{"id":253742,"date":"2026-09-17T15:43:43","date_gmt":"2026-09-17T10:13:43","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=253742"},"modified":"2026-09-17T15:43:43","modified_gmt":"2026-09-17T10:13:43","slug":"gold-loan-nbfc-stock-rises-38-percent-in-1-year","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/","title":{"rendered":"This Gold Loan NBFC Stock Rises 38% in 1 Year: Gold Book Doubles, Margins Widen"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>Capri Global CMP Rs 262.35 (17 Sep 2026), up 38% in 1 year. 52W range Rs 151.10 to Rs 287.45. Q1 FY27 AUM Rs 40,112 Cr, PAT Rs 353 Cr.<\/em><\/p>\n<div style=\"background:#F0F9FF;border-left:4px solid #2E7D32;border-radius:6px;padding:14px 18px;margin:18px 0;\">\n<p style=\"margin:0;color:#1F4E79;font-size:14px;\"><strong>Quick Answer<\/strong><\/p>\n<p style=\"margin:8px 0 0;\">Capri Global Capital is the gold loan NBFC stock that rose approximately 38% between 17 September 2025 and 17 September 2026, from a close of Rs 189.48 to Rs 262.35. The rerating came from a gold book up 111% year on year to Rs 19,179 crore, net interest margin widening to 9.7% and FY26 profit nearly doubling to Rs 949 crore. The offsets are gold concentration, borrowings at about 3.35 times equity and 6% to 7% single-session swings.<\/p>\n<\/div>\n<p>This gold loan NBFC stock has risen approximately 38% in one year, turning Rs 1 lakh into roughly Rs 1.38 lakh between 17 September 2025 and 17 September 2026. This gold loan NBFC stock closed at Rs 189.48 a year ago and traded at Rs 262.35 on 17 September 2026, up 2.2% on a close of Rs 256.65.<\/p>\n<p>The company is <strong><a href='https:\/\/univest.in\/stocks\/cgcl\/capri-global-capital-ltd-share-price-today'>Capri Global Capital Ltd<\/a><\/strong> (NSE: CGCL), a diversified lender rebuilding itself around gold. The Capri Global share price fell to Rs 151.10 on 4 March 2026, then climbed about 74% to a 52-week high of Rs 287.45 on 7 September 2026.<\/p>\n<p style=\"margin-top:24px;\"><strong><a href='https:\/\/univest.in\/user\/log-in'>Click Here &#8211; Get Free Investment Predictions<\/a><\/strong><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#How_Has_This_Gold_Loan_NBFC_Stock_Performed_Across_Time_Frames\" title=\"How Has This Gold Loan NBFC Stock Performed Across Time Frames?\">How Has This Gold Loan NBFC Stock Performed Across Time Frames?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#Why_Did_This_Gold_Loan_NBFC_Stock_Rise_38_in_1_Year\" title=\"Why Did This Gold Loan NBFC Stock Rise 38% in 1 Year?\">Why Did This Gold Loan NBFC Stock Rise 38% in 1 Year?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#1_Q2_and_Q3_FY26_Profit_Almost_Doubles_Twice\" title=\"1. Q2 and Q3 FY26: Profit Almost Doubles Twice\">1. Q2 and Q3 FY26: Profit Almost Doubles Twice<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#2_RBI_Gold_Lending_Rules_Effective_1_April_2026\" title=\"2. RBI Gold Lending Rules Effective 1 April 2026\">2. RBI Gold Lending Rules Effective 1 April 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#3_FY26_Results_on_30_April_2026_Profit_Rs_949_Crore\" title=\"3. FY26 Results on 30 April 2026: Profit Rs 949 Crore\">3. FY26 Results on 30 April 2026: Profit Rs 949 Crore<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#4_Q1_FY27_on_28_July_2026_Gold_Book_Doubles_Margins_Widen\" title=\"4. Q1 FY27 on 28 July 2026: Gold Book Doubles, Margins Widen\">4. Q1 FY27 on 28 July 2026: Gold Book Doubles, Margins Widen<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#Inside_the_Books_Financials_Behind_the_Gold_Loan_NBFC_Stock\" title=\"Inside the Books: Financials Behind the Gold Loan NBFC Stock\">Inside the Books: Financials Behind the Gold Loan NBFC Stock<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#Where_the_Loan_Book_Sits\" title=\"Where the Loan Book Sits\">Where the Loan Book Sits<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#What_Does_This_Gold_Loan_NBFC_Stocks_Asset_Quality_Look_Like\" title=\"What Does This Gold Loan NBFC Stock&#8217;s Asset Quality Look Like?\">What Does This Gold Loan NBFC Stock&#8217;s Asset Quality Look Like?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#Who_Owns_This_Gold_Loan_NBFC_Stock\" title=\"Who Owns This Gold Loan NBFC Stock\">Who Owns This Gold Loan NBFC Stock<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#Key_Risks_Before_Buying_This_Gold_Loan_NBFC_Stock\" title=\"Key Risks Before Buying This Gold Loan NBFC Stock\">Key Risks Before Buying This Gold Loan NBFC Stock<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#Capri_Global_Share_Analyst_View\" title=\"Capri Global Share: Analyst View\">Capri Global Share: Analyst View<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#Capri_Global_Share_Price_Target\" title=\"Capri Global Share Price Target\">Capri Global Share Price Target<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#Other_Stocks_to_Track_From_the_Same_Return_Screen\" title=\"Other Stocks to Track From the Same Return Screen\">Other Stocks to Track From the Same Return Screen<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#Which_gold_loan_NBFC_stock_rose_38_in_1_year\" title=\"Which gold loan NBFC stock rose 38% in 1 year?\">Which gold loan NBFC stock rose 38% in 1 year?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#What_is_the_Capri_Global_share_price_today\" title=\"What is the Capri Global share price today?\">What is the Capri Global share price today?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#How_big_is_the_Capri_Global_gold_loan_book\" title=\"How big is the Capri Global gold loan book?\">How big is the Capri Global gold loan book?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#What_were_Capri_Global_Q1_FY27_results\" title=\"What were Capri Global Q1 FY27 results?\">What were Capri Global Q1 FY27 results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#Is_there_a_Capri_Global_share_price_target_from_brokerages\" title=\"Is there a Capri Global share price target from brokerages?\">Is there a Capri Global share price target from brokerages?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#What_is_the_cost_of_funds_and_asset_quality_here\" title=\"What is the cost of funds and asset quality here?\">What is the cost of funds and asset quality here?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#Did_Capri_Global_announce_a_bonus_or_split_in_the_last_year\" title=\"Did Capri Global announce a bonus or split in the last year?\">Did Capri Global announce a bonus or split in the last year?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/univest.in\/blogs-2\/gold-loan-nbfc-stock-rises-38-percent-in-1-year\/#What_are_the_main_risks_in_this_gold_loan_NBFC_stock\" title=\"What are the main risks in this gold loan NBFC stock?\">What are the main risks in this gold loan NBFC stock?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_Has_This_Gold_Loan_NBFC_Stock_Performed_Across_Time_Frames\"><\/span><strong>How Has This Gold Loan NBFC Stock Performed Across Time Frames?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>One year gives approximately 38%, six months 55% and three years only 35%. The rerating in this gold loan NBFC stock is recent, not steady compounding. Figures are close-to-close NSE price changes.<\/p>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>From (Close)<\/th>\n<th>To 17 Sep 2026<\/th>\n<th>Price Return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1 Month (17 Aug 2026)<\/td>\n<td>Rs 226.24<\/td>\n<td>Rs 262.35<\/td>\n<td>Approximately 16%<\/td>\n<\/tr>\n<tr>\n<td>6 Months (17 Mar 2026)<\/td>\n<td>Rs 169.71<\/td>\n<td>Rs 262.35<\/td>\n<td>Approximately 55%<\/td>\n<\/tr>\n<tr>\n<td>1 Year (17 Sep 2025)<\/td>\n<td>Rs 189.48<\/td>\n<td>Rs 262.35<\/td>\n<td>Approximately 38%<\/td>\n<\/tr>\n<tr>\n<td>3 Years (18 Sep 2023)<\/td>\n<td>Rs 194.74<\/td>\n<td>Rs 262.35<\/td>\n<td>Approximately 35%<\/td>\n<\/tr>\n<tr>\n<td>5 Years (17 Sep 2021)<\/td>\n<td>Rs 118.80<\/td>\n<td>Rs 262.35<\/td>\n<td>Approximately 121%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Three years of price work produced roughly the same gain as the last six months alone. This gold loan NBFC stock was among the stronger names on a screen of NSE small-cap stocks ranked by 1-year return, dated 17 September 2026. The 1:1 bonus and face value split both went ex on 5 March 2024, outside this window, so the 38% is genuine price appreciation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Did_This_Gold_Loan_NBFC_Stock_Rise_38_in_1_Year\"><\/span><strong>Why Did This Gold Loan NBFC Stock Rise 38% in 1 Year?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Four dated events drove this gold loan NBFC stock: two quarters of profit close to doubling, an RBI rule change effective 1 April 2026, an FY26 result past Rs 36,600 crore of assets, and a June quarter beat.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Q2_and_Q3_FY26_Profit_Almost_Doubles_Twice\"><\/span><strong>1. Q2 and Q3 FY26: Profit Almost Doubles Twice<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>On 30 October 2025 came September-quarter profit of Rs 236 crore, up 143%, on AUM of Rs 27,040 crore and gold loans of Rs 10,406 crore. The December 2025 quarter, reported in late January 2026, added profit of Rs 255 crore, up 99%, and 107 new branches. The Capri Global share price still slid into March, which is why entry timing matters in a gold loan NBFC stock.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_RBI_Gold_Lending_Rules_Effective_1_April_2026\"><\/span><strong>2. RBI Gold Lending Rules Effective 1 April 2026<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The Reserve Bank&#8217;s gold and silver lending directions took effect on 1 April 2026, raising the loan-to-value ceiling to 85% for loans up to Rs 2.5 lakh, 80% up to Rs 5 lakh and 75% above, so more money moves per gram pledged. They also standardised valuation and capped bullet repayment at 12 months, favouring a systems-driven gold loan NBFC stock over informal lenders.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_FY26_Results_on_30_April_2026_Profit_Rs_949_Crore\"><\/span><strong>3. FY26 Results on 30 April 2026: Profit Rs 949 Crore<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>FY26 net profit was Rs 949.15 crore, up 98%, on revenue of Rs 4,742.01 crore. AUM closed at Rs 36,623 crore, up 60.2%, with gold loans at Rs 16,965 crore, gross stage 3 at 0.9% and capital adequacy at 25.8%. From 4 May 2026 the gold loan NBFC stock began its sustained climb.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Q1_FY27_on_28_July_2026_Gold_Book_Doubles_Margins_Widen\"><\/span><strong>4. Q1 FY27 on 28 July 2026: Gold Book Doubles, Margins Widen<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>June-quarter profit was Rs 353.38 crore, up 102% from Rs 174.90 crore, on total income of Rs 1,581.21 crore. AUM reached Rs 40,112 crore, up 62%. Net interest margin at this gold loan NBFC stock widened to 9.7% from 8.9% and return on average equity hit 19.1% against 13.0%.<\/p>\n<p>Yield on advances improved to 17.0% from 16.5% while cost of borrowings fell to 9.1% from 9.7%, widening the spread to 7.8%. The gold loan NBFC stock still fell about 6.6% that session on profit taking, then jumped roughly 7% on 26 August 2026 on volume near 3.5 times its weekly average.<\/p>\n<p style=\"margin-top:24px;\"><strong><a href='https:\/\/univest.in\/screeners'>Check the Univest Screener for Live Fundamentals of High-Return Stocks<\/a><\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Inside_the_Books_Financials_Behind_the_Gold_Loan_NBFC_Stock\"><\/span><strong>Inside the Books: Financials Behind the Gold Loan NBFC Stock<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The quarterly progression is unusually clean for a gold loan NBFC stock: revenue and net profit have risen in each of the last five quarters, with net margin moving from 17.92% to 22.42%.<\/p>\n<table>\n<thead>\n<tr>\n<th>Quarter<\/th>\n<th>Revenue (Rs Cr)<\/th>\n<th>Net Profit (Rs Cr)<\/th>\n<th>Net Margin<\/th>\n<th>Diluted EPS (Rs)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Jun 2025 (Q1 FY26)<\/td>\n<td>1,005.02<\/td>\n<td>174.90<\/td>\n<td>17.92%<\/td>\n<td>2.04<\/td>\n<\/tr>\n<tr>\n<td>Sep 2025 (Q2 FY26)<\/td>\n<td>1,123.90<\/td>\n<td>236.00<\/td>\n<td>21.74%<\/td>\n<td>2.44<\/td>\n<\/tr>\n<tr>\n<td>Dec 2025 (Q3 FY26)<\/td>\n<td>1,225.41<\/td>\n<td>255.44<\/td>\n<td>20.88%<\/td>\n<td>2.65<\/td>\n<\/tr>\n<tr>\n<td>Mar 2026 (Q4 FY26)<\/td>\n<td>1,387.67<\/td>\n<td>282.82<\/td>\n<td>20.42%<\/td>\n<td>2.93<\/td>\n<\/tr>\n<tr>\n<td>Jun 2026 (Q1 FY27)<\/td>\n<td>1,581.21<\/td>\n<td>353.38<\/td>\n<td>22.42%<\/td>\n<td>3.66<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>FY26 operating margin improved to 65.31% from 61.79%. Total assets grew to Rs 32,676 crore from Rs 20,833 crore and equity to Rs 7,203 crore from Rs 4,304 crore, helped by a Rs 2,000 crore qualified institutional placement in June 2025, which also explains most of the promoter dilution of recent years.<\/p>\n<p>Trailing revenue is approximately Rs 5,306 crore and net profit Rs 1,128 crore, with EPS of Rs 11.72 and book value Rs 74.87, putting this gold loan NBFC stock near 21.9 times earnings against an industry figure around 18.7.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Where_the_Loan_Book_Sits\"><\/span><strong>Where the Loan Book Sits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Gold is now the largest exposure in this gold loan NBFC stock. Of Rs 40,112 crore of AUM in June 2026, gold loans were Rs 19,179 crore or 47.8%, up 111% across more than 10.01 lakh live accounts against 6.58 lakh. Gold yields ran near 18.5%, with management guiding to another 50 to 75 basis points from a smaller ticket mix.<\/p>\n<p>Housing finance was Rs 7,815 crore, up 42%, MSME Rs 6,779 crore, up 24% and deliberately slowed so capital could go into gold, and construction finance Rs 6,332 crore. Co-lending is the other pillar of this gold loan NBFC stock at Rs 8,126 crore, 20.3% of the book, though up only 4% sequentially as partner banks migrated to the CLM-1 structure.<\/p>\n<p>Management raised the FY27 AUM target for this gold loan NBFC stock to Rs 50,000 crore and set FY28 at Rs 65,000 crore.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Does_This_Gold_Loan_NBFC_Stocks_Asset_Quality_Look_Like\"><\/span><strong>What Does This Gold Loan NBFC Stock&#8217;s Asset Quality Look Like?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Good at the headline, mixed underneath. Gross stage 3 was 1.1% and net stage 3 0.6% in the June 2026 quarter, with annualised credit cost of 0.8%, comfortable for a gold loan NBFC stock growing AUM at 62%.<\/p>\n<p>The segment split holds the nuance. Gold loan gross NPA was 0.3%, down from 0.7%, and housing 1.2%. MSME was 3.1%, better than 4.3% but still the weakest slice of this gold loan NBFC stock. Construction finance rose to 0.7% on one account slippage carrying roughly 70% provisioning, and group provision coverage was 41.2%.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Who_Owns_This_Gold_Loan_NBFC_Stock\"><\/span><strong>Who Owns This Gold Loan NBFC Stock<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Promoter holding in this gold loan NBFC stock has been steady at 59.92% for four quarters. The live change is the swap between foreign and domestic institutions, with FIIs nearly doubling since December 2025 while DIIs trimmed. Life Insurance Corporation of India alone held 7.98% in June 2026.<\/p>\n<table>\n<thead>\n<tr>\n<th>Shareholder<\/th>\n<th>Jun 2025<\/th>\n<th>Sep 2025<\/th>\n<th>Dec 2025<\/th>\n<th>Mar 2026<\/th>\n<th>Jun 2026<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Promoters<\/td>\n<td>59.95%<\/td>\n<td>59.95%<\/td>\n<td>59.92%<\/td>\n<td>59.92%<\/td>\n<td>59.92%<\/td>\n<\/tr>\n<tr>\n<td>FIIs<\/td>\n<td>4.72%<\/td>\n<td>4.83%<\/td>\n<td>4.50%<\/td>\n<td>5.62%<\/td>\n<td>8.21%<\/td>\n<\/tr>\n<tr>\n<td>DIIs<\/td>\n<td>20.53%<\/td>\n<td>20.29%<\/td>\n<td>20.11%<\/td>\n<td>20.11%<\/td>\n<td>18.42%<\/td>\n<\/tr>\n<tr>\n<td>Public and Others<\/td>\n<td>14.81%<\/td>\n<td>14.93%<\/td>\n<td>15.47%<\/td>\n<td>14.35%<\/td>\n<td>13.46%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Key_Risks_Before_Buying_This_Gold_Loan_NBFC_Stock\"><\/span><strong>Key Risks Before Buying This Gold Loan NBFC Stock<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Gold concentration:<\/strong> Nearly half the loan book is secured by gold. A sharp fall in gold prices compresses collateral cover, triggers top-up calls and slows disbursement at the same time. The 111% growth rate was flattered by a rising gold price, and that works in reverse for any gold loan NBFC stock.<\/p>\n<p><strong>Funding cost and gearing:<\/strong> Debt to equity was 3.45 at the end of FY26 and around 3.35 now, with borrowings costing 9.1%. Management said on the June call there is no meaningful further reduction expected in FY27, so margin gains in this gold loan NBFC stock must come from asset yields.<\/p>\n<p><strong>Execution on 400 branches:<\/strong> Adding roughly 400 branches in a year on a base of 1,433 is aggressive, and each carries cost before income. The cost-to-income ratio of 44.2% could drift up if disbursements disappoint.<\/p>\n<p><strong>Regulation and co-lending:<\/strong> Co-lending is 20.3% of AUM and that growth already stalled to 4% sequentially during the CLM-1 migration. Gold lending rules have changed twice recently, and further tightening of LTV or valuation norms would hit this gold loan NBFC stock directly.<\/p>\n<p><strong>Liquidity and volatility:<\/strong> Market capitalisation is around Rs 24,718 crore with no listed futures and options contracts, so positioning in this gold loan NBFC stock clears through the cash market. The share fell about 6.6% on 28 July 2026 and rose about 7% on 26 August 2026, and the 52-week range is a spread of roughly 90%.<\/p>\n<p><strong>Funding dependence:<\/strong> Operating cash flow was negative Rs 8,728 crore in FY26, normal for a lender funding growth but a reminder that wholesale access matters. Disclosures reviewed show no promoter pledge, no surveillance action and no auditor qualification on this gold loan NBFC stock.<\/p>\n<p style=\"margin-top:24px;\"><strong>Download the <a href=\"https:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track the Capri Global share price live<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Capri_Global_Share_Analyst_View\"><\/span><strong>Capri Global Share: Analyst View<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Analyst opinion has struggled to keep pace with the price. A consensus brokerage target compiled on 22 March 2026 stood at approximately Rs 219 against a market price near Rs 170, and the Capri Global share has since overtaken it. What analysts track now is narrower: gold yields, MSME gross NPA falling from 3.1%, and the FY27 target being met without credit cost rising above 0.8%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Capri_Global_Share_Price_Target\"><\/span><strong>Capri Global Share Price Target<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>No verified brokerage Capri Global share price target published after the June 2026 quarter was available at the time of writing, so there is no fresh consensus number to quote for this gold loan NBFC stock. Levels and earnings have to do the work instead.<\/p>\n<p>The practical reference points are the 52-week high of Rs 287.45, about 10% above the Capri Global share price of Rs 262.35, and the low of Rs 151.10. Trailing EPS of Rs 11.72 at 21.9 times is a mild premium to the sector, and any Capri Global share price target assuming that multiple holds while profit compounds at guided rates is a bet on execution.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Other_Stocks_to_Track_From_the_Same_Return_Screen\"><\/span><strong>Other Stocks to Track From the Same Return Screen<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Beyond this gold loan NBFC stock, a screen of NSE small-cap stocks ranked by 1-year return also includes related names such as <a href=\"https:\/\/univest.in\/stocks\/unimech\/unimech-aerospace-n-mfg-l-share-price-today\">Unimech Aerospace<\/a> with a 1-year return of 42.09%, <a href=\"https:\/\/univest.in\/stocks\/balamines\/balaji-amines-ltd-share-price-today\">Balaji Amines<\/a> at 41.75% and <a href=\"https:\/\/univest.in\/stocks\/neulandlab\/neuland-laboratories-ltd-share-price-today\">Neuland Labs<\/a> at 41.50%.<\/p>\n<p>Among the names covered from that screen, <a href=\"https:\/\/univest.in\/stocks\/mtartech\/mtar-technologies-ltd-share-price-today\">MTAR Technologies<\/a> returned 396.53% over one year. Readers can compare this gold loan NBFC stock with the <a href=\"https:\/\/univest.in\/indices\/nifty-50\/nifty-50-share-price-today\">Nifty 50<\/a> benchmark and track each of these names on Univest before making any decision.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This gold loan NBFC stock earned its 38% year the hard way. The Capri Global share price fell for six months while distribution absorbed cash, and rerated only once FY26 profit of Rs 949 crore and a 19.1% return on average equity showed the operating gearing.<\/p>\n<p>From here the maths is less forgiving. At roughly 21.9 times earnings and 3.43 times book, with half the book tied to gold prices, this gold loan NBFC stock needs the Rs 50,000 crore FY27 target and stable credit cost to justify the rerating. New buyers may prefer staggered entries and a stop loss.<\/p>\n<div style=\"background:#CC0000;border-radius:8px;padding:16px 20px;margin:24px 0;\">\n<p style=\"color:#FFFFFF;font-size:13px;line-height:1.7;margin:0;\"><strong style=\"color:#FFFFFF;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information and may or may not be accurate. Please verify all data independently before making any investment decision. Past returns do not guarantee future returns. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_gold_loan_NBFC_stock_rose_38_in_1_year\"><\/span><strong>Which gold loan NBFC stock rose 38% in 1 year?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Capri Global Capital Ltd (NSE: CGCL) is the gold loan NBFC stock that gained approximately 38% between 17 September 2025 and 17 September 2026, from Rs 189.48 to Rs 262.35. It is a diversified lender across gold, MSME, housing and construction finance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_Capri_Global_share_price_today\"><\/span><strong>What is the Capri Global share price today?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The Capri Global share price was Rs 262.35 on 17 September 2026, up about 2.2% from Rs 256.65. The 52-week high for this gold loan NBFC stock is Rs 287.45, set on 7 September 2026, and the low Rs 151.10.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_big_is_the_Capri_Global_gold_loan_book\"><\/span><strong>How big is the Capri Global gold loan book?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Gold loans were Rs 19,179 crore in June 2026, up 111% year on year and 47.8% of AUM of Rs 40,112 crore. There were more than 10.01 lakh live gold loan accounts against 6.58 lakh a year earlier, with yields near 18.5%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_were_Capri_Global_Q1_FY27_results\"><\/span><strong>What were Capri Global Q1 FY27 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Consolidated net profit was Rs 353.38 crore in the June 2026 quarter, up 102% from Rs 174.90 crore, on total income of Rs 1,581.21 crore. Net interest margin widened to 9.7% and return on average equity reached 19.1% in this gold loan NBFC stock.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_there_a_Capri_Global_share_price_target_from_brokerages\"><\/span><strong>Is there a Capri Global share price target from brokerages?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> No verified target published after the June 2026 quarter was available. The latest verified figure is a consensus Capri Global share price target of approximately Rs 219 from 22 March 2026, a level the share has already crossed.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_cost_of_funds_and_asset_quality_here\"><\/span><strong>What is the cost of funds and asset quality here?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Cost of borrowings was 9.1% in the June 2026 quarter, down from 9.7%, while gross stage 3 was 1.1% and net stage 3 0.6%. Gold loan gross NPA was 0.3%, housing 1.2%, construction finance 0.7% and MSME the weakest at 3.1%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Did_Capri_Global_announce_a_bonus_or_split_in_the_last_year\"><\/span><strong>Did Capri Global announce a bonus or split in the last year?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> No. The 1:1 bonus and the face value split from Rs 2 to Re 1 both went ex on 5 March 2024, outside this period. Nothing similar happened between September 2025 and September 2026, so the 38% return in this gold loan NBFC stock is pure price appreciation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_main_risks_in_this_gold_loan_NBFC_stock\"><\/span><strong>What are the main risks in this gold loan NBFC stock?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The biggest risks in this gold loan NBFC stock are gold price concentration at 47.8% of AUM, debt near 3.35 times equity, execution on 400 planned branches and reliance on co-lending. Liquidity is thinner than in large caps and single-session moves of 6% to 7% have occurred, so consulting a SEBI-registered advisor helps.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Which gold loan NBFC stock rose 38% in 1 year?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Capri Global Capital Ltd (NSE: CGCL) is the gold loan NBFC stock that gained approximately 38% between 17 September 2025 and 17 September 2026, from Rs 189.48 to Rs 262.35. It is a diversified lender across gold, MSME, housing and construction finance.\"}},{\"@type\":\"Question\",\"name\":\"What is the Capri Global share price today?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The Capri Global share price was Rs 262.35 on 17 September 2026, up about 2.2% from Rs 256.65. The 52-week high for this gold loan NBFC stock is Rs 287.45, set on 7 September 2026, and the low Rs 151.10.\"}},{\"@type\":\"Question\",\"name\":\"How big is the Capri Global gold loan book?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Gold loans were Rs 19,179 crore in June 2026, up 111% year on year and 47.8% of AUM of Rs 40,112 crore. There were more than 10.01 lakh live gold loan accounts against 6.58 lakh a year earlier, with yields near 18.5%.\"}},{\"@type\":\"Question\",\"name\":\"What were Capri Global Q1 FY27 results?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Consolidated net profit was Rs 353.38 crore in the June 2026 quarter, up 102% from Rs 174.90 crore, on total income of Rs 1,581.21 crore. Net interest margin widened to 9.7% and return on average equity reached 19.1% in this gold loan NBFC stock.\"}},{\"@type\":\"Question\",\"name\":\"Is there a Capri Global share price target from brokerages?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No verified target published after the June 2026 quarter was available. The latest verified figure is a consensus Capri Global share price target of approximately Rs 219 from 22 March 2026, a level the share has already crossed.\"}},{\"@type\":\"Question\",\"name\":\"What is the cost of funds and asset quality here?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Cost of borrowings was 9.1% in the June 2026 quarter, down from 9.7%, while gross stage 3 was 1.1% and net stage 3 0.6%. Gold loan gross NPA was 0.3%, housing 1.2%, construction finance 0.7% and MSME the weakest at 3.1%.\"}},{\"@type\":\"Question\",\"name\":\"Did Capri Global announce a bonus or split in the last year?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. The 1:1 bonus and the face value split from Rs 2 to Re 1 both went ex on 5 March 2024, outside this period. Nothing similar happened between September 2025 and September 2026, so the 38% return in this gold loan NBFC stock is pure price appreciation.\"}},{\"@type\":\"Question\",\"name\":\"What are the main risks in this gold loan NBFC stock?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The biggest risks in this gold loan NBFC stock are gold price concentration at 47.8% of AUM, debt near 3.35 times equity, execution on 400 planned branches and reliance on co-lending. Liquidity is thinner than in large caps and single-session moves of 6% to 7% have occurred, so consulting a SEBI-registered advisor helps.\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>One diversified lender turned a weak first half into a sharp second-half run, ending the year up about 38%. Here is what changed in its loan book and what could go wrong from here.<\/p>\n","protected":false},"author":29,"featured_media":253739,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[5744,5745,5746,5749,5748,5747,5445,5534],"class_list":["post-253742","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-capri-global","tag-capri-global-share-price","tag-capri-global-share-price-target","tag-cost-of-borrowings","tag-gold-loan-aum","tag-gold-loan-nbfc-stock","tag-high-return-stocks","tag-net-interest-margin"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["253739"],"rank_math_title":["Gold Loan NBFC Stock Up 38% in 1 Year: What Drove It"],"rank_math_description":["This gold loan NBFC stock gained approximately 38% in one year to Rs 262.35. See the AUM ramp, margin gains, asset quality, analyst view and the key risks now."],"rank_math_focus_keyword":["gold loan NBFC stock"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/gold-loan-nbfc-stock-rises-38-percent-in-1-year.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/253742","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=253742"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/253742\/revisions"}],"predecessor-version":[{"id":253744,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/253742\/revisions\/253744"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/253739"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=253742"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=253742"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=253742"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}