Value
To enable Self-Pride and Self-Sufficiency in India's underserved through Home Ownership.
Farz Nibhaatey Hain
We are Capri Loans
Capri Global Capital Limited (Capri Loans) is a listed NBFC on BSE and NSE, part of the NIFTY Small Cap 250 Index, specializing in home loans across Northern and Western India. Through our subsidiary CGHFL, we provide affordable housing loans tailored to meet the needs of our customers. With a robust branch network, Capri Loans is committed to enhancing financial inclusion for underserved communities.
Mission
Our endeavour is to enable financial empowerment and self-sufficiency for the informal lower-income households through home ownership. We are committed towards fulfilling the nation's ‘Housing for all’ mission for a financially and socially inclusive future for its citizens.
Overview
Laying a strong foundation for a self-reliant India
Financing homes for India's underserved but creditworthy in a transparent and fair manner
THE GAP
96% of India's housing shortage belongs to those banks ignore
Economically weaker sections (EWS) and lower-income groups (LIG) in the informal sector drive nearly all of India's housing deficit — yet lack access to formal finance. Without a home, upward mobility stays out of reach.
OUR ANSWER
Creditworthiness isn't a pay stub. It's character and capability.
Our customers earn, spend, and save reliably — but can't prove it on paper. We use scorecards, surrogate income assessment, and field-based credit analysis to see what traditional lenders miss.
2,620
Families in homes we financed
66
Branches & growing
96%
Housing shortage from EWS & LIG
19.6M
Affordable homes India needs
“Our conviction comes from deep micro-enterprise lending experience — we know how informal-sector customers build wealth, one day at a time.”
HOW WE WORK
Built for the ground, not the boardroom
Local Insight First
We learn the culture, trade traditions, and economic rhythms of each region before we lend — giving us context that a credit score never could.
Relationship-Driven Branches
Our hub-and-spoke branch network builds personal relationships at the neighbourhood level — enabling faster approvals and disciplined, supported repayments.
Rigorous, Fair Risk Controls
Field-based credit assessment with stringent governance standards means we never compromise on responsible lending — for us or our customers.
Supporting Housing for All — one family at a time
Registered with the National Housing Bank and a wholly-owned subsidiary of Capri Global Capital Limited, we combine entrepreneurial energy with social commitment to make home ownership real for India's unserved majority.
OUR VALUE
The principles that shape everything we do
A commitment to our customers, partners, and communities—guided by principles that define who we are and how we operate every single day for our - Customer, Partners, Employees, Communities, and Stakeholders.
Customer-Centricity
Our customers are at the heart of everything we do. We listen, respond, and design our products and service around their real needs.
Integrity
We operate with unwavering honesty and transparency — in pricing, communication, and every interaction with those we serve.
Innovation
We embrace change and continuously seek better ways to serve — through technology, processes, and people.
Excellence
We hold ourselves to the highest standards in underwriting, governance, and customer experience.
Accountability
We own our commitments and follow through — to regulators, investors, and every family we finance.
Sustainability
We build for the long term, balancing growth with responsibility toward people, communities, and the environment.
Collaboration
Great things happen when we work together — across teams, partners, and the ecosystems we operate in.
Learning
We are lifelong learners — curious, humble, and committed to improving how we assess risk and deliver impact.