• Capri Global earnings: The company delivered a quarterly profit of ₹353 crore with expanding margins, while gold loan AUM reached ₹19,000 crore and tonnage rose 5% to 20 tons despite a 4% sequential drop in gold prices.
• Branch network expansion: Capri intends to add around 400 gold loan branches in the current year, expanding its dedicated gold loan network from 1,000 to about 1,400 active branches by targeting high-density lending clusters.
• Product portfolio mix: Gold loans currently account for roughly 48% of the total loan book and are projected to grow to about 55% over the next two years, with MSME, affordable housing, and construction finance making up 13% to 17% each.
• Return and technology targets: Management is targeting an ROA of around 4.5% and an ROE of 19% to 20%, supported by operating scale and upcoming partnerships with major AI firms across sourcing, underwriting, and collections.