Capri Global Capital Ltd. — Q1 FY27 earnings call

A20491 Encl.: As Above Q1FY27 Earnings Presentation 27th July 2026 Business Updates 1 Quarterly Financial Performance 2 Board & Management 5 Strategic Outlook 4 Annual Financial Performance 3 Table of Content ESG 6 Annexure 7 Quarterly Performance Highlights (In ₹ mn unless stated otherwise) AUM Net Interest Income Non Interest Income Operating Profit PAT Cost-Income Ratio (%) NNPA (%) RoAE (%) RoAA (%) Operating Expenses 3 QoQ Q1FY26 4,125 1,692 3,115 1,749 46.5% 1.0% 13.0% 3.2% 2,702 247,538 Q4FY26 366,233 5,956 2,467 4,263 2,828 49.4% 0.5% 16.0% 3.8% 4,160 10% 24% (12)% 1% 25% 25% (521) bps 6 bps 313 bps 31 bps YoY 62% 79% 28% 56% 71% 102% (227) bps (39) bps 612 bps 91 bps Q1FY27 401,116 7,364 2,169 4,212 5,321 3,534 44.2% 0.6% 19.1% 4.1% 1 Business Updates Business Update 5 Consolidated AUM up 62% YoY • MSME, Gold, and Housing AUM values are inclusive of co-lending and Directly Assigned AUM. Refer next slide for further details. 22.1% 20.7% 19.4% 17.7% 16.9% 36.8% 38.5% 42.1% 46.3% 47.8% 22.2% 22.1% 21.3% 20.3% 19.5% 18.3% 18.4% 16.8% 15.6% 15.8% 0.6% 0.3% 0.4% 0.1% 0.0% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 MSME Gold Housing CF Others 54,779 56,019 58,862 64,859 67,791 91,049 104,065 127,992 169,646 191,786 54,903 59,723 64,900 74,469 78,153 45,206 49,690 51,090 57,081 63,316 1,600 903 1,222 178 71 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 MSME Gold Housing CF Others 247,538 270,401 304,065 366,233 401,116 AUM Break Up (₹ mn) Composition of AUM (%)

MSME AUM includes MSME, Solar & Micro LAP Retail AUM 6 Housing AUM (₹ mn) Co-lending includes Direct Assignment; CLM: Co-Lending Leveraging co-lending & DA for capital efficient growth 47,356 51,476 55,604 64,889 67,404 7,547 8,247 9,296 9,580 10,749 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Housing Housing-CLM 54,903 59,723 64,900 74,469 Co-Lending/DA AUM (₹ mn) 10,319 10,923 11,908 14,566 14,026 28,942 37,601 50,179 53,685 56,487 7,547 8,247 9,296 9,580 10,749 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 MSME-CLM Gold CLM Housing CLM 46,808 56,772 71,383 77,831 81,263 18.9% 21.0% 23.5% 21.3% CLM AUM/Cons.AUM MSME AUM (₹ mn) 44,460 45,096 46,954 50,293 53,765 10,319 10,923 11,908 14,566 14,026 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 MSME MSME-CLM 54,779 56,019 58,862 64,859 62,107 66,464 77,813 115,961 135,299 28,942 37,601 50,179 53,685 56,487 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Gold Gold-CLM Gold AUM (₹ mn) 91,049 104,065 127,992 169,646 20.3% 67,791 191,786 78,153 Gold Loan Business Update Strong customer acquisition momentum driving portfolio growth 138 146 139 167 191 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Average Ticket Size (On Portfolio) (₹ ‘000s) Live Accounts 7 111 124 141 170 192 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 16.0 16.4 17.2 19.0 20.2 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Collateral Weight in Custody (in Tonnes) Loan to Value (%) (Incremental Disbursals) AUM/Branch (₹ Mn) 71.7% 72.0% 72.0% 69.9% 70.5% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 658,030 714,459 917,892 1,018,080 1,001,740 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Geographical Distribution (AUM - Wise) 20% 18% 14% 12% 11% 8% 7% 4% 6% Rajasthan Uttar Pradesh Madhya Pradesh Gujarat Punjab & Haryana Maharashtra Delhi-NCR Uttarakhand Others MSME Business Update Well-diversified granular book across industry 1.0 1.2 1.2 1.3 1.6 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Average Ticket Size (Incr. Sanctions) (₹ mn)* Live Accounts Loan to Value (%) (Incremental Disbursals) Geographical Distribution (AUM-Wise) 43,568 45,505 49,017 54,849 57,058 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 50.7% 51.6% 50.1% 52.0% 53.0% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 38% 22% 22% 4% 5% 3%2% 3% Rajasthan Madhya Pradesh Gujarat Delhi-NCR Andhra Pradesh Telangana Maharashtra Uttar Pradesh 8 Salaried 3% Self- employed 97%

MSME Business Update includes MSME, Micro LAP & Solar; *ATS calculated as sanction amount by number of accounts sanctioned Housing Finance Business Update Expanding customer base with a diversified and a self-employed led portfolio Average Ticket Size (Incr. Disbursals) (₹ mn) Live Accounts Loan to Value (%) (Incremental Disbursals) Geographical Distribution (AUM-Wise) 56.7% 56.1% 53.8% 53.2% 52.6% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 22% 22% 19% 13% 8% 6% 3% 3% 4% Madhya Pradesh Rajasthan Delhi-NCR Gujarat Maharashtra Uttar Pradesh Telangana Karnataka Others 9 38,244 40,188 42,399 46,093 47,588 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Salaried 25% Self- employed 75% 2.0 2.1 2.1 2.4 2.2 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27

Housing Finance represents CGHFL entity Construction Finance Business Update Strong pipeline of new accounts; AUM growth of 40% YoY Average Ticket Size (₹ mn) Live Accounts Geographical Distribution (AUM-Wise) 10 280 286 279 282 291 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 23% 10% 21% 12% 14% 12% 7% 1% Mumbai Maharashtra Gujarat Karnataka Delhi-NCR Telangana TamilNadu Andhra Pradesh 161.4 173.0 182.0 202.4 212.7 413.9 521.0 365.5 481.5 408.1 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Outstanding Sanction Insurance Distribution - Asset Light Income Stream Strategic Partnerships with 22 Insurance Companies General Insurance Companies 8 Health Insurance Companies 4 Life Insurance Companies • Life Insurance • Credit Life Cover • Term Plan • Property Cover • Private Car & 2- Wheeler • Retail & Group Health • Hospi Daily Cash • CI & PA* • EMI Protect Policies | Key Statistics *CI: Critical Illness; PA: Personal Accident Policy Buy & Compare portal for sales team with multiple product offering Digital customer on-boarding journey Dedicated claims desk - pre & post service Real Time Policy Issuance through digital consent ✓ Digital Innovation & Service Excellence ✓ ✓ ✓ Insurance Ki Pathashalla – insurance product and process education initiative ✓ Customer Sourcing and On-Boarding Insurance Product offering to Loan customers as embedded product ✓ Cross-Selling of Health and Motor Insurance for penetration in tier II, III, IV cities and rural area ✓ Suitable product offerings WhatsApp links with 2-click buying journey ✓ 11 Gold 26% Housing 36% MSME 32% Others 6% Cross Sell 31% Direct 69% *By premium (Q1FY27) Health & Wellness 63% Life 26% General 11% 1,289 2,732 FY25 FY26 Total Premium (Rs mn) 10 ₹ 652 mn ₹ 652 mn ₹ 652 mn Car Loan Origination Pan-India presence 12 02 80 69 01 75 43 34 44 17 24 39 29 27 03 01 09 04 04 05 03 02 62 52 15 23 04 Partner Banks & Financial Institutions Total Locations (Branches + Feet-on-Street) Pan-India coverage through presence in 821 locations in 30 States & UTs Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 821 821 821 821 821 417 57 16 04 26 36 05 56,939 97,415 105,519 119,097 51,384 94,636 100,744 110,316 FY23 FY24 FY25 FY26 Originations Volume Car Loan Origination 43% YoY increase in the value of loan originations for the quarter Consistently Rising Loan Originations (₹ mn)^ Loan Originations (₹ mn) and Volume Full Year Basis (Nos.)^ Loan Originations By Volume (Nos.)^ Average Ticket Size (₹ mn) *^ 13 0.90 1.15 1.09 1.17 1.20 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 22,978 28,304 32,898 34,918 32,829 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 25,514 24,591 30,301 29,910 27,443 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 * ATS = Originations by Value / Originations by Volume During Quarter ^Provisional data pertaining to previous quarters has been re-stated Branch Network 14 MSME, Housing Finance, Construction Finance and Car Loan Distribution 433 Branches in 18 States & UTs Non-Gold Gold Gold Loan Branches 1,000 Branches in 15 States & UTs 562 999 1,000 FY23 FY26 Q1FY27 174 430 433 FY23 FY26 Q1FY27 ➢Total branch network of 1,433 branches ➢Dedicated tech center in Gurgaon, Noida and Bangalore Significant upside through economies of scale and productivity improvement from existing deployed network capacity 102 51 14 59 48 26 38 60 01 01 01 01 01 01 11 25 137 11 168 131 98 117 74 05 108 Widening reach, Strengthening presence nationwide 12 06 11 09 27 45 33 1 Network 15 Expanding footprint to accelerate customer acquisition Steady Growth in Branch Additions^ Modest Increase in Employee Base 317 382 421 430 433 821 842 910 999 1,000 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Non-Gold Loan branches Gold Loan branches 1,138 • Total branch network remained steady at 1,433 branches vs. 1,429 branches in Q4FY26. • Mortgage Finance business (MSME, Micro LAP and Housing) operated through 411 branches in 11 States and UTs. • Gold Loan network increased to 1,000 branches across 15 states and UTs by end of Q1FY27. • Construction Finance continued to have 3 dedicated branches – Bengaluru, Hyderabad, and Ahmedabad. • Car Loan distribution locations stood at 821 as of Jun’26. The branch presence was consolidated into 19 branches. 8,135 8,679 9,421 9,747 9,822 1,846 1,996 2,174 2,447 2,483 1,565 1,522 1,471 1,564 1,608 17 18 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 CGCL CGHFL CLCPPL Other Subsidiaries 11,546 12,197 1,224 ^Branch data excluding HO & Support Offices 13,066 1,331 13,775 1,429 1,433 13,931 2 Financial Performance Segmental Yields 17 Robust yields sustained alongside AUM growth 16.1% 16.4% 16.8% 17.3% 16.8% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Construction Finance (%)* Gold Loans (%)* MSME (%)* Housing Finance (%)* 13.3% 13.3% 13.2% 13.2% 13.4% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 18.5% 18.6% 17.8% 16.9% 18.6% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 17.7% 17.3% 17.6% 17.9% 17.6% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27

*Yield calculated as interest income including INDAS adjustments for processing fee, commission and other charges divided by monthly average of outstanding loans Loan Yields and Margins 18 16.5% 16.5% 16.4% 16.3% 17.0% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Spreads (YoA – CoB) (%) Net Interest Margin (%)2 Yield on Net Advances (%) Cost of Borrowings (%)1 9.7% 9.6% 9.4% 9.2% 9.1% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 8.9% 9.5% 9.1% 9.2% 9.7% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 6.7% 6.9% 7.0% 7.1% 7.8% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27

Calculated using Net Interest Income / Avg. Interest Earning Assets

Calculated as (Interest Expense including processing fee divided by monthly average of borrowings

1. Borrowings include Debt Securities; 2. Net Interest Income excludes Int. Expense on Lease Liabilities, Interest Earning Assets include Bank Balances excluding Cash, Net Advances and Investments

Yield calculated as interest income including INDAS adjustments for processing fee, commission and other charges divided by monthly average of outstanding loans Consistent improvement in spreads with rising yields and declining cost of borrowings Financial Highlights 19 Strong growth in Net Interest Income and Net Total Income – 79% YoY and 64% YoY for the quarter 4,125 4,795 5,103 5,956 7,364 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Net Interest Income (₹ mn) 5,074 6,354 9,856 13,314 19,979 FY22 FY23 FY24 FY25 FY26 5,817 6,830 7,507 8,422 9,533 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 6,303 9,073 13,677 18,328 28,576 FY22 FY23 FY24 FY25 FY26 Net Total Income (₹ mn) Financial Highlights 20 Continued momentum in fee income – 28% YoY growth for the quarter 19.5 30.0 27.9 27.4 30.1 FY22 FY23 FY24 FY25 FY26 29.1 29.8 32.0 29.3 22.8 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Non-Interest Income / Net Income (%) 276 1,179 1075 963 943 170 557 1,002 1,633 3,640 547 769 1,273 1,128 2,313 41 628 1,519 236 214 428 662 183 FY22 FY23 FY24 FY25 FY26 1,229 2,719 3,820 5,014 8,597 Non-Interest Income (₹ mn) Car Loan distribution (net) Co-Lending/DA Income Other Non-interest Income Insurance distribution Treasury 234 252 209 248 321 705 806 1,157 972 651 420 653 548 697 580 253 278 342 647 421 81 46 148 196 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 1,692 2,034 2,404 2,472 2,169 4.4% 6.8% 7.0% 5.7% 4.7% 40.2% 63.4% 66.7% 59.9% 49.4% FY22 FY23 FY24 FY25 FY26 Cost excl. CLO/AAUM Cost-Income 21 Operating efficiency improvements led by productivity and tech implementation Operating Expenses (₹ mn) 4.5% 5.2% 5.4% 5.0% 4.4% 46.5% 49.4% 51.6% 49.4% 44.2% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Cost excl. CLO/AAUM Cost-Income *Annualised 69% 71% 68% 68% 71% 31% 29% 32% 32% 29% 3.9% 6.1% 6.8% 6.1% 5.3% FY22 FY23 FY24 FY25 FY26 Employee Cost Other opex As a % of Avg. Total Assets 5,751 9,120 10,987 2,536 14,112 Increase in FY23 & FY24 due to investment in Tech, Branches & Employees 68% 68% 72% 77% 72% 32% 32% 28% 23% 28% 4.9% 5.7% 6.0% 5.5% 4.9% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Employee Cost Other opex As a % of Avg. Total Assets* 2,702 3,377 3,873 4,160 Cost-Income (%) & Cost / AAUM excl. CLO (%)* *Annualised 4,212 Financial Highlights 22 Margin expansion, cost control and risk discipline driving profitable growth

1Credit Cost include Write off + ECL Provisions 3,767 3,322 4,556 7,341 14,464 5.8% 3.5% 3.4% 4.1% 5.4% FY22 FY23 FY24 FY25 FY26 Operating Profit as a % of Avg. Total Assets 1,057 647 913 1,008 1,895 1.6% 0.7% 0.7% 0.6% 0.7% FY22 FY23 FY24 FY25 FY26 Credit Cost As a % of Avg. Total Assets 3,115 3,453 3,634 4,263 5,321 5.6% 5.8% 5.6% 5.7% 6.1% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Operating Profit as a % of Avg. Total Assets* 815 312 231 538 622 1.5% 0.5% 0.4% 0.7% 0.7% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Credit Cost As a % of Avg. Total Assets* Operating Profit (₹ mn) Credit Costs1 (₹ mn) *Annualised *Annualised Financial Highlights Financial Highlights 23 Strong increase in profitability; PAT rises 102% YoY for the quarter 1,749 2,360 2,554 2,828 3,534 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 RoAE is calculated basis the average of beginning and ending equity for the period 2,035 2,047 2,781 4,785 9,486 FY22 FY23 FY24 FY25 FY26 Profit After Tax (₹ mn) 3.1% 2.2% 2.1% 2.7% 3.6% 11.2% 7.5% 7.5% 11.8% 16.5% FY22 FY23 FY24 FY25 FY26 RoAA RoAE 3.2% 4.0% 3.9% 3.8% 4.1% 13.0% 14.4% 15.0% 16.0% 19.1% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 RoAA RoAE Return on Avg. Assets & Return on Avg. Equity (% annualized) 34.5% 32.9% 30.3% 25.8% 24.7% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 CRAR D/E Financial Highlights 24 29.4% 39.9% 26.6% 22.8% 25.8% FY22 FY23 FY24 FY25 FY26 CRAR 2.1 2.7 3.6 2.5 3.3 2.5 2.5 2.8 3.3 D/E (x) | CRAR 27.4 43.2 46.4 52.2 74.9 2.9 2.5 3.4 5.8 10.2 FY22 FY23 FY24 FY25 FY26 BVPS EPS 67.0 69.4 72.0 74.9 78.6 2.1 2.5 2.7 2.9 3.7 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 BVPS EPS EPS & Book Value per Share (₹) 3.7 Comfortable leverage and strong capital adequacy position D/E • Secured “Ba3” rating with Stable Outlook from Moody’s Ratings and “BB- Stable” rating from Fitch Ratings • Raised ₹12,710 mn through NCDs and CPs in Q1 FY27 • New bank sanctions for Q1 FY27 stood at ₹38,680 mn on a consolidated basis • Total lender base of 40+. Added 5 new lenders in Q1 FY27 Liability Mix 25 Diversification led by market borrowings and co-lending Funding Profile (₹ mn) Consolidated Borrowings Break-up (₹ mn) 75% 76% 70% 60% 55% 9% 4% 4% 10% 8% 3% 7% 6% 4% 2% 9% 5% 1% 3% 8% 1% 1% 3% 2% 2% 2% 7% 15% 21% 24% FY23 FY24 FY25 FY26 Q1 FY27 Banks Other Financial Institutions NHB Market Borrowings* Others Co-lending/DA 53,884 71,107 117,646 187,724 218,466 21,229 32,633 37,852 51,785 57,511 330 270 310 320 FY23 FY24 FY25 FY26 Q1 FY27 CGCL Standalone CGHFL CLCPPL 276,297 75,113 104,069 155,768 239,818 357,559 80,582 122,375 196,567 318,952 *Market Borrowings includes NCD, CP & PTC Asset-Liability Position 26 58,840 21,330 92,540 138,460 32,960 68,990 44,180 22,610 37,440 124,830 1,04,350 85,570 14,660 13,386 68,491 82,123 67,979 51,404 - 10,000 20,000 30,000 40,000 50,000 60,000 70,000 80,000 90,000 - 20,000 40,000 60,000 80,000 100,000 120,000 140,000 160,000 upto 3 month >3-6 months >6-12 months 1-3 years 3-5 years >5 years Total Assets Total Liabilities Cummulative All amount in ₹ mn Note – Data ending Q1 FY27 Cumulative surplus across buckets Liquid and Overnight funds 27 Comfortable liquidity position Particulars (₹ mn) (30th Jun 2026) CGCL (Standalone) CGHFL CGCL (Consolidated) Cash and Bank Balances 26,032 2,329 28,361 Investment in fixed deposits 190 - 190 Investment in Mutual Funds or corporate bonds 8,904 1,049 9,953 Undrawn Bank Lines 1,065 800 1,865 Net Available cash or cash equivalents 36,191 4,178 40,369 • Total current liquidity of ₹40,369 mn in cash and bank balances, investments and undrawn credit lines across CGCL and CGHFL. Segmental NPAs Disciplined underwriting keeping asset quality under control 28 MSME 4.3% 3.0% 3.0% 3.0% 3.1% 2.4% 1.6% 1.5% 1.6% 1.7% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 GNPA NNPA Construction Finance 0.5% 0.5% 0.3% 0.3% 0.7% 0.3% 0.2% 0.2% 0.1% 0.2% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 GNPA NNPA Housing Finance 1.5% 1.5% 1.4% 1.0% 1.2% 0.9% 0.9% 0.9% 0.7% 0.8% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 GNPA NNPA Gold Loan 0.7% 0.6% 0.5% 0.3% 0.3% 0.6% 0.4% 0.4% 0.2% 0.3% Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 GNPA NNPA Asset Quality 29 Adequate provision coverage ECL Analysis Q1FY27 Q4FY26 Q3FY26 Q2FY26 Q1FY26 Stage 1 - Gross 304,395 277,537 220,712 202,607 189,118 Stage 1 - ECL Provisions 1,838 1,576 1,054 1,067 1,013 Stage 1 - Net 302,557 275,961 219,657 201,540 188,106 Stage 1 - ECL Provisions % 0.6% 0.6% 0.5% 0.5% 0.5% Stage 2 - Gross 12,063 8,215 9,213 8,258 8,228 Stage 2 - ECL Provisions 1,135 968 905 919 835 Stage 2 - Net 10,928 7,248 8,308 7,338 7,393 Stage 2 - ECL Provisions % 9.4% 11.8% 9.8% 11.1% 10.1% Stage 3 – Gross 3,387 2,643 2,753 2,741 3,355 Stage 3 – ECL Provisions 1,465 1,089 1,199 1,174 1,375 Stage 3 – Net NPA 1,922 1,554 1,554 1,567 1,981 Stage 3 – ECL Provisions % 43.2% 41.2% 43.6% 42.8% 41.0% Total - Gross 319,845 288,396 232,678 213,606 200,702 Total ECL Provisions 4,438 3,633 3,158 3,161 3,222 Stage 3 % – Gross NPA 1.1% 0.9% 1.2% 1.3% 1.7% Stage 3 % – Net NPA 0.6% 0.5% 0.7% 0.7% 1.0% ₹ mn except stated 30 ₹ mn except stated Consolidated Income Statement 30 Quarterly & Annual Comparison Particulars Q1FY27 Q1FY26 Y-o-Y (%) Q4FY26 Q-o-Q (%) FY26 FY25 YoY (%) Interest earned 13,229 8,064 64% 10,942 21% 37,277 26,050 43% Interest expense 5,865 3,940 49% 4,986 18% 17,298 12,736 36% Net interest income 7,364 4,125 79% 5,956 24% 19,979 13,314 50% Net car loan fees 321 234 37% 248 29% 943 963 -2% Co-lending income 651 705 -8% 972 -33% 3,640 1,633 123% Insurance distribution 421 253 66% 647 -35% 1,519 628 142% Treasury 196 81 144% (92) 183 662 Other operating income 580 420 38% 691 -16% 2,313 1,128 105% Non-interest income 2,169 1,692 28% 2,467 -12% 8,597 5,014 71% Total income 9,533 5,817 64% 8,422 13% 28,576 18,328 56% Employee cost 3,014 1,827 65% 3,193 -6% 10,087 7,429 36% Other expenses 1,198 875 37% 967 24% 4,025 3,558 13% Operating expenses 4,212 2,702 56% 4,160 1% 14,112 10,987 28% Operating profit 5,321 3,115 71% 4,263 24% 14,464 7,341 97% ECL provisions 888 714 24% 492 80% 1,640 635 158% Write-offs (267) 101 -363% 46 -683% 256 373 -31% Total provisions 622 815 -24% 538 16% 1,895 1,008 88% Profit before tax 4,700 2,300 104% 3,725 26% 12,569 6,333 98% Tax 1,166 551 112% 902 29% 3,083 1,548 99% Implied tax rate 24.8% 24.0% 24.2% 24.5% 24.4% Profit after tax 3,534 1,749 102% 2,828 25% 9,486 4,785 98% Consolidated Balance Sheet 31 Quarterly Comparison ₹ mn except stated Particulars Q1FY27 Q1FY26 YoY (%) Q4FY26 QoQ (%) Paid-up Equity 962 962 0% 962 0% Reserves and Surplus 74,692 63,418 18% 71,073 5% Total Equity 75,655 64,380 18% 72,035 5% Bank Borrowings 250,193 152,920 64% 218,388 15% Debt Securities 26,104 6,870 280% 22,733 15% Other Liabilities and Provisions 14,105 8,848 59% 13,604 4% Total Equity & Liabilities 366,057 233,017 57% 326,760 12% Cash and Bank Balances 29,466 26,057 13% 21,229 39% Investments 10,796 2,680 303% 12,361 -13% Assets under Financing Activities 312,855 195,421 60% 281,499 11% Other Assets 12,940 8,859 46% 11,671 11% Total Assets 366,057 233,017 57% 326,760 12% 32 Calculated as % of Average Assets (%) Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Interest income 14.7% 14.8% 14.5% 14.6% 15.3% Interest expenses 7.1% 6.8% 6.7% 6.6% 6.8% Net interest income 7.5% 8.0% 7.9% 7.9% 8.5% Net Car Loan Fee 0.4% 0.4% 0.3% 0.3% 0.4% Co-lending Income 1.3% 1.4% 1.8% 1.3% 0.8% Insurance distribution 0.5% 0.5% 0.5% 0.9% 0.5% Other income 0.9% 1.2% 1.1% 0.8% 0.9% Non-interest income 3.0% 3.4% 3.7% 3.3% 2.5% Net total income 10.5% 11.5% 11.6% 11.2% 11.0% Employee expenses 3.3% 3.8% 4.3% 4.3% 3.5% Other expenses 1.1% 1.4% 1.2% 0.9% 1.1% D&A 0.4% 0.4% 0.4% 0.4% 0.3% Operating expenses 4.9% 5.7% 6.0% 5.5% 4.9% Operating profit 5.6% 5.8% 5.6% 5.7% 6.1% ECL provisions 1.3% 0.5% 0.2% 0.7% 1.0% Write-offs 0.2% 0.0% 0.1% 0.1% (0.3)% Total Provisions 1.5% 0.5% 0.4% 0.7% 0.7% Profit before tax 4.2% 5.3% 5.3% 5.0% 5.4% Profit after tax (RoAA) 3.2% 4.0% 3.9% 3.8% 4.1% RoAA Tree Quarterly Comparison 3 Annual Financial Performance 34 31,911 38,576 41,728 42,764 50,293 53,765 11,257 28,236 55,612 115,961 135,299 17,474 26,192 38,901 46,056 64,889 67,404 12,654 18,302 26,213 41,329 57,081 63,316 3,129 3,404 3,152 2,042 178 71 FY22 FY23 FY24 FY25 FY26 Q1FY27 MSME Gold Housing Construction Finance Others 33,068 43,580 50,174 52,789 64,859 67,791 11,256 34,910 80,422 169,646 191,786 17,474 26,657 42,091 52,019 74,469 78,153 12,677 18,301 26,213 41,329 57,081 63,316 3,129 3,412 3,152 2,042 178 71 FY22 FY23 FY24 FY25 FY26 Q1FY27 Axis Title MSME Gold Housing Construction Finance Others AUM Break Up (₹ mn) Gross Loans Break Up (₹ mn) 103,205 156,540 97,731 138,230 187,803 66,347 64,168 228,602 CAGR 46% 42% 139%* 18% CAGR 46% 37% 115%* 13% 53% 45%

*CAGR FY23-Q1FY27 MSME AUM includes MSME, Micro LAP and Solar Loans; MSME, Gold, and Housing AUM values are inclusive of co-lending and directly assigned AUM 366,233 288,402 401,116 319,854 AUM and Loan Growth Consolidated AUM Up 53% CAGR FY22-Q1FY27 35 1,157 5,004 8,446 10,025 14,566 14,026 465 3,185 5,963 9,580 10,749 6,674 24,810 53,685 56,487 1.7% 5.3% 11.7% 17.8% 21.3% 20.3% FY22 FY23 FY24 FY25 FY26 Q1 FY27 MSME Housing Gold Co-lending AUM/Con. AUM 170 557 1,002 1,633 3,640 13.8% 20.5% 26.2% 32.6% 42.3% FY22 FY23 FY24 FY25 FY26 Co-Lending Income As a % of non-interest income Co-lending income* (₹ mn) (% of non-interest income) 5,469 18,306 Co-Lending AUM (₹ mn) (% of overall) CGCL retains 20-30% while co-lending partners (CLPs) retain the balance CGCL earns spread and loan servicing fee on the co-lending loans Additional source of funds while conserving capital and boost RoE Diversification of borrowings Partner Banks 11 1 2 3 4

*Net gain on derecognition of financial instruments 40,798 77,831 81,263 Leveraging co-lending for capital efficient expansion Additional Funding Source & High RoE Accretion Co-lending includes Direct Assignment; CLM: Co-Lending 36 16.1% 15.7% 15.9% 15.2% 16.7% 16.8% FY22 FY23 FY24 FY25 FY26 Q1FY27 Gold Loans (%)* Retail Construction Finance (%)* MSME (%)* Housing Finance (%)* 13.4% 12.8% 12.7% 12.8% 13.2% 13.4% FY22 FY23 FY24 FY25 FY26 Q1FY27 14.1% 18.6% 19.2% 17.8% 18.6% FY22 FY23 FY24 FY25 FY26 Q1FY27 16.8% 17.6% 17.8% 17.2% 17.7% 17.6% FY22 FY23 FY24 FY25 FY26 Q1FY27 na1 1Gold Loan business started in Aug-22

*Yield calculated as interest income including INDAS adjustments for processing fee, commission and other charges divided by monthly average of outstanding loans Segment Wise Loan Yields Improving Yields 37 15.2% 14.9% 15.8% 16.2% 16.4% 17.0% FY22 FY23 FY24 FY25 FY26 Q1 FY 27 Spreads (YoA – CoB) (%) Net Interest Margin (%)2 Yield on Net Advances (%) Cost of Borrowings (%)1 8.3% 8.6% 9.3% 9.6% 9.5% 9.1% FY22 FY23 FY24 FY25 FY26 Q1 FY27 8.4% 8.0% 8.7% 8.5% 8.6% 9.7% FY22 FY23 FY24 FY25 FY26 Q1 FY27 6.9% 6.3% 6.6% 6.5% 6.9% 7.8% FY22 FY23 FY24 FY25 FY26 Q1 FY27

Calculated using Net Interest Income / Avg. Interest Earning Assets

1. Borrowings include Debt Securities; 2. Net Interest Income excludes Int. Expense on Lease Liabilities, Interest Earning Assets include Bank Balances excluding Cash, Net Advances and Investments

Yield calculated as interest income including INDAS adjustments for processing fee, commission and other charges divided by monthly average of outstanding loans

Calculated as (Interest Expense including processing fee divided by monthly average of borrowings Yields & Margins Improving spreads and margins 38 3.1% / 1.7% / 45.6% MSME Loan 1.2% / 0.8% / 37.0% Housing Loan 0.3% / 0.3% / 19.0% Gold Loan 0.7% / 0.2% / 70.5% Construction Finance Segment-wise Asset Quality (GNPA/NNPA/PCR)* 2.4 1.7 1.9 1.5 0.9 1.1 1.7 1.2 1.1 0.9 0.5 0.6 FY22 FY23 FY24 FY25 FY26 Q1FY27 NPA (%) Gross Net

*For Q1FY27 30.5 30.9 45.2 41.7 41.2 43.3 FY22 FY23 FY24 FY25 FY26 Q1FY27 PCR (%) Prudent Risk Management Improving asset quality and adequate provisioning 39 MSME Loan 4.0% 3.4% 3.9% 3.9% 3.0% 3.1% 2.9% 2.5% 2.1% 2.0% 1.6% 1.7% FY22 FY23 FY24 FY25 FY26 Q1FY27 GNPA NNPA Retail Construction Finance 0.0% 0.3% 1.0% 0.2% 0.3% 0.7% 0.0% 0.0% 0.2% 0.1% 0.1% 0.2% FY22 FY23 FY24 FY25 FY26 Q1FY27 GNPA NNPA Housing Finance 1.5% 1.2% 1.3% 1.4% 1.0% 1.2% 1.1% 0.8% 0.8% 0.9% 0.7% 0.8% FY22 FY23 FY24 FY25 FY26 Q1FY27 GNPA NNPA Gold Loan NA 0.1% 0.9% 0.8% 0.3% 0.3% NA 0.1% 0.8% 0.7% 0.2% 0.3% FY22 FY23 FY24 FY25 FY26 Q1FY27 GNPA NNPA Segmental NPAs Asset Quality 40 Adequate provisioning coverage ECL Analysis FY22 FY23 FY24 FY25 FY26 Q1FY27 Stage 1 - Gross 57,255 90,920 129,580 175,797 277,537 304,395 Stage 1 - ECL Provisions 377 461 619 779 1,576 1,838 Stage 1 - Net 56,877 90,459 128,961 175,019 275,961 302,557 Stage 1 - ECL Provisions % 0.7% 0.5% 0.5% 0.4% 0.6% 0.6% Stage 2 - Gross 6,373 5,108 5,987 9,120 8,215 12,063 Stage 2 - ECL Provisions 854 807 746 703 968 1,135 Stage 2 - Net 5,519 4,301 5,241 8,417 7,248 10,928 Stage 2 - ECL Provisions % 13.4% 15.8% 12.5% 7.7% 11.8% 9.4% Stage 3 – Gross 1,562 1,704 2,661 2,867 2,643 3,387 Stage 3 – ECL Provisions 476 526 1,202 1,197 1,089 1,465 Stage 3 – Net NPA 1,086 1,178 1,458 1,670 1,554 1,922 Stage 3 – ECL Provisions % 30.5% 30.9% 45.2% 41.7% 41.2% 43.25% Total – Gross 65,189 97,732 138,227 187,784 288,396 319,845 Total ECL Provisions 1,707 1,794 2,567 2,678 3,633 4,438 Stage 3 % – Gross NPA 2.4% 1.7% 1.9% 1.5% 0.9% 1.06% Stage 3 % – Net NPA 1.7% 1.2% 1.1% 0.9% 0.5% 0.6% ₹ mn except stated RoAA Tree Calculated as % of Average Assets (%) FY22 FY23 FY24 FY25 FY26 Q1FY27 Interest income 13.0% 12.3% 13.5% 14.5% 13.9% 15.3% Interest expenses 5.1% 5.6% 6.2% 7.1% 6.5% 6.8% Net interest income 7.8% 6.7% 7.3% 7.4% 7.5% 8.5% Net Car Loan Fee 0.4% 1.2% 0.8% 0.5% 0.4% 0.4% Co-lending Income 0.3% 0.6% 0.7% 0.9% 1.4% 0.8% Insurance distribution - - 0.0% 0.3% 0.6% 0.5% Other operating income 1.2% 1.0% 1.3% 1.0% 0.9% 0.9% Non-interest income 1.9% 2.9% 2.8% 2.8% 3.2% 2.5% Net income 9.7% 9.6% 10.1% 10.2% 10.7% 11.0% Employee expenses 2.7% 4.3% 4.6% 4.1% 3.8% 3.5% Other expenses 1.2% 1.8% 2.1% 2.0% 1.5% 1.4% Operating expenses 3.9% 6.1% 6.8% 6.1% 5.3% 4.9% Operating profit 5.8% 3.5% 3.4% 4.1% 5.4% 6.1% ECL provisions 1.0% 0.1% 0.5% 0.3% 0.6% 1.0% Write-offs 0.7% 0.6% 0.1% 0.2% 0.1% (0.3)% Provisions 1.6% 0.7% 0.7% 0.6% 0.7% 0.7% Profit before tax 4.2% 2.8% 2.7% 3.5% 4.7% 5.4% Tax 1.0% 0.6% 0.6% 0.9% 1.2% 1.3% Profit after tax (RoAA) 3.1% 2.2% 2.1% 2.7% 3.5% 4.1% 41 Consolidated Income Statement 42 Profit and Loss A/c FY22 FY23 FY24 FY25 FY26 FY22-26 CAGR Interest income 8,396 11,682 18,228 26,050 37,277 Interest expenses 3,322 5,328 8,372 12,736 17,298 Net interest income 5,074 6,354 9,856 13,314 19,979 41% Net Car Loan Fee 276 1,179 1,075 963 943 Co-lending Income 170 557 1,002 1,633 3,640 Insurance distribution 41 628 1,519 Other operating income 785 983 1,727 1,790 2,495 Non interest income 1,229 2,719 3,821 5,014 8,597 63% Net income 6,303 9,073 13,677 18,328 28,576 46% Employee expenses 1,746 4,061 6,237 7,429 10,087 Other expenses 790 1,690 2,870 3,558 4,025 Operating expenses 2,536 5,751 9,107 10,987 14,112 54% Operating profit 3,767 3,322 4,570 7,341 14,464 40% ECL provisions 618 80 713 635 1,640 Write-offs 439 570 199 373 256 Total Provisions 1,057 651 913 1,008 1,895 16% Profit before tax 2,711 2,671 3,656 6,333 12,569 47% Tax 676 636 862 1,548 3,083 Implied Tax rate (%) 24.9% 23.8% 23.6% 24.4% 24.5% Profit after tax 2,035 2,035 2,794 4,785 9,486 47% All figures in ₹ mn except stated otherwise Annual Comparison Consolidated Balance Sheet 43 All figures in ₹ mn except stated otherwise Balance Sheet FY22 FY23 FY24 FY25 FY26 FY22-26 CAGR Liabilities Paid-up equity 351 412 825 825 962 Reserves and surplus 18,873 35,242 37,541 42,216 71,073 Total Equity 19,225 35,655 38,366 43,041 72,035 39.1% Borrowings 48,322 75,113 104,069 155,768 241,121 49.5% Other liabilities and provisions 4,036 7,246 9,067 9,520 13,604 Total liabilities 71,583 118,013 151,502 208,329 326,760 46.2% Assets Cash and bank balances 3,531 15,100 6,746 15,312 21,229 Investments 3,781 2,155 2,162 1,604 12,361 Assets under financing activities 62,763 94,816 134,212 182,515 281,499 45.5% Other assets 1,507 5,942 8,381 8,898 11,671 Total assets 71,583 118,013 151,502 208,329 326,760 46.2% Annual Comparison 4 Strategic Outlook Key Initiatives to Accelerate Growth 45 Focus on dedicated strategic initiatives to drive scale Diversify our Product Offerings • Offer customized products to underserved high growth markets and focus on revenue diversification • Scale and expand product suite Geographic Expansion and Deepening our Presence Leverage Technology & Analytics for Operational Excellence Leverage customer base to drive fee income and cross-selling Diversify borrowings for effective liability management • Open new branches in existing and new states to expand across Telangana, Karnataka, TN, AP, Orissa, UP • Deepen presence through expanded branch network – 750-800 new branches over next 2 years • Leverage tech & data science leadership – implement Agentic AI tools for efficiency, productivity, CX • Increase sales productivity across MSME/HL/Gold • Cross-sell loan products to large and rapidly growing customer base • Scale existing verticals to increase fee income – Insurance, Car Loan distribution and other new verticals • Diversification of borrowings – raise NCD/CP; widen lender base; reduce cost of funds • Strengthen and grow co-lending partnerships Capri Global’s target is ₹650 bn AUM by FY28 and ₹1,250 bn+ by FY31 growing at 28% - 30% CAGR 46 … and Deliver Sustainable Returns… Key levers for RoE expansion Capri Global’s target is to deliver consistent RoAE of 19.0% - 21.0% and RoAA of 4.2% - 4.7% Margin Expansion Drive AUM growth through new markets, customer segments and partnerships Reduction in credit costs through data science & analytics Operating leverage from existing network; productivity improvement through tech & AI Expansion of Car Loan origination and Insurance businesses Increase in share of high yield products; liability management through co- lending High Quality Fee Income Cost Efficiency Underwriting Efficiency Growth Opportunity + + + + 5 Board & Management Strong Corporate Governance 48 Distinguished and Qualified Board comprised majorly of Independent Directors 6 Independent Board of Directors with expertise in Banking, Finance, Risk Management, IT and Public Policy 9 board committees to ensure oversight – Risk, Credit, Asset Liability, Info Security, Audit, CSR, ESG, Stakeholder relationship, Nomination & Remuneration Chairman & Independent Director Lingam Venkata Prabhakar Ex-MD & CEO Canara Bank and ex-ED Punjab National Bank; Rich experience in banking and finance, AMCs, insurance companies; M.Sc. (Agri), CAIIB Managing Director Rajesh Sharma Promoter & MD Capri Global Capital Entrepreneur with over 3 decades of experience in Financial Services Expertise in Lending, Financial Advisory, Corporate Finance & Investment Banking; CA Independent Director Nupur Mukherjee Ex Global Head, Enterprise Data Technologies at Standard Chartered Bank and Barclays Expertise in data- driven, cloud, AI and ESG, PMP, BCom, CIMA Independent Director Shishir Priyadarshi Ex-IAS officer from UP cadre; Director World Trade Organization MA (Economics, UK) and M. Sc (Physics, DU) Independent Director Subramanian Ranganathan Ex- Citicorp, Edelweiss Group Experience in finance and management, CA, CS, CWA, LL.B Independent Director Ajit Mohan Sharan IAS - Batch 1979 Over 3 decades of experience in varied aspects of public administration 5 Independent Directors with expertise in Banking, Finance, Risk Management, IT and Public Policy 9 board committees to ensure oversight – Risk, Credit, Asset Liability, Info Security, Audit, CSR, ESG, Stakeholder relationship, Nomination & Remuneration 49 Proven track record of scaling businesses CORPORATE FUNCTIONS Divya Sutar President & ED — Strategy GMP (Harvard Business School), Master’s Degree (USF)

26+ yrs Kishore Lodha Chief Financial Officer Ex-UGRO Finance, Hinduja Finance, SREI Infra Finance; CA

24+ yrs Abhishek Yadav Chief Compliance Officer Ex- ANZ Bank, L&T Fin, Yes Bank, Axis Bank, Kotak Bank, B.Com, CS

23+ yrs Group Chief Technology Officer Tarun Aggarwal Ex-Paytm, Adobe System, Quad Analytix, Expedia, PGDBM (IMT)

20+ yrs Sanjeev Srivastava Chief Risk Officer Ex-IIFL Finance, CA

20+ yrs Vinay Surana Group Head — Treasury Ex-Axis Bank, CA

17+ yrs Varun Malhotra Chief Technology & Data Officer Ex-BYJU’s, Policy Bazaar; MTech – BITS Pilani

20+ yrs Hardik Doshi Head – Corp Fin & Investor Relations Ex- Kotak IB, Deutsche Bank, MBA - Finance

15+ yrs Experienced and Stable Management Team Ignatius Kaitha Chief HR Officer Ex-IndusInd Bank, HSBC, MBA

20+ yrs Experienced and Stable Management Team 50 Proven track record of scaling businesses RETAIL BUSINESS RETAIL CONSTRUCTION FINANCE Vijay Kumar Gattani Director – Credit – CF Ex-Goldman Sachs, ICICI Bank, CA

21+ yrs Bhaskarla Keshav Kumar Director – Monitoring – CF Ex-AGM, SBI

40+ yrs FEE BASED BUSINESS Amit Setia Rohit Chugh Head – Insurance Distribution Ex- Star Health, SBI GI, Tata AIG, MBA

27+ yrs Ravish Gupta Chief Business Officer — Gold Ex-IIFL, GE Money, HDFC Bank, BCA

20+ yrs Abhishek Sinha Chief Business Officer — MSME & MLAP Ex Bajaj Housing Finance Ltd., Bajaj Finance Ltd., Tata Capital Ltd.

22+ yrs Munish Jain Chief Business Officer — HL Ex-Shriram Housing, GE Money, DHFL, MBA

20+ yrs ED – Fixed Income Markets Ajay Manglunia Ex- JM Financial, Edelweiss, InCred; CA

30+ yrs Vaibhav Shah Head Credit – MSME & MLAP Ex- AUSFB, DCB Bank, IIFL, HDFC Bank, ICICI Bank, MMS, B.com

23+ yrs Chief Business Officer– Car Loan Distribution Ex-Reliance Capital, Dhanlaxmi Bank, MBA

20+ yrs CREDIT 6 ESG Strong ESG Performance Underpinned by Measurable Impact and Robust Governance Financial inclusion, governance and sustainability initiatives support responsible growth 100% DEI training for senior management Name of the ESG rating provider Ratings Environmental (E) Social (S) Governance (G) 5 out of 6 independent directors Zero cases of discrimination and harassment Zero cases of money laundering, insider trading and conflict of interest Zero cases of cybersecurity breaches or threats

100 (industry avg. 10) Financial inclusion

100 (industry avg: 23) Customer relations

100 (industry avg: 20) Human rights

91 industry avg. 32 Privacy protection SES ESG research private limited 75 (B+) NSE sustainability ratings & analytics limited 73 CRISIL ESG ratings & analytics limited 64 (strong) Standard & poor’s (S&P) global corporate sustainability assessment (only NBFC to qualify for S&P CSA yearbook) 70 (industry average 29) Key ESG impact highlights (1) Best-in-class ESG scores

(1) Highlights for FY25 23% reduction of e-waste compared to FY2023-24 ~500+kg of waste recycled and reused 15,300 KL of water harvesting capacity created through desilting, check dams and bunds ₹ 68 Mn government investments supported 1,924 households and created 225 hectares of water harvesting capacity 261 K pages saved by MSME and housing business through digital initiatives 15,519 beneficiaries reached including 13,287 women Zero fatalities in our operations 100 training sessions conducted benefitting 8,179 individuals across 80 villages 681 SHGs formed for community strengthening and institution building 120 K women impacted through our livelihood development program 52 Social empowerment • Expanding financial access for underserved communities, women, and first-time borrowers • Purpose-driven products such as gold loans, MSME, affordable housing and micro-lap for livelihood support • Capri foundation initiatives in education, healthcare, digital literacy, and rural empowerment • Employee wellbeing through health, wellness, skills training, and safety policy • Goal to reach over 200 K women beneficiaries by 2030 under CSR initiatives Governance excellence • Strong governance foundation with top management-level ESG steering committee chaired by the managing director • Robust policies on ethics, equality, human rights, safety, ABAC, whistleblower and data privacy • AI-enabled cyber and data protection systems to safeguard customer information • ESG-linked evaluations for senior management and supplier accountability • Integration of ESG KPIs in leadership goals with compliance to SEBI BRSR, GRI, and NGRBC Environmental stewardship • Environment management system-like processes for monitoring energy, water, waste, and emissions with measurable targets. • Focus on energy efficiency, digital-first services, and climate risk management • Calculation of Scope 1,2,3 including Financed Emissions is now in place. The emissions are regularly tracked. • Targeting 5% annual reduction in energy use Key Pillars of ESG - Fostering Sustainable and Responsible Operations Responsible operations and social impact are embedded into the operating model 53 54 Board of Directors CRO Operational Risk Committee CCO Compliance HIA Internal Audit BUSINESS HEAD Credit Policy Committee 5 Independent Board of Directors including one woman Director Separate Chairman and Managing Director For Corruption and Complaints related to Conflict of Interest against Directors or KMPs Zero Disciplinary Actions On ESG Principles conducted for Board of Directors and KMPs Training & Awareness Programs COMMITTEES Risk Nomination & Remuneration Board Credit Committee Information Security Audit Committee Asset Liability Committee ESG CSR Stakeholder Relationship Committee Corporate Governance Framework Shareholding 55 ₹219bn Market capitalisation1 ₹ 75.7bn Cons. Equity (Jun’26) ₹ 962.2mn Paid-up Equity ₹ 1 Face Value 59.9% 26.6% 13.5% Promoter Group Institutional Shareholders Other Public Shareholders 1. Market capitalization NSE on 30th Jun’26. 2. 1 US$ = ₹ 94.7 3. CGCL is part of ✓ Nifty Smallcap 250 Momentum Quality 100 ✓ BSE 250 Smallcap Index ✓ MSCI India Small Cap Index ✓ FTSE India Index NOTES Shareholding as at the end of Q1FY27 US$2.3bn2 7 Annexure Gold Loan Market Size and Growth (FY2021-27E) 5.4 6.2 7.6 9.4 12.0 16.0 - 17.0 20.0 - 21.0 FY21 FY22 FY23 FY24 FY25 FY26P FY27P Gold loans (₹ Tn)

RBI, Industry Experts; Notes: (1) Portfolio outstanding number includes agriculture lending by banks with gold as collateral and includes priority sector gold loans given by financiers ; (2) Rate for 18K gold given by India Bullion and Jewelers Association Ltd. as on July 8, 2026 Rising financialization of gold holdings Household Gold (tonnes) ~25,000 Gold value (₹ Tn) 190 - 195 12% 88% Formally Financed (tonnes) Unfinanced (tonnes) Pledged Unpledged ~3000 ~22000 Strong demand from informal sector & self- employed borrowers with limited credit access Expansion of organized players replacing unorganized pawn brokers (trust + transparency) Digital + doorstep gold loan disbursement improving reach and convenience Fast, collateral-backed lending enabling quicker and more certain liquidity vs unsecured credit Gold Loan Credit Gap/Demand Potential (1) Large Addressable Market Opportunity across Focus Segments : Gold Loans Significant unleveraged household gold pool presents a deep, collateral-backed lending opportunity Based on gold value @~Rs 10,919/gm & ~70% LTV (2) 57 MSME loan market size and growth (FY2021-27E) 19.8 23.3 29.1 35.2 41.6 49.0 – 50.0 50.0 – 60.0 FY21 FY22 FY23 FY24 FY25 FY26P FY27P MSME loans (₹ Tn)

RBI, Industry Experts, IFC, Transunion CIBIL, Udyam; CGTMSE-Credit guarantee fund trust for micro and small enterprises 76.0 42.0 34.0 Addressable credit demand Credit gap ₹ 117 Tn Overall credit demand: ₹ 159 Tn <15% of approx. 70m MSMEs have access to formal credit Potentially addressable credit gap Formal credit Formalization of MSMEs (GST, UDYAM) improving credit visibility and eligibility Large structural credit gap vs demand in working capital and capex financing Digitization of cashflows enabling better underwriting (invoice + bank statement lending) Growth in trade, e-commerce, and supply chain financing needs Government-backed schemes (CGTMSE, priority sector lending) reducing lender risk MSME Loan Credit Gap / Demand Potential Large Addressable Market Opportunity across Focus Segments : MSME Loans Large, underpenetrated MSME segment offers a multi-year opportunity for scalable credit expansion 58 Housing loans market size and growth (FY2021-27E) 22.8 26.4 29.5 34.2 36.7 41.6 47.5 FY21 FY22 FY23 FY24 FY25 FY26P FY27P Housing loans (₹ Tn)

RBI, Industry Experts, CRIF; EWS – Economically Weaker Section, LIG – Low Income Group, MIG – Middle Income Group, PMAY – Pradhan Mantri Awas Yojana 45.0 34.0 5.0 50.0 75.0 30.0 5.0 40.0 22.0 EWS (ATS < ₹ 0.75 Mn) LIG (ATS ₹ 1.5 Mn – ₹ 5 Mn) MIG & above (ATS > ₹ 5 Mn) Value of units (₹ Tn) Shortage of housing Units (Mn) Aggregate loan demand (₹ Tn) Persistent urban housing shortage + strong end-user demand in lower- income segments Government push via PMAY and interest subsidies improving affordability Migration to Tier 2/3 cities driving incremental housing demand Shift from informal lenders to organized housing finance companies Rising formal income penetration enabling credit eligibility expansion Housing Loan Credit Gap / Demand Potential Large Addressable Market Opportunity across Focus Segments : Housing Loans Structural housing demand continues to drive sustained mortgage-led credit growth 59 “Today people respect me in my neighbourhood because of my own home. Thank you Capri Global Housing Finance Limited, for financing my dream home.” – Pravin Devekar (Security Guard) “When I applied for the loan, I didn’t have to face a lot of difficulties. The staff from Capri Global came to see the property, my work & my documents. I had to go Capri office just once to collect the cheque.” – Arun Gupta (Cosmetics Store) “Capri offered me a good interest rate and very good per-gram rate as well. With the Capri App, making payments became very easy staff were extremely supportive and co-operative, the entire payment process has become very smooth.” – Raghvendra Bhat (Event Management Business) “I was able to realize my dream only because of Capri Global Housing Finance Limited. Thank you for taking care of individuals like me.” – Raghavendra Joshi (Rickshaw Driver) “Capri staff explained everything to me clearly and shared all the details I needed; Interest rates offered were much lower. Best part was that disbursement was transferred to my account very quickly. My experience with Capri s has been extremely good.” – Anthony Baddali (Tours and Travels Business) “I am extremely grateful to Capri Global for helping me get my business done. I got my loan sanctioned in just 15- 20 days. Today I have a surplus of good in my shop and every distributor in the area is eager to work with us.” – CG Baidnath (Kitchenware Store) Gold loans MSME loans Housing loans Delivering Impactful Customer Outcomes 60 Building the Brand Capri Loans – Brand Ambassadors Key Brand Ambassadors amplify the Brand message and build resonance and affinity with our target audience 61 Lady Superstar Nayanthara joins acclaimed actor Pankaj Tripathi, who continues his association with the brand, as Brand Ambassadors. This partnership reinforces Capri Loans' commitment to building a strong and relatable connect with regional audiences across the country. Together, the two Brand Ambassadors represent the company's vision of creating deeper resonance with diverse customer segments across India. • Achieved 133 Mn+ cumulative reach across platforms • TV ads on top Hindi news channels, reaching 10 Mn+ viewers • Digital campaigns across YouTube, LinkedIn, Facebook, and Instagram, reaching 123 Mn+ users • Instagram collaboration with Pankaj Tripathi, delivering 9.3 Mn+ views • Enhanced branch visibility through on-ground collateral • Featured across leading media platforms such as ET Brand Equity, AFAQs, and Adgully Campaign Delivery YouTube Brand Lift Study confirmed a notable improvement in Brand Awareness among the exposed audience. Campaign Measurement Following a successful awareness campaign for our target audience, we launched Zaroorat Mein Saath with Pankaj Tripathi to drive brand and product consideration. The campaign positioned Capri Loans as a brand that supports customers in moments that matter. #ZarooratMeinSaath (Feb – March’26) Building the Brand Capri Loans Large-reach campaigns position Capri as a trusted partner in moments of need 62 The Campaign was recognized Best TV Advertising Campaign by Afaqs BankFin 360 (Excellence in BFSI Marketing Awards) #TarrakiKeHaath Campaign measurement • Outperformed 96% of Indian campaigns (1,887 studies) and 98% globally (Kantar database) • Demonstrated high efficiency and strong message impact (Kantar Brand Lift Study) Our brand ad campaign with Pankaj Tripathi was designed to drive awareness and recall, while positioning Capri Loans as an inclusive, impact-driven brand. It was executed through a 360° media plan, achieving an overall 180 Mn+ cumulative reach Building the Brand Capri Loans High-impact media execution reinforces inclusive customer positioning 63 "Best Brands – 2024" award at the ET Now Best Brands Conclave 2024 Corporate Environment Excellence Award by World Environment Council The Economics Times - Most promising Leader of Asia in 2020 - 21 Best AI / Machine Learning initiative, Compliance initiative & New Application Development Awards - by Banking Frontiers 2025 The Economics Times – Best BFSI Brands 2019 National Housing Bank – Winner in the Category of Growth in Housing Loan (Asset size : ₹100 Cr to ₹ 500 Cr), 2025 Best TV Advertising Campaign for Tarakki Ke Haath by Afaqs Bankfin 360 – Excellence in BFSI Marketing Awards "Great Place to Work" - Awarded for 5 consecutive years Best CSR initiative in Non-Banking Sector by Bharat CSR & Sustainability Awards, 2025 Awards and Recognitions 64 65 This presentation and the accompanying slides (the “Presentation”), which have been prepared by Capri Global Capital Limited (the “Company”), have been prepared solely for information purposes only and does not constitute any offer or invitation, directly or indirectly, in any manner, or inducement to sell or issue, or any solicitation of any offer to purchase or subscribe for any securities of the Company in any jurisdiction and no part of it shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the Company. This Presentation is not a prospectus, disclosure document, a statement in lieu of a prospectus, an offering circular, an advertisement or an offer document under the Companies Act, 2013, and the rules made thereunder, as amended, the Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2018, as amended, or any other applicable law in India. This Presentation should not be considered as a recommendation that any investor should subscribe for or purchase any securities of the Company or its subsidiary (collectively, the “Group”) and should not be used as a basis for any investment decision. The information contained in this Presentation is only current as of its date and has not been independently verified. The Group will not update you in the event the information in the Presentation becomes stale. Moreover, both express or implied representation or warranty is made as to, and no reliance should be placed on, the truth, accuracy, fairness, reasonableness or completeness of the information presented or contained in this Presentation and nothing in this Presentation shall be relied upon as a promise or representation in this respect, whether as to the past or the future. None of the Group or any of its affiliates, advisers or representatives accept any liability whatsoever for any loss howsoever arising from any information presented or contained in this Presentation. Furthermore, no person is authorized to give any information or make any representation which is not contained in, or is inconsistent with, this Presentation. Any such extraneous or inconsistent information or representation, if given or made, should not be relied upon as having been authorized by or on behalf of the Group. This Presentation is being given solely for your information and for your use, and may not be copied, reproduced or redistributed to any other person in any manner. The distribution of this Presentation in certain jurisdictions may be restricted by law. Accordingly, any persons in possession of this Presentation should inform themselves about and observe any such restrictions. This Presentation is not a complete description of the Company. Certain statements in the Presentation may contain statements regarding the Company’s market opportunity and business prospects that are individually and collectively forward-looking statements. All forward-looking statements are based on judgments derived from the information available to the Company at this time. Such forward-looking statements are subject to risks, uncertainties and assumptions that could cause actual results to differ materially from those contemplated by the relevant forward- looking statement. Any opinion, estimate or projection herein constitutes a judgment as of the date of this Presentation, and there can be no assurance that future results or events will be consistent with any such opinion, estimate or projection. The Company assumes no obligation to update any forward-looking information contained in this Presentation. Any forward-looking statements and projections made by third parties included in this Presentation are not adopted by the Company and the Company is not responsible for such third-party statements and projections. Given these uncertainties and other factors, viewers of this Presentation are cautioned not to place undue reliance on these forward-looking statements. All information contained in this Presentation has been prepared solely by the Company based on information and data which the Company considers reliable. This Presentation may not be all inclusive and may not contain all of the information that you may consider material. Disclaimer Thank You! COMPANY : Mr. Hardik Doshi hardik.doshi@capriglobal.in M: +91 81083 45011 Ms. Shweta Daptardar Shweta.Daptardar@capriglobal.in M: +91 9930 794999 For Further information, please contact : Ms. Payal Dave payal.dave@in.mpms.mufg.com Mr. Irfan Raeen irfan.raeen@in.mpms.mufg.com M: +91 97737 78669 Meeting Request Link Link INVESTOR RELATIONS ADVISORS: MUFG Intime India Private Limited A part of MUFG Corporate Markets, a division of MUFG Pension & Market Services