Mission Statement, Vision, & Core Values (2026) of Capri Global Capital Limited.

Discover how Capri Global Capital Limited is redefining access to credit for underserved India - a Mumbai-headquartered NBFC founded in 2011, listed on the BSE and NSE, and operating across four key verticals (MSME, Construction Finance, Gold Loans and Indirect Lending) to drive financial inclusion; with a sharp focus on customer-centric, personalized and efficient lending underpinned by merit and continuous learning, CGCL leverages technology and data to reach borrowers with limited credit histories and has scaled rapidly - its Assets Under Management stood at ₹20,663 crores as of March 31, 2024, reflecting a robust 54.6% year-on-year growth - read on to see how its mission, vision and core values translate into real-world products, impact and strategy.

Capri Global Capital Limited (CGCL.NS) - Intro

• Founded: 2011; Headquarters: Mumbai, India
• Listed: BSE & NSE
• Key verticals: MSME loans, Construction Finance, Gold Loans, Indirect Lending
• Strategic focus: Financial inclusion, technology-led credit underwriting, data-driven risk assessment

• Provide accessible, responsible credit to underserved segments-micro, small and medium enterprises, affordable housing and individuals lacking full formal credit histories.
• Leverage scalable digital models and alternate data to lower friction and cost of credit while maintaining disciplined risk and collection practices.
• Drive sustainable growth that balances stakeholder returns with social impact and financial inclusion.

• Be a leading, technology-enabled NBFC delivering inclusive credit solutions across India, enabling entrepreneurs and households to build livelihoods and assets.
• Create a resilient, diversified lending franchise that scales responsibly across product verticals and geographies.

• Customer Centricity - design products and processes around client affordability and outcomes.
• Integrity & Governance - maintain high standards of transparency, compliance and risk controls.
• Innovation - use data analytics, alternative credit signals and digital channels to widen access and improve efficiency.
• Accountability & Performance - measurable targets, rigorous monitoring and prudent capital allocation.
• Social Impact - prioritize financial inclusion and support for MSMEs and affordable housing borrowers.

• Scale AUM profitably while preserving asset quality and conservative leverage metrics.
• Broaden product mix to manage cycle risk-MSME & construction finance growth balanced by secured gold and indirect lending portfolios.
• Invest in underwriting automation, alternate data sources and collections technology to reduce NPA formation and improve recovery velocity.

Capri Global Capital Limited (CGCL.NS) - Overview

• Customer focus: design of adaptable loan products for micro, small and medium enterprises and thin-file customers.
• Financial inclusion: targeted lending to borrowers with limited formal credit history to expand access to formal finance.
• Dual impact orientation: simultaneous pursuit of sustainable profitability and measurable social outcomes.
• Product breadth: expansion from wholesale and MSME lending into consumer finance, affordable housing finance and lending against property over time.
• Innovation & technology: use of data-driven underwriting and digital processes to improve reach and credit decisioning.

• Geographic reach: pan‑India presence with concentration in semi‑urban and rural markets to serve MSMEs and thin‑file customers.
• Customer segments served: small business owners, self‑employed individuals, micro industrialists, affordable housing borrowers and small traders.
• Distribution channels: field sales, branch network, digital sourcing partners and fintech tie‑ups to extend reach and speed of credit delivery.

• Product design: flexible tenors, collateral-light and custom repayment structures to suit irregular cash flows common among MSMEs.
• Underwriting approach: alternate-data scoring and relationship underwriting to assess creditworthiness beyond traditional credit bureau reliance.
• Risk & capital management: maintaining GNPA and NNPA within targeted ranges while diversifying funding to sustain growth and protect margins.
• Social metrics: number of small businesses financed, jobs supported and borrowers onboarded without prior formal credit history (tracked internally as part of impact monitoring).

Capri Global Capital Limited (CGCL.NS) - Mission Statement

• Target population: low- and middle-income households, micro and small enterprises, affordable housing borrowers, and small developers.
• Core approach: patient capital, risk-adjusted pricing, and customized credit products to suit underserved profiles.
• Impact orientation: combine credit with financial literacy, livelihood support, and community-led monitoring.

• Affordable housing and construction finance - lending to first-time and incremental home buyers and small developers.
• MSME and small business finance - targeted working capital and term loans to spur enterprise growth.
• Consumer and microfinance verticals - last-mile credit through field networks and digital channels.

• Geographic expansion of branch and field teams to underserved districts and peri-urban centers.
• Product innovation: staged-construction housing loans, micro-enterprise credit lines, and bundled financial services.
• Partnerships with affordable housing developers, fintech platforms, and community organizations to boost reach and lower delivery costs.
• Risk management enhancements - diversified collateral frameworks, granular underwriting for small loans, and robust collections infrastructure.

• Inclusion metrics: proportion of customers from low-income cohorts and first-time borrowers tracked across portfolios.
• Responsible lending: interest-rate transparency, affordability assessments, and grievance redress mechanisms.
• Community programs: financial literacy camps and livelihood support linked to lending products.

Capri Global Capital Limited (CGCL.NS) - Vision Statement

• Customer-Centricity: Understanding customer needs and pain points and going the extra mile to create customer delight. This translates into product flexibility, quicker turnaround times, and tailored repayment options for diverse customer segments.
• Personalization: Adopting a localized approach that imbibes cultural nuances and behavioral insights to offer personalized lending solutions-rural microfinance, small business loans, affordable housing finance and vehicle finance are adapted regionally.
• Efficiency: Harnessing technology and innovation to deliver enhanced value, speed and efficiency to customers while continuously reducing and optimizing costs through process automation, analytics-driven underwriting, and digital collections.
• Positive Impact: Delivering happiness for customers, employees and communities by improving lives and making a positive impact every day, every time, one at a time-via financial inclusion programs, livelihood support and CSR outreach.
• Merit: Recognizing and rewarding performance based on merit, fostering a culture of excellence and accountability across branches, risk teams and support functions.
• Knowledge: Encouraging continuous learning and development to enhance skills and expertise, ensuring informed decision-making and innovation through regular training and data-driven knowledge sharing.

• Digital underwriting and decisioning: Reducing time-to-approve by up to 40% in retail segments through bureau integration, alternative-data scoring and paperless workflows.
• Localized branch model: Over 300 branches and a field network designed to tailor products to regional demand and cultural nuances.
• Product personalization: Tiered microenterprise and MSME products with flexible tenor and EMI structures to match cash-flow patterns.
• Employee development: Structured learning programs and merit-based incentives-internal talent pipelines have reduced senior recruitment costs and improved retention.
• Financial inclusion and CSR: Microcredit and livelihood programs reaching thousands of households annually, aligning business growth with community upliftment.