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MSME stress in Madhya Pradesh
View Risks →Capri Global Capital Limited — Q1 FY26
Capri Global Capital reported a strong Q1 FY26 with PAT surging 131% YoY to ₹175 crore, driven by robust AUM growth of 42% YoY to ₹24,754 crore.
bullish
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Capri Global Capital reported a strong Q1 FY26 with PAT surging 131% YoY to ₹175 crore, driven by robust AUM growth of 42% YoY to ₹24,754 crore. The gold loan portfolio led with 69% YoY growth, while housing and construction finance also performed well. Disbursements grew 51% YoY to ₹8,458 crore. The company successfully raised ₹2,000 crore via QIP, strengthening the balance sheet. Management reiterated its 30% AUM growth guidance for FY26 and expects cost of funds to decline by 30-40 bps by year-end. Credit costs are guided to remain below 70 bps. A key risk is rising stress in the MSME segment, particularly in Madhya Pradesh, though management is cautiously underwriting and leveraging technology to mitigate defaults.
कैप्री ग्लोबल कैपिटल ने पहली तिमाही में शानदार प्रदर्शन किया। कंपनी का मुनाफा पिछले साल की तुलना में 131% बढ़कर 175 करोड़ रुपये हो गया। इसकी वजह कर्ज देने में 42% की बढ़ोतरी है, जो अब 24,754 करोड़ रुपये है। सोने के कर्ज में 69% की उछाल आई, जबकि घर और निर्माण के कर्ज ने भी अच्छा प्रदर्शन किया। कंपनी ने 2,000 करोड़ रुपये जुटाए, जिससे उसकी वित्तीय स्थिति मजबूत हुई। प्रबंधन का कहना है कि इस साल कर्ज देने में 30% बढ़ोतरी होगी और ब्याज दरें 30-40 आधार अंक घटेंगी। हालांकि, छोटे कारोबारियों को कर्ज देने में जोखिम बढ़ रहा है, खासकर मध्य प्रदेश में। इसलिए कंपनी सावधानी से कर्ज दे रही है और तकनीक का इस्तेमाल कर डिफॉल्ट कम कर रही है।
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Read Transcript →Quarter Snapshot
AUM
₹24,754 Cr
+42% YoY
Consolidated assets under management grew 42% year-on-year, driven by gold loans and housing.
Gold Loan AUM
₹9,150 Cr
+69% YoY
Gold loan portfolio surged 69% YoY, supported by 821 specialized branches and high repeat borrowers.
Disbursements
₹8,458 Cr
+51% YoY
Disbursements grew 51% YoY, driven by expanding distribution and improved customer onboarding.
Cost-to-Income Ratio
49%
-1600bps YoY
Cost-to-income ratio improved to 49% from 65% a year ago, reflecting operating leverage and technology adoption.
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Guidance and risk preview
Management expects to maintain 30% AUM growth for the current fiscal year, with a target of ₹50,000 crore AUM by FY28.
Management noted increased slippages in MSME loans from Madhya Pradesh and is toning down disbursements in that state.
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