Capri Global Capital Ltd Announced Audited Financial Results For Quarter And Year Ended March 31st, 2025

* Consolidated Key Performance Highlights for 4QFY25 & FY25

The Board of Directors of Capri Global Capital Ltd. (CGCL), a non-deposit taking and systemically important NBFC (NBFC-ND-SI) announced the audited financial results for the quarter and year ended March 31st, 2025. 

Key take aways are as follows:

Business and Earnings Performance

Delivers Strong 4Q FY25 Operational Performance; Consolidated AUM Crosses Rs 22,850 crores

CGCL continued the robust growth trajectory in 4QFY25. The consolidated AUM including co-lending AUM increased 46% YoY to touch Rs 22,857 crores. Retail AUM growth was driven by Gold Loans up by 130% YoY and Housing Loans up by 24% YoY. The co-lending AUM reached Rs 4,079 crores, forming 17.8% of total consolidated AUM, up from 11.7% in 4QFY24, reflecting CGCL’s deepening partnerships with leading banks. Disbursements grew by 41% YoY to Rs 8,389 crores in. The growth remains granular and diversified, with live customer accounts surpassing 720k.

Record Profit Growth in FY25; PAT Surges 71% YoY

Capri Global Capital Limited closed FY25 on a high note, reporting a robust PAT of Rs 479 crores, up 71% YoY, reflecting margin expansion, strong operating leverage and consistent growth across business segments while maintaining robust asset quality. For 4QFY25, PAT grew to Rs 178 crores, marking a stellar 115% YoY and 39% sequential growth. The company delivered healthy profitability metrics for 4QFY25, with RoAE and RoAA of 16.9% and 3.6% respectively, underscoring CGCL’s disciplined approach to capital allocation and risk-adjusted returns. Net Interest Income for the FY25 rose to Rs 1,332 crores, marking a 35% increase YoY, driven by strong expansion in the retail loan book and continued margin improvement. Blended yields and spreads stood at 17.3% and 7.8%, respectively, reflecting strength in pricing and portfolio mix.

Strong Growth in Fee-Based Income; Non-Interest Revenue Remains a Key Strategic Lever

We continue to strengthen non-interest income streams in FY25, reinforcing our strategy of building a diversified and resilient earnings profile. Non-interest income grew by 31% YoY in FY25 to Rs 501 crores, which contributed 27.3% of net total income for the year, supported by robust growth in co-lending fee income and insurance distribution.

The company’s car loan distribution business maintained its upward momentum, with origination of Rs 2,969 crores in 4QFY25, reflecting an 8% YoY increase. With a rapidly expanding footprint and strong relationships across 12 partner banks and financial institutions, CGCL has established a scalable platform in this segment.

On the insurance distribution front, CGCL generated net fee income of Rs 73 crores in FY25, and expects this to remain a meaningful contributor going forward, aided by partnerships with 18 insurance companies and growing penetration across retail customer base.

Operational Efficiency Strengthens with Expanding Scale and Technology Integration

Our branch network expanded to 1,111 locations in 4QFY25, with a net addition of 45 new branches, while the employee base grew 13% YoY to 11,410. Investments made over the past three years are yielding results, with the cost-to-income ratio improving to 54.8%, down from 70.5% in 4QFY24 and 58.2% in 3QFY25.

Supported by better productivity and digital enablement, pre-provision operating profit rose 61% YoY to Rs 734 crores in FY25, reflecting strong operating leverage and execution efficiency.

Improved Asset Quality Backed by Analytics-Led Underwriting

CGCL is investing in advanced analytics and data science capabilities to enhance customer risk profiling, which will further improve underwriting and allow better risk based pricing. Our credit cost for FY25 stood at Rs 101 crores, an improvement from 0.79% in FY24 to 0.63% in FY25. Gross Stage 3 ratio improved to 1.5% in 4QFY25, down by 40 bps YoY. Net Stage 3 ratio improved to 0.9%, down by 17 bps YoY. PCR on Stage-3 loans stood at 41.7% in 4QFY25.

Strong Capital Adequacy

CGCL maintains a robust financial position with a strong standalone CAR of 22.8% in 4QFY25, supported by a Net worth of Rs 3,965 crores. Similarly, CGHFL boasts a CAR of 26.9% and a Net worth of Rs 852 crores ending 4QFY25.

Founder & Managing Director Mr. Rajesh Sharma Commented:

“We continue to see significant opportunities in underpenetrated segments, and our diversified, secured lending model is well-positioned to deliver sustainable, profitable growth. Our tech-led infrastructure, strong co-lending partnerships, and focus on customer experience are enabling us to scale efficiently and responsibly. Momentum remains strong across all segments, including newly launched products. Margin expansion through high-yield offerings, steady growth in fee-based income, and tech-driven cost efficiencies are supporting robust profitability. Operating leverage and data-backed underwriting are enhancing productivity and keeping credit costs in check, while cross-sell opportunities drive growth without additional acquisition costs. Backed by strong asset quality and capital adequacy, we are confident of achieving Rs.50,000 Cr in AUM and RoAE of 16-18% by FY28.”

Coke Studio Bharat Hits The Third Note With Punjab Vekh Ke, A Tale Of Land, Loyalty And Lyrical Legacy

Link to the Video: https://youtu.be/lypisKZEcdQ?si=DLYwHTsgxmzM2vRZ

Coke Studio Bharat, the iconic stage celebrating the confluence of diverse musical styles, drops its third track of its third season - Punjab Vekh Ke. Voiced by the powerful quartet of Jassa Dhillon, Gulab Sidhu, Raaginder, and Thiarajxtt, this tribute plunges into the vibrant soul of Punjab, a land with an untamed, roaring spirit.  With each beat soaked in mitti di khushboo, the track is a soulful celebration of Punjab’s undying jazba—bold in its pride, faithful in its essence, and timeless in its resilience.

Punjab Vekh Ke is a heartfelt tribute to the lok — everyday individuals whose lives reflect the spirit, pride, and timeless traditions of Punjab. It’s a lyrical journey that celebrates culture, community, and identity with grace and grit. Punjab Vekh Ke stands at the crossroads of heritage and expression, blending poetic pride with a powerful sense of belonging. Set in the timeless terrain of Punjab, where the air carries hues of unity and wheat stalks bloom with love, the song is a melodious fusion of folk and contemporary rhythms, pulsating with emotions, courage, and humility. The lyrics beautifully paint a vivid portrait of a land where the mitti holds stories of pride, and the breeze hums with the spirit of hope and harmony.  But beyond that, the song honors the Punjabi ethos of giving back: standing tall for humanity, embracing equality, and building bonds that transcend caste, status, and fear.

With a soundscape that blends tumbi-inspired textures, deep percussion, and sharp lyrical storytelling, Coke Studio Bharat builds a landscape that’s as rooted as it is rousing.

Shantanu Gangane, IMX Lead, Coca-Cola India said, “This season of Coke Studio Bharat is rooted in the idea of bridging the traditional with the contemporary, bringing India’s cultural legacy into today’s soundscape. With this track, we delve into the soul of Punjab, a land that has always echoed strength, spirit, and storytelling. By providing a platform to artists like Gulab Sidhu, Jassa Dhillon, Raaginder, and Thiarajxtt, we’re enabling a new wave of voices to reinterpret heritage in a way that speaks to the next generation.”

Jassa Dhillon said, “Being part of Coke Studio Bharat is a true privilege, and we are extremely honored to bring our stories forward on a platform that’s truly regional voices front and centre. This track hits hard, it’s unapologetically Punjabi, straight from the heart, with every beat and lyric soaked into who we are.”

Gulab Sidhu said, “Singing about the land I love is always close to my heart, and with Punjab Vekh Ke, I had the privilege of doing so alongside some incredibly talented collaborators. Coke Studio Bharat is helping us to disseminate our roots at global level and that means a lot.”

Raaginder said, “Being part of Coke Studio Bharat has been creatively fulfilling. It’s rare to find a space that lets tradition breathe while pushing the sound forward.”

Thiarajxtt said “This was more than just making music and was more about representing a community, a feeling. And Coke Studio Bharat gave us the space to do that right, and it’s truly a blessing.

As Coke Studio Bharat Season 3 unfolds, expect more stories that spark connection, bringing together voices, regions, and generations under one immersive, ever-evolving soundscape.

About Coca-Cola India:

Coca-Cola in India is one of the country’s leading beverage companies, offering a range of high-quality and refreshing beverage options to consumers. The company, in line with its vision of ‘Beverages For Life’ offers a wide portfolio of products which includes hydration, sports, sparkling, coffee, tea, nutrition, juice and dairy based products. In India its beverage range includes Coca-Cola, Coca-Cola Zero Sugar, Diet Coke, Thums Up, Charged by Thums Up, Fanta, Limca, Sprite, Maaza, Minute Maid range of juices and Honest Tea. The Company also offers hydration beverages including Limca GlucoCharge, Smartwater, Kinley, Kinley Copper, Dasani and Bonaqua packaged drinking water and Kinley Club Soda. Premium products constitute Schweppes and Smartwater. In addition, it offers a Costa Coffee range of tea and coffee. The Company is constantly transforming its portfolio, from reducing sugar in its drinks to bringing innovative new products to market.

The Company along with its owned bottling operations and franchise bottling partners has a strong network of close to 5 million retail outlets through which it refreshes millions of consumers across the country. It seeks to positively impact people’s lives, communities and the planet through water replenishment, packaging recycling, sustainable agriculture initiatives and carbon emission reductions across its value chain.

Globally together with its bottling partners, The Coca-Cola Company employs more than 700,000 people, helping to bring economic opportunity to local communities worldwide. Learn more at www.cocacolacompany.com and follow us on Twitter, Instagram, Facebook and LinkedIn.

Quest Global & BP Collaborate To Further Energy Innovation In India

Quest Global, a leading global product engineering services company, has been chosen by BP, a global energy leader, to establish a dedicated center in Bengaluru in an initiative intended to support BP’s strategy of growing its upstream business and investing with discipline in the energy transition.   

Under the collaboration, Quest Global is identifying and onboarding talent to support BP’s projects across its production & operations and gas & low carbon energy businesses, aiming to advance innovation and deliver impactful solutions for BP’s global activities.  

The Bengaluru centre achieved the milestone of training its first 100 engineers in the last year and is now set to scale up. Work done at the centre will complement ongoing innovation work at BP’s existing hubs, including the Technical Solutions hub in Pune.  

Commenting on this collaboration, Ajit Prabhu, Co-founder & CEO, Quest Global, said, “We are honoured to be working with bp as it scales up its business and technology centres worldwide. With our unparalleled customer focus, proven partnership playbook, aligned culture and entrepreneurial mindset to deliver outcomes over output, I’m very confident towards a future with bp that positively impacts the energy industry.” 

About Quest Global:

At Quest Global, it's not just what we do but how and why we do it that makes us different. We are in the business of engineering, but what we are really creating is a brighter future. For over 25 years, we've been solving the world's most complex engineering problems. Operating in 18 countries, with over 84 global delivery centers, our 21,000+ curious minds embrace the power of doing things differently to make the impossible possible. Using a multi-dimensional approach, combining technology, industry expertise, and diverse talents, we tackle critical challenges faster and more effectively. And we do it across the Aerospace & Defense, Automotive, Energy, Hi-Tech, MedTech & Healthcare, Rail and Semiconductor industries. For world-class end-to-end engineering solutions, we are your trusted partner.  

Great Learning To Host A Unique Workshop To ‘Fast Track Your AI Journey With Hands-On Gen AI And Low-Code Skills’

Great Learning, a global leader in higher education and professional training, is set to host a high-impact, two-hour workshop to help professionals fast-track their AI journey through real-world Gen AI and low-code experience. The hands-on workshop titled ‘Become AI-Ready 10X Faster: A Workshop on Gen AI & Low-Code’, scheduled for May 10th at 12:00 PM, is specially designed for working professionals, tech enthusiasts, and students looking to harness the power of Gen AI with minimal coding expertise. As AI continues to reshape industries through innovation and efficiency, the demand for professionals who can quickly adapt and apply these technologies is growing rapidly. 

The workshop will be led by Shelton Maharesh, Senior Product Manager – GenAI and Data Science at Eventim Austria, and offer participants hands-on, practical insights into the world of Generative AI and low-code development - empowering them to fast-track their learning and stay ahead in a tech-driven landscape.

Aspirants can register for this workshop for a nominal fee of Rs. 99 and gain access to a high-impact session that will break down complex AI concepts for better understanding. Attendees will also receive a comprehensive AI Handbook, an official Certificate of Completion, access to a dedicated Telegram community for continued learning, and a Rs. 20,000 discount on Great Learning’s Accelerator Programs in AI and Data Science.

Limited seats are available for this exclusive session. Register now through this link, and kickstart the journey to becoming AI-ready, 10x faster.

This initiative is part of Great Learning’s ongoing effort to make cutting-edge tech education accessible and industry-relevant. Learners interested in diving deeper post-workshop can explore advanced programs such as the Artificial Intelligence Accelerator Program and the Data Science Accelerator Program, both designed to build expertise through structured learning and mentorship.

About Great Learning

Great Learning is a leading global EdTech company for professional learning and higher education. It offers comprehensive, industry-relevant, hands-on learning programs across various business, technology, and interdisciplinary domains driving the digital economy. These programs are developed and offered in collaboration with the world's foremost academic institutions in various formats, including certificate programs, diplomas and degrees. The Great Learning platform enables the highly qualified, world-class faculty at these universities, together with its vast network of 7600+ industry expert mentors, to deliver an unmatched learning experience for over 12 million learners from over 170 countries around the world. 

New Guidelines For MASLD And Type 2 Diabetes Recommend Plant Proteins For Liver Health

India is facing an alarming rise in Metabolic Dysfunction-Associated Steatotic Liver Disease (MASLD) and Type 2 Diabetes (T2D), with MASLD now affecting 27.4% of the population and more than 77 million individuals diagnosed with diabetes. These twin epidemics often coexist, compounding health risks such as heart disease, kidney disease, liver cancer, and stroke.

Recognizing the urgent need for intervention, a panel of experts has released new guidelines specifically for screening and treatment of Asian Indian patients managing both conditions. The guidelines recommend some key dietary and lifestyle modifications like limiting saturated fats, including ghee, coconut oil, and butter, which are often mistakenly considered healthy. Consuming too much of these fats promotes liver fat build-up and chronic inflammation, raising the risk of several chronic diseases that Asians are particularly prone to.

Published in the journal Diabetes and Metabolic Syndrome: Clinical Research and Reviews by Elsevier, the guidelines highlight the powerful role of plant-based diets in improving metabolic health. They highlight the importance of adequate protein intake, particularly from plant-based sources like legumes, nuts, and seeds.

"Insulin resistance, overweight, and obesity are key drivers behind both Type 2 Diabetes and MASLD," said Dr. Zeeshan Ali, PhD, Nutrition Expert and Research Program Specialist at the Physicians Committee for Responsible Medicine (PCRM).

"Research shows that a whole-food plant-based diet can reduce the underlying causes of T2D—excess fat accumulation inside cells, insulin resistance, and chronic inflammation. This approach not only supports blood glucose control but also reduces liver fat, promoting better overall metabolic health," he added.

Plant-based diets have gained traction as an effective strategy for preventing and managing diabetes, with studies showing a more than 30% reduction in liver fat within weeks of dietary change. A randomized trial also found that 43% of participants following a low-fat, plant-based diet were able to reduce their diabetes medications compared to just 26% in the conventional diet group.

The new guidelines echo the growing evidence, calling for diets high in complex carbohydrates, plant-based proteins, and healthy fats, along with regular physical activity and the elimination of alcohol.

For millions of Indian patients battling diabetes and liver disease, a shift toward plant-based nutrition offers a powerful, accessible tool for reclaiming health—one plate at a time.

Decimal Point Analytics Converts Interns Into Full-Time Employees Under Its CSR Initiative ‘Dnyanodapi Dhanodapi’

Decimal Point Analytics has successfully transitioned six interns into full-time employees under its CSR initiative, ‘Dnyanodapi Dhanodapi.’ This annual program, now in its third edition, is dedicated to providing corporate exposure to deserving young minds from rural and economically disadvantaged backgrounds who often lack access to professional training and career-building opportunities. The initiative bridges this gap by nurturing high-potential students, equipping them with industry-relevant skills, and integrating them into the corporate ecosystem.

The 2024 selection process saw a remarkable response, with 483 candidates applying across six campuses. From this pool, 85 candidates were shortlisted for interviews and interactions, culminating in the final selection of six students. Notably, the program achieved a female-to-male ratio of 2:1, reflecting Decimal Point Analytics' strong commitment to gender diversity. The growing number of applicants compared to previous years highlights the rising interest in financial analytics careers among talented students in rural areas.

Through a rigorous internship, these selected students gained hands-on experience in AI-driven financial analytics, exposure to industry best practices, and professional mentorship. Their exceptional performance and dedication have now led to six of them securing full-time employment with Decimal Point Analytics.

Speaking about the initiative, Shailesh Dhuri, CEO at Decimal Point Analytics, emphasized the importance of knowledge as true wealth that empowers individuals and drives progress. He highlighted that ‘Dnyanodapi Dhanodapi’ not only imparts industry-relevant skills but also ensures that young professionals, especially those from underserved regions, have a strong foundation to build their careers. Drawing an analogy to the commando training of armed forces, he remarked, "Just as Army commando training transforms individuals from any background into the sharpest and most capable soldiers in the world, our initiative aims to bring deserving young minds from rural and poor backgrounds to the cutting edge of data analytics." Converting interns into full-time employees reaffirms the company's commitment to nurturing talent and contributing to the community.

This initiative aligns with Decimal Point Analytics' broader CSR vision of empowering the next generation by integrating education, technology, and career-building opportunities. By bridging the gap between academia and industry, the company continues to pave the way for young professionals to excel in the evolving world of AI-driven financial services.

For more details on Dnyanodapi Dhanodapi, visit: https://www.decimalpointanalytics.com/dnyanodapi-dhanodapi

Odysse Electric Targets New Market Segments With Expanded Offerings; Launches All-New Low-Speed Electric Scooter HyFy

Odysse Electric Vehicles, one of India’s fastest-growing premium electric vehicle manufacturers announced a strategic expansion of its product portfolio with the introduction of its all-new low-speed electric scooter HyFy. With this launch, Odysse Electric reinforces its commitment to sustainable and accessible urban mobility solutions. Odysse HyFy is priced affordably at INR 42,000.

A Game-Changer for Everyday Commuters

Designed for city commuters seeking a cost-effective and eco-conscious alternative to conventional petrol scooters, Odysse HyFy is an all-new low-speed model that combines sleek design, reliable performance, and zero emissions. With a focus to redefine urban commuting and ease of use, compliance with regulations, and minimal maintenance, Odysse HyFy is ideal for students, professionals, and last-mile delivery riders.

Odysse HyFy executes with a 250W motor equipped with 48V or 60V battery configurations and achieves a speed of up to 25 km/h. With various features such as city drive, parking, and reverse ride modes, Odysse Hyfy is best suited for whether you're commuting to work or cruising on the weekend. With features like practical boot space to carry your daily essentials with ease, cruise control adding comfort on longer routes along with LED digital meter keeps you informed in real time.

Mr. Nemin Vora, Founder, Odysse Electric commenting on the launch said “Our new low-speed scooter is a testament to Odysse’s commitment to innovation, sustainability and aim to make sustainable mobility even more accessible to a wider audience. By addressing the needs of price-conscious commuters and last-mile delivery networks, our objective is to accelerate India’s shift toward cleaner, smarter mobility. Odyse HyFy isn’t just a scooter, it’s a step toward a greener future and a perfect product for daily commuters looking for an economical, efficient, and eco-friendly ride without compromising on quality or performance.”

Key Features of Odysse HyFy:

*  Top Speed: 25 km/h (compliant with low-speed EV regulations)

*  Range: Up to 70-89 km on a single charge

*  Battery: Advanced lithium-ion and Graphene

*  Charging time- 4-8 hours

*  Lightweight & Compact: Easy maneuverability in traffic

*  Smart Features:  Adequate Boot Space, Cruise Control, LED Meter

* Available in 5 vibrant colors : 1. Royal Matte Blue, 2. Ceramic Silver, 3. Aurora Matte Black, 4. Flare Red, 5. Jade Green

Odysse Hyfy makes a perfect choice for new riders and middle-class mobility enthusiasts who are seeking affordable, eco-friendly transportation. With its combination of features, performance, and affordability, Odysse Electric reinforces its mission to make electric mobility more inclusive, stylish, and practical for India’s evolving urban landscape.

Priced competitively at ?42,000 (ex-showroom Mumbai), Odysse HyFy offers exceptional value for money. It will be available nationwide through Odysse’s extensive dealership network of 150+ and e-commerce platforms starting 10 May 2025. Early-bird customers can avail exclusive discounts and warranty benefits.

Established in 2020, Odysse Electric is at the forefront of reshaping India's electric vehicle landscape. Odysse Electric offers one of the largest product portfolios, comprising 7 models which includes 2 low-speed scooters, 2 high-speed scooters, a delivery scooter targeted to B2B segment, an EV sports bike, and a commuter bike for daily users. The product range includes: -

Electric motor cycle Vader (with 7” Touchscreen Android Display, AIS-156 approved battery, five drive modes, 18-liters storage space, Robust build)

Electric bike EVOQIS & Evoqis Lite(with four drive modes, keyless entry, anti-theft lock and motor cut-off switch)

Latest addition of High-Speed Electric scooter SNAP (AIS 156 approved smart Portable Battery, waterproof motor, Distance to Empty & CAN enabled display)

High Speed Electric scooter HAWK Li (India’s first electric scooter with cruise control & Music system along with portable battery)

Low Speed - E2Go Lite, E2go+ and E2GO Graphene (electric scooter with portable battery, USB charging, digital speedometer and keyless entry)

Low speed electric scooter V2 Lite , V2 Graphene and V2+ (waterproof motor, huge boot space, dual battery and led lights)

Electric scooter TROT 2.0 for last-mile delivery (Loading capacity of 250 kgs and IoT).