CP CAPITAL Limited reports Rs 162.1 crore cash on 30 September 2026

CP CAPITAL Limited reported Rs 162.1 crore of standalone cash and bank balances on 30 September 2026, while its gross loan book was Rs 266.41 crore, net worth was Rs 582.2 crore and debt-equity was 0.22x. The presentation provides no earlier cash, loan or borrowing balance to establish a six-month movement.

What does CP CAPITAL's September 2026 balance-sheet snapshot show?

CP CAPITAL reported Rs 162.1 crore of cash and bank balances, Rs 266.41 crore of gross loans and Rs 582.2 crore of net worth as of 30 September 2026. These standalone figures appear in its H1 FY27 key-performance-indicator summary, which also gives a debt-equity ratio of 0.22x on that date.

The presentation does not provide a cash balance, gross loan book or borrowing figure for 31 March 2026 or 30 September 2025. As a result, it does not support a reported six-month rise from Rs 2.6 crore in cash, a 37% decline in loans, or a period-on-period increase in borrowings.

Management describes the 30 September 2026 position as having low debt, healthy liquidity and steady returns. Return on assets was 4.95% and return on equity was 6.02% for H1 FY27 only, with neither measure annualised; gross non-performing assets were 13.47% and net non-performing assets were 10.81%.

How is CP CAPITAL's Rs 266.41 crore loan book allocated?

CP CAPITAL's Rs 266.41 crore gross loan book was led by loan against property at Rs 191.4 crore, representing 71.9% as of 30 September 2026. Unsecured business loans were the second-largest product at Rs 57.6 crore, or 21.6% of the portfolio.

The remaining Rs 17.4 crore consisted of Rs 13.7 crore of trade finance and Rs 3.7 crore of digital lending. The portfolio therefore had a 93.5% combined share in loan against property and unsecured business loans, compared with 6.5% across the two smaller product categories.

The number of loans differs substantially from the value mix. Digital lending accounted for 1,537 of the total 1,700 loans, but only 1.4% of the book by value, while loan against property accounted for 117 loans and 71.9% of value. Trade finance comprised four loans worth Rs 13.7 crore.

What products make up CP CAPITAL's lending portfolio?

CP CAPITAL's largest product is loan against property, which provides term loans against residential or commercial property to business owners and self-employed borrowers. This secured product represented Rs 191.4 crore of the Rs 266.4 crore portfolio at 30 September 2026.

The Rs 57.6 crore unsecured business-loan portfolio provides working-capital lending to micro, small and medium enterprises, or MSMEs. Trade finance, worth Rs 13.7 crore, serves participants in agricultural mandis, or wholesale markets, and is mostly repaid through bullet payments.

Digital lending was introduced in Q2 FY27 as short-tenure personal credit for salaried Middle India borrowers. At 30 September 2026, this product had Rs 3.7 crore outstanding across 1,537 loans, producing a much smaller average exposure per loan than the Rs 191.4 crore loan-against-property book across 117 loans.

What did CP CAPITAL report for H1 FY27 earnings?

CP CAPITAL reported Rs 54.35 crore of revenue from operations and Rs 34.04 crore of profit after tax, or PAT, for H1 FY27 ended 30 September 2026. Revenue from operations increased 78.7% year on year from Rs 30.41 crore in H1 FY26, while PAT rose 111.9% from Rs 16.07 crore.

Total revenue was Rs 54.68 crore in H1 FY27, compared with Rs 30.74 crore in H1 FY26, an increase of 77.9%. Earnings before interest, tax, depreciation and amortisation, or EBITDA, increased 96.4% to Rs 51.12 crore from Rs 26.03 crore over the same periods.

The H1 FY27 operating EBITDA margin was 93.5%, up 8.9 percentage points year on year, while PAT margin was 62.3%, up 10.0 percentage points. In Q2 FY27 alone, CP CAPITAL reported Rs 35.29 crore of total revenue and Rs 22.56 crore of PAT, with Q2 PAT up 175.2% year on year.

The earnings figures establish revenue and profit growth between H1 FY26 and H1 FY27, but they do not explain the source or use of the Rs 162.1 crore cash balance. The presentation does not include a cash-flow statement or prior-period balance-sheet data alongside its 30 September 2026 indicators.

How did CP CAPITAL's digital lending launch perform?

CP CAPITAL launched digital lending on 24 September 2026 and disbursed Rs 3.75 crore through 1,570 loans during the first seven days to 30 September 2026. The average loan was Rs 23,884 and the average tenure was 28.9 days.

The launch-week disclosure differs slightly from the portfolio table, which records Rs 3.7 crore of digital loans and 1,537 loans as of 30 September 2026. The presentation does not explain the difference between the 1,570 loans disbursed in the first seven days and the 1,537 loans included in the quarter-end product portfolio.

CP CAPITAL said the initial loans reached 330 cities, 1,059 pincodes and 23 states and union territories. It reported that 64% of loans were made to borrowers earning Rs 3 lakh to Rs 11 lakh a year, while about 50% came from Tier 2 and Tier 3 cities.

The company said it keeps 100% of digital loans on its own book and does not use co-lending. Its sourcing model includes its website, lending-service-provider partners and other digital or affiliate partners, while underwriting uses borrower data held by CP CAPITAL and offers are sized to borrower need and income.

Conclusion

CP CAPITAL's 30 September 2026 disclosures show Rs 162.1 crore of standalone cash and bank balances alongside a Rs 266.41 crore gross loan book and Rs 582.2 crore of net worth. Loan against property dominated the portfolio by value at 71.9%, while the newly introduced digital product dominated loan count with 1,537 of 1,700 loans despite a 1.4% value share.

The next disclosed development to watch is the expansion of digital lending after its 24 September 2026 launch. The first seven days produced Rs 3.75 crore of disbursements across 1,570 loans, but management did not disclose future disbursement targets, a planned product-mix target or subsequent balance-sheet comparisons for cash, borrowings and loans.