Capri Global Capital Limited (Capri Loans) is a leading diversified Non-Banking Financial Company (NBFC) focused on serving underserved yet credit-worthy micro and small enterprises in India. Founded in 2011, the company has steadily evolved from a construction finance-focused enterprise to a holistic lending powerhouse, offering secured MSME loans, housing finance, gold loans, and micro-LAP (Loan Against Property) solutions. With a customer-first approach, strong compliance, and digitized processes, Capri Loans continues to empower entrepreneurs and families across urban and semi-urban India. Its mission is to build inclusive financial services by providing flexible and innovative solutions that promote socio-economic mobility and financial independence.
This blog covers Capri Loans’ inspiring growth journey, key historical milestones, and diverse services—ideal for students and professionals preparing for interviews or exploring industry insights.
1. Overview of Capri Loans
About
| Attribute | Details |
|---|---|
| Founders | Mr. Rajesh Sharma |
| Industry Type | Financial Services |
| Founded | 2007 |
| Headquarters | Mumbai, Maharashtra, India |
History
Foundation and Expansion
- 2011: Capri Loans was founded and raised INR 4.5 billion in equity capital. The company launched its Construction Finance business.
- 2013: Ventured into fully secured MSME Lending, marking its diversification into small enterprise finance.
Diversification Phase
- 2017: Forayed into the Housing Finance vertical, enabling affordable housing solutions for underserved families.
Strengthening Partnerships & Launches
- 2021:
- Commenced third-party distribution of new car loans.
- Announced co-lending tie-ups with SBI and Union Bank.
- Branch network expanded to 110+ across 11 States and Union Territories.
- Workforce crossed 2,800+ employees.
- 2022:
- Announced entry into Gold Loans in February.
- Business formally launched in August 2022.
Scaling and Innovation
- 2023:
- Raised INR 14.4 billion Equity via Rights Issue.
- Signed new co-lending tie-ups for MSME, HL (Housing Loan), and GL (Gold Loan).
- Received IRDA license to distribute insurance products.
- 2024:
- Launched Micro-LAP (Loan Against Property) business segment.
- Infused INR 2.0 billion Equity in CGHFL (Capri Global Housing Finance Ltd).
Key Milestones
| Year | Milestone |
|---|---|
| 2011 | Raised INR 4.5 Bn equity capital and began Construction Finance business. |
| 2013 | Entered fully secured MSME Lending market. |
| 2017 | Diversified into Housing Finance vertical. |
| 2021 | Partnered with SBI & Union Bank; expanded branch network; 2800+ employees. |
| 2022 | Entered Gold Loans; launched the business in August 2022. |
| 2023 | Raised INR 14.4 Bn equity; received IRDA insurance distribution license. |
| 2024 | Introduced Micro-LAP segment; INR 2 Bn equity infusion in CGHFL. |
2. Company Culture and Values
Mission
The mission is rooted in financial inclusion. By offering flexible and tailored loan solutions, Capri Loans aims to support diverse customer needs—from micro-entrepreneurs to rural families—helping them move closer to their dreams with transparency, trust, and innovation at the core.
Vision
Capri Loans envisions a future where credit is not a barrier but a bridge. The focus is on creating a level playing field where underserved individuals and businesses can access the financial tools they need to succeed—ensuring every Indian, regardless of background, can participate in economic progress.
Social Impact
Capri Loans goes beyond lending—it partners with communities. The organization is committed to uplifting lives by providing financial access, fostering local entrepreneurship, and contributing to a stronger, more self-reliant society.
Core Values
- Capital as a “Change for Good”: The right capital at the right time holds the power to open doors of opportunity and initiate meaningful transformation. It enriches lives beyond financial returns—enabling access to health, education, and better living standards. This value stands for acting as a catalyst in creating a cycle of positive change.
- Collective Social Growth and Well-being: True societal progress isn’t defined by the prosperity of a few but by the upliftment of all. Supporting MSMEs and affordable housing sectors contributes to a broader economic impact, generating ripple effects that elevate entire communities.
- People Take Priority: People are valued first—not just as customers, but as individuals with dreams, families, and aspirations. Capri Loans emphasizes empathy and personal progress, knowing that real success lies in improving lives, not just numbers.
- Identity Beyond Economic Status: Everyone deserves a chance to change their circumstances. This value focuses on empowering underserved communities by recognizing potential through personal interactions instead of rigid credit histories—enabling inclusive access to financial support.
- One Team. One Purpose: Unified by a common vision, each team member across departments and geographies contributes uniquely toward transformation. The combined effort of dedicated individuals powers not only business growth but also drives meaningful social change.
- The Determined & Enterprising: In a system where capital is often unequally distributed, Capri Loans chooses to act—bridging the gap between the privileged and the underserved. The value celebrates those who are determined to rise, and commits to empowering them with the means to succeed.
3. Product & Service Offerings
Capri Loans offers a comprehensive range of financial services designed to meet the diverse needs of individuals and businesses. These services ensure financial inclusion and drive overall economic prosperity. Here is a detailed look at their offerings:
1. MSME Loans (Micro, Small & Medium Enterprise Loans)
Capri Loans provides secured business loans to MSMEs to fuel their business growth. These loans are structured to empower entrepreneurs and self-employed individuals in underserved markets.
Loan Amount: ₹5 lakhs to ₹50 lakhs
Purpose: Working capital, business expansion, purchase of machinery, or managing cash flow
Collateral: Residential, commercial, or industrial property
Tenure: Up to 15 years
Repayment: EMI-based, with floating and semi-fixed options
Processing Fee: Up to 2.5% of loan amount
Target Segment: Retail traders, manufacturers, service providers, self-employed professionals, and micro-enterprises
Why it's unique: Specially tailored for underserved small businesses in semi-urban and rural regions with simplified documentation and faster disbursals.
2. Home Loans (via Capri Global Housing Finance Ltd)
These loans aim to make home ownership affordable and accessible, especially for economically weaker sections and low-to-middle-income groups.
Loan Amount: ₹2 lakhs to ₹50 lakhs
Interest Rate: Starting from 7.99% p.a.
Tenure: Up to 20 years
Loan Types:
Home Purchase Loan
Home Construction Loan
Home Improvement/Renovation Loan
Home Extension Loan
Plot Purchase Loan
Balance Transfer with Top-Up Facility
PMAY Benefits: Eligible borrowers can get interest subsidies under Pradhan Mantri Awas Yojana (PMAY) up to ₹2.67 lakhs.
Why it's unique: Flexible underwriting for informal income segments and deep presence in Tier II and III cities.
3. Gold Loans
Quick, collateral-backed loans offered by pledging gold ornaments. Ideal for short-term liquidity without income proof.
Loan Amount: Based on gold weight and purity
Loan-to-Value (LTV): Up to 75% of gold value
Tenure: 6 to 12 months
Disbursal: Within 30–60 minutes
Repayment Options:
Bullet repayment (full payment at maturity)
Monthly interest payment with principal at the end
Security: Gold is stored in secure, insured vaults with 24x7 surveillance
Why it's unique: Minimal paperwork, doorstep service in select locations, and transparent interest structure.
4. Construction Finance
Offered to real estate developers and builders to fund residential and affordable housing projects.
Loan Purpose:
Project construction
Land acquisition (in select cases)
Working capital for real estate business
Loan Structure: Structured finance with milestone-based disbursements
Monitoring: Regular project progress and usage audits
Target Segment: Tier I, II, and III city developers
Why it's unique: Tailored funding with flexible drawdowns and strong legal/technical due diligence.
5. Indirect Retail Lending
Capri partners with OEMs, dealers, and distributors to finance end customers indirectly. These are small-ticket loans disbursed at point-of-sale (POS).
Loan Purpose:
Vehicle loans (mainly 2-wheelers)
Consumer durable finance
Small machinery or equipment financing
Channel: Dealer/distributor-led financing via Capri’s NBFC network
Repayment: EMIs through bank or cash collection modes
Why it's unique: Helps extend credit access to buyers who may not have direct access to formal financing.
4. Key Competitors of Capri Loans
Capri Loans operates in a competitive landscape with various firms vying for market share in the financial services sector. Here are some key competitors:
1. Bajaj Finance Limited
Overview: Bajaj Finance, part of the Bajaj Group, offers diverse financial services across India, including consumer finance, SME finance, commercial lending, and wealth management.
Services: The company provides personal loans, home loans, business loans, and asset management, among other financial services.
Market Position: Bajaj Finance is known for its extensive reach and innovative financial products, making it one of the leading non-banking financial companies in India.
2. Muthoot Finance
Overview: Muthoot Finance is a financial services company that specializes in gold loans and is part of the Muthoot Group.
Services: The company offers personal and business loans primarily backed by gold assets. Additional financial products include housing loans and micro-finance.
Market Position: Muthoot Finance is the largest gold financing company in India by loan portfolio, with a strong presence across the country.
3. Shriram Transport Finance Company Limited
Overview: Shriram Transport Finance focuses on financing commercial vehicles and is a flagship company of the Shriram Group.
Services: The company offers loans for new and pre-owned commercial vehicles, heavy-duty trucks, construction equipment, and related segments.
Market Position: It is regarded as a leader in commercial vehicle financing in India, catering to a significant part of the organized and unorganized sector.
4. LIC Housing Finance Limited
Overview: A subsidiary of LIC, LIC Housing Finance Limited provides housing loans and finance for affordable housing projects.
Services: It offers home loans, renovation loans, and loans for the purchase of commercial properties.
Market Position: As one of the leading housing finance companies in India, it holds a strong market presence backed by its parent company, LIC.
5. Aditya Birla Finance Limited
Overview: Part of the Aditya Birla Group, it offers diverse financial solutions across various segments targeting corporate clients and individuals.
Services: It provides loans including personal, business, and mortgage loans, along with investment and wealth management services.
Market Position: As a versatile financial services provider, it leverages the Aditya Birla Group's brand strength to maintain competitive positioning.
5. Corporate Social Responsibility (CSR)
Capri Loans, a prominent name in the financial services sector in India, is committed to sustainable development and making a positive social impact. The company has developed comprehensive Corporate Social Responsibility initiatives that focus on community development, financial literacy, environmental sustainability, and more. Below are some of the key CSR initiatives undertaken by Capri Loans.
6. Future Outlook and Strategic Plans
Capri Global Capital Limited (CGCL), operating as Capri Loans, is strategically positioned to drive inclusive financial growth across India. The company’s forward-looking initiatives are centered on expanding its reach, diversifying its product portfolio, and leveraging technology to enhance customer experience.
1. Retail-Focused Portfolio Diversification
CGCL is transitioning towards a predominantly retail-focused lending model. As of December 2023, the company's Assets Under Management (AUM) distribution includes:
- MSME Loans: 35.7%
- Housing Loans: 26.1%
- Gold Loans: 17.9%
- Construction Finance: 17.0%
- Indirect Lending: 3.3%
The company plans to cap its wholesale book at 25% of the overall AUM, emphasizing retail lending to ensure stability and growth .
2. Strategic Partnerships and Co-Lending Initiatives
To broaden its lending capabilities, CGCL has established co-lending partnerships with major banks, including State Bank of India, Union Bank of India, and Bank of Baroda. These collaborations enable the company to extend its reach and offer diversified financial products to a wider customer base.
3. Technological Advancements and Digital Transformation
Embracing the digital revolution, CGCL is investing in technology to streamline operations and enhance customer experience. Key initiatives include:
- Developing in-house digital platforms for loan origination and customer service.
- Implementing data analytics to assess creditworthiness, especially for customers lacking traditional financial documentation.
- Transitioning towards a paperless and computerized operational model to improve efficiency and scalability.
4. Expansion of Product Offerings
CGCL is diversifying its product suite to cater to various financial needs:
- Gold Loans: Launched in August 2022, the company expanded to 747 dedicated gold loan branches by December 2023.
- Car Loan Distribution: Through third-party partnerships, CGCL intermediated ₹7,073 crore worth of car loans in the first nine months of fiscal 2024.
- Insurance Distribution: The company has obtained licenses to distribute third-party insurance products, enhancing its service portfolio.
5. Commitment to Sustainable and Inclusive Growth
CGCL is dedicated to promoting financial inclusion and social responsibility:
- Empowering over 71,000 women through livelihood initiatives.
- Benefiting more than 17,000 children from underprivileged communities.
- Undertaking environmental initiatives, including the plantation of 980 trees.
7. Latest News & Updates about Capri Loans
Stay informed on the latest from Capri Loans, including new financial products, digital lending initiatives, and strategic growth plans. Discover how Capri Loans is enabling financial inclusion by offering accessible credit solutions to underserved segments, empowering small businesses and individuals across India.
8. Conclusion
Capri Loans’ strategic plans reflect a forward-thinking approach aimed at sustainable business growth. The company's commitment to digital transformation, product diversification, and geographic expansion forms the crux of its future outlook. By strengthening risk management and enhancing its brand image, Capri Loans is poised to solidify its market position in the competitive financial sector. Aspiring candidates should be aware of these strategies as they demonstrate the company’s dynamic and innovative direction.
Key Takeaways for Aspiring Capri Loans Candidates:
- Research the Company: Understand Capri Loans’ product offerings, strategic initiatives, and market position for a stronger interview.
- Prepare for the Interview Process: Familiarize yourself with interview questions specific to financial services and highlight relevant experiences.
- Demonstrate Cultural Fit: Showcase your alignment with Capri Loans’ commitment to innovation, customer service, and community involvement.
- Stay Informed: Keep up-to-date with trends in the financial sector and Capri Loans’ latest news to demonstrate your interest and knowledge.