Rajesh Sharma
Managing Director and Promoter
Promise Delivery Record
Spread guidance of 7.2%
✗ MISSED
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
Capri Global Capital · Q4 FY26
Cost of funds reduction of 24-25 bps in 3-6 months
✗ MISSED
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
Capri Global Capital · Q4 FY26
30% AUM growth for FY26
✓ MET
Current-quarter results and commentary indicate the prior promise was delivered or materially on track.
Capri Global Capital · Q2 FY26Notable Quotes
Capri technology and AI has become a mode and not merely a tool.
We have built and deployed our own specialized small language model that is domain trained model purpose built for financial services use cases in India.
Our gold loan mix can reach about 50%.
Our performance is not just the outcome of incremental manpower. It is also the product of scaling our systems.
We have built an AI first lending platform from the ground up and embedded at the core of our credit architecture.
We intend to maintain this level [of co-lending]... it is a collaboration between the low cost fund and the low cost collection efficiency of NBFC.
We are well placed to deliver 25 to 30% annual AUM growth and sustainable return on average equity of 16 to 18% plus return on average assets of 4 to 4 and a half% by FY28.
Our gold loan grew an impressive 58% year-on-year while housing loans rose 37% year-on-year.
I do not think that our credit cost will go up more than 1% ever.
We are going to remain on course for a 30% growth and we don't think we are going to exceed that this year.
Our gross NPA will never cross 2%. Net NPA will never cross 1.2%.
We are quite confident to achieve the 30% growth for next few years by targeting the AUM of 50,000 crore by FY 2028 and maintaining our ROA at 3.5% upwards.