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Invest in Public Issue

CAPRI Global Capital Limited


Opening Date

Sep 30, 2025

Closing Date

Oct 14, 2025

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Allotment

First Come
First Serve

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Credit Rating

ACUITE AA Stable Acuite Ratings & Research Limited

IVR AA/ Positive Infomerics Valuation and Rating Limited

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Base Issue

₹200 Crores

Greenshoe

₹200 Crores

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Highest Yield

9.69%

Min. Investment

₹10,000

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Issue Details

Essentials

Issue price

₹1,000

Face Value

₹1,000/ NCD

Issue Size

₹400 Crores

Minimum Investment

₹10,000 (10 NCDs)

Rating

ACUITE AA Stable Acuite Ratings & Research Limited

Listing on

BSE

Issue Opening Date

Sep 30, 2025

Issue Closing Date

Oct 14, 2025

Mode of Issue

Public Issue

Registrar

MUFG Intime India Private Limited

Mode of allotment and Trading

Dematerialized

About the Issuer

Capri Global Capital Limited is a well-diversified, retail-focused, systemically important non-deposit taking NBFC in India, offering secured and collateralized loans across MSME, housing, gold and construction finance segments. The Company has also expanded into Micro LAP, indirect lending, and distribution of new car loans through its wholly-owned subsidiary. With a consolidated AUM of ₹247,528.31 million as of June 30, 2025, the Company has achieved robust growth at a CAGR of 48.83% between FY23 and FY25. Disbursements grew at a CAGR of 80.61% during the same period, while PAT registered a CAGR of 52.91%. Its gold loan, MSME and housing finance businesses cater largely to self-employed and salaried individuals with limited access to formal credit channels. Capri Global is planning to enter into financial services and stock broking business through new subsidiaries and holds an IRDAI composite license to distribute insurance products in partnership with 18 insurers. The Company’s third-party new car loan distribution business originated loans worth over ₹105,518.76 million in FY25. With a wide presence across 19 states through 1,138 branches and a workforce of 11,546 employees, Capri Global continues to strengthen its customer base of over 0.56 million. Supported by dedicated technology centres in Gurugram, Bengaluru and Noida, it is investing in in-house digital and data science capabilities.

Competitive Strengths

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Retail-Focused Lending with Asset-Light Streams.

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Technology-Led Productivity and Operational Efficiency.

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Experienced Leadership and Strong Governance.

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Well-Established NBFC Driving Sustainable Growth.

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Expansion Driven by Hybrid Sourcing Model.

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Prudent Underwriting and Risk Management.

Objectives for IPO Issue

For the purpose of Working Capital–- 75% of the amount raised and allotted in the Issue

For General Corporate Purposes–- 25% of the amount raised and allotted in the Issue

Source: Invest only after referring to the Prospectus dated September 22, 2025.

Disclaimer: Invest only after referring to the Prospectus dated September 22, 2025.

Available Bonds Options

Series I II III IV V VI
Nature
Secured Secured Secured Secured Secured Secured
Frequency of Interest Payment
Monthly Annual Monthly Annual Annual Annual
Face Value of NCDs (₹ /NCD)
₹ 1000 (1 NCD) ₹ 1000 (1 NCD) ₹ 1000 (1 NCD) ₹ 1000 (1 NCD) ₹ 1000 (1 NCD) ₹ 1000 (1 NCD)
Tenor
18 months 18 months 36 months 36 months 60 months 120 months
Coupon (%) per annum for all Categories
8.55% 8.90% 8.90% 9.25% 9.45% 9.70%
Effective Yield (%) (per annum) for all Categories
8.89% 8.96% 9.27% 9.24% 9.44% 9.69%
Redemption Amount (₹ /NCD) on maturity for Debenture Holders for all Categories
₹ 1000 ₹ 1000 ₹ 1000 ₹ 1000 ₹ 1000 ₹ 1000

Allocation Ratios

Particulars Category I Category II Category III Category IV
% of the Issue size 25% 25% 20% 30%
Base Issue Size (in ₹ crore) 50 50 40 60
Green Issue Size (in ₹ crore) 50 50 40 60
Total Issue Size (in ₹ crore) 100 100 80 120

Frequently Asked Questions

What is the Issue Size?

  • ₹ 200 Crores (Base Issue) with a green shoe option of Rs. 200 Crores aggregating up to ₹ 400 Crores

Credit Rating for the NCDs?

  • The NCDs proposed to be issued under the Issue have been rated Care ACUITE AA | Stable for an amount of ₹ 400 crore by Acuite Ratings & Research Limited vide its rating letters dated September 11, 2025, and press release for rating rationale dated September 11, 2025 and “IVR AA/ Positive” for an amount of ₹ 400 crore by Infomerics Valuation and Rating Limited vide its rating letter dated September 15, 2025, and press release for rating rationale dated September 16, 2025.

Security?

  • A first pari-passu charge, by way of hypothecation, shall be created on standard receivables including the loan book, unencumbered cash, and bank balances of the Company, to be shared with existing and future lenders (excluding receivables offered exclusively as security to National Bank for Agriculture and Rural Development). The security shall be created upfront and perfected within 30 days from the date of creation. The Company shall maintain a security cover of at least 1.10 times the entire secured obligations throughout the tenure of the NCDs.

What is the face value/ Issue Price of the NCDs?

  • Rs. 1,000/- Per NCD

What is the frequency of interest payment?

  • Series I, III – Monthly Coupon
  • Series II, IV, V,VI – Annual Coupon

What is the minimum application amount?

  • Rs. 10,000/- (10 NCDs) and in multiple of Rs. 1,000/- (1 NCD) thereafter (for all the options of NCDs either taken individually or collectively)

Modes of Applying?

  • Application through the ASBA Process (for all applicants). Retail Individual applicant may use the UPI mechanism to block funds for application value up to Rs. 5 Lakhs submitted through the app/web interface of the Stock Exchange or through intermediaries (Syndicate members, Registered Stock Brokers, Registrar and Transfer agent and Depository Participants)

Who is not eligible to invest in the issue?

  • The following categories of persons, and entities, shall not be eligible to participate in the Issue and any Applications from such persons and entities are liable to be rejected:
  • a. Minors without a guardian name* (A guardian may apply on behalf of a minor. However, the name of the guardian will also need to be mentioned on the Application Form);
  • b. Foreign nationals, NRI inter-alia including any NRIs who are (i) based in the USA, and/or, (ii) domiciled in the USA, and/or, (iii) residents/citizens of the USA, and/or, (iv) subject to any taxation laws of the USA;
  • c. Person’s resident outside India and other foreign entities;
  • d. Foreign Institutional Investors;
  • e. Foreign Portfolio Investors;
  • f. Non-Resident Indians;
  • g. Qualified Foreign Investors;
  • h. Overseas Corporate Bodies**;
  • i. Foreign Venture Capital Funds;
  • j. Any other category of applicants, not provided for, as disclosed in the section “Issue Procedure-Who can apply?” at page 283; and
  • k. Person’s ineligible to contract under applicable statutory/ regulatory requirements.
  • * Applicant shall ensure that guardian is competent to contract under Indian Contract Act, 1872
  • ** The concept of Overseas Corporate Bodies (meaning any company, partnership firm, society and other corporate body or overseas trust irrevocably owned/held directly or indirectly to the extent of at least 60% by NRIs), which was in existence until 2003, was withdrawn by the Foreign Exchange Management (Withdrawal of General Permission to Overseas Corporate Bodies) Regulations, 2003. Accordingly, OCBs are not permitted to invest in the Issue.

Can the application be made on joint names?

  • Applications may be made in single or joint names (not exceeding three). In the case of joint Applications, all payments will be made out in favour of the first Applicant. All communications will be addressed to the first named Applicant whose name appears in the Application Form and at the address mentioned therein.

Listing?

  • The NCDs are proposed to be listed on BSE.

Tenor?

  • Series I, II – 18 Months
  • Series III, IV – 36 Months
  • Series V – 60 Months
  • Series VI – 120 Months

Basis of Allotment

  • Category I (Institutional) - 25 % of the Issue Size
  • Category II (Non-Institutional)- 25 % of the Issue Size
  • Category III (HNI) - 20 % of the Issue Size
  • Category IV (Retail Individual) - 30 % of the Issue Size

Can an applicant trade the NCDs in the market?

  • Yes. The NCDs will be listed on BSE. The trading of the NCDs shall be in dematerialized form only

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