Streamlining Lending with LOS, Curbing NPA with AI

Capri Global Capital has achieved a healthy growth in SME business. Abhishek Sinha, Chief Business Officer, UR & Micro LAP, Capri Global Capital shares details, and the technologies enabling the growth:

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Ravi Lalwani: What has been the business growth in MSME lending of the company over the last 3 years?

Abhishek Sinha: Over the past year, Capri Global Capital Ltd (CGCL) has strengthened its MSME lending portfolio with a well-diversified presence across key regions. Our Assets Under Management (AUM) in the MSME segment have grown steadily – from ₹33 billion in FY22 to ₹43.6 billion in FY23, and further to ₹50.1 billion in FY24. Our MSME loans comprise approx 24% of AUM and we expect it to grow at 20-25% CAGR.

The average ticket size for disbursals stands at ₹2.2 million in Q3FY25, reflecting our commitment to cater to the evolving credit needs of small businesses. The number of live accounts is 30,000+ in Q3FY25, demonstrating consistent demand and a strong borrower base. Our LTV for MSME disbursals has remained healthy, averaging around 54.5% over the past 5 quarters, ensuring a prudent risk framework while enabling access to finance.

Geographically, our MSME portfolio is well-diversified, with a strong presence in key high-growth markets across North and West India. Our deep market penetration and balanced expansion approach ensures wider financial inclusion while maintaining portfolio stability. As we move forward, our focus remains on scaling our MSME portfolio through customized lending solutions, leveraging digital integration for seamless credit access, and reinforcing financial inclusion across underserved regions.

Please share the top 3 regions, top 3 products, and top 3 industry sectors.