESG governance. |
Our people and values Over 13,000 employees; focus on diversity, training, inclusive culture, ethical practices, and employee ownership through ESOP schemes. |
Key challenges ahead Managing credit risk amid macro-economic volatility, regulatory compliance, competition, and sustaining asset quality during rapid scale. |
Interesting facts First NBFC to secure S&P Global ESG top quartile rating; fastest to scale gold loan AUM per branch; certified Great Place to Work. |
Risks and strategy Risks include credit defaults, market fluctuations; mitigated via technology-driven underwriting, diversified portfolio, strong governance, and risk management. |
