Gold price volatility risk
A sharp correction in gold prices could trigger margin calls and increase provisioning, though portfolio LTV of 60% provides a buffer.
CGCL / Q3-FY26 / risks
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Capri Global Capital · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
CEO resignation raises governance concerns
The CEO appointed in Q2 resigned within 4 months, citing entrepreneurial aspirations. Management downplayed the impact, but the short tenure may signal internal issues.
Competition from banks in gold loans
Banks offer gold loans at sub-10% rates vs NBFCs at 15-18%. While management claims different customer segments, rate differential could pressure growth.
Rising cost of funds from government borrowing
Higher government borrowing could increase overall interest rates, potentially raising Capri Global's cost of funds and compressing spreads.