CGCL / Q3-FY26 / claim-ledger

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Capri Global Capital · Analyst questions, management answers, and the quality of the response where the ledger is available.

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PositiveQ3-FY26 · 2026-01-29Back to quarter ↗

Questions audited

Answered directly

75%

Numeric claims

Consistency

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Question ledger

What was answered, and how?

Amani · Init

partial

Benchmarks for AUM per branch/employee signaling transition to operating leverage in gold and microlab.

gold loan is we have narrated in our call also that it has already crossed 14.1 cr per branch AUM and uh we expect this golden AUM continue to grow...

Amani · Init

direct

Outlook on gold yields and overall yield given portfolio mix shift.

gold yields are currently in the range of about 17.8%... we expect the gold loan to remain in the range about 18% likely there will be improvement about 20 25 bases going forward...

Sil Canal · ULK Financial Services

direct

Will co-lending share keep increasing from 23.5%?

I think gold coing will remain largely in the current range of between 20 to 23% it we don't do not intend to grow it further from this level...

Sil Canal · ULK Financial Services

direct

Scenarios for loss/provisioning if gold prices fall significantly.

we follow the very conservative practice... portfolio level our entry is 60% overall... we have a portfolio level 40% margin...

Vun Ruv · Share India Securities

partial

Reason for decline in NIM to 9.1% and guidance on spread of 7.2%.

spread have not come down the spread has improved from 6.9 to 7%... we given a guidance of 7.2 which we we hope to deliver that.

Vun Ruv · Share India Securities

evasive

Gold branch addition target for FY27 and regulatory approval status.

in the second half of FY 27, we'll announce the expansion of our golden branches based on what time we approach and subject to our approval...

Isham Gupta · Choice Institutional Equities

direct

Reason for sharp decline in gold loan yields and expansion outlook.

the decline in the yield in Q3 FI26 compared to Q2 FI26 is directly linked to our strategy of expanding the retail loan book with a particular focus on a smaller digger size loan in rural markets.

Isham Gupta · Choice Institutional Equities

direct

Exposure to MSME sector and AUM outlook for next 1-2 years.

gold is about 42%... this will improve to about 45 46. As regards MSME and construction finance and housing, they will largely remain in the range of about 18 to 20% each.

Pet · West Advisors

evasive

Impact of higher government borrowings on cost of funds for FY27.

if the cost goes up then by all the lenders that is actually get passed on to the borrower... any cost reduction which we achieve because of a mix of borrowing... that benefit will directly equate to the P&L.

Pet · West Advisors

direct

Gold LTV comfort level and price fall tolerance.

our portfolio currently sitting at 60... 35% margin you taking even the gold loan prices fall 10%... still that till then it will remain within 75% range...

Pet · West Advisors

direct

Growth momentum for Q4 and next financial year, and guidance.

we have said that this year we will continue to deliver a growth to be in the range of about 33,000 to 34,000... Next year we revis our guidance to deliver anything between about 43 to 44,000.

Mokshanki · PST Advisors

direct

Clarification on CEO resignation within 4 months and market rumors.

Mr. Monu was based through and throughout from Delhi... he thought and reconsidered his decision... he would like to pursue some entrepreneurial opportunity...