CreditAccess Grameen Limited - Fourth Quarter FY25-26 Results

CreditAccess Grameen Limited (NSE: CREDITACC, BSE: 541770, 'CA Grameen'), India's leading rural-focused inclusive financing platform, today announced its audited financial performance for the fourth quarter and financial year ending 31 March 2026.

Business Highlights: Q4 FY26

- AUM grew 14.0% YoY from 25,948 crore to INR 29,590 crore
- Disbursements increased by 28.4% YoY from INR 6,472 crore to INR 8,313 crore
- Retail Finance portfolio share at 18.1% in Mar-26 Vs 5.9% in Mar-25
- Healthy new borrower addition of 3.32 lakh with 35% being New-to-Credit (NTC)
- Portfolio share of unique borrowers at 46% in Q4 FY26 Vs 34% in Q4 FY25
- PAR 0+ decreased from 4.4% in Q3 FY26 to 3.0% in Q4 FY26
- X-Bucket Collection Efficiency stood at 99.84% in March 26
- Branch network grew by 8.4% YoY from 2,063 to 2,236 branches
- Employee base grew by 4.6% YoY from 20,970 to 21,941 with annualised attrition rate of 29.4%

Financial Highlights: Q4 FY26

- Total income increased by 13.6% YoY to INR 1,598.6 crore
- Pre-provision operating profit (PPOP) increased 23.1% YoY to INR 780.3 crore
- Profit Before Tax (PBT) grew 771.3% YoY from INR 51.1 crore to INR 445.0 crore
- Profit After Tax (PAT) grew 619.4% YoY from INR 47.2 crore to INR 339.5 crore, resulting in ROA of 4.4% and ROE of 17.8%
- GNPA / NNPA measured at 60+ dpd (GL) stood 3.17% / 1.12%, with PAR 90+ of 2.3%
- Robust liquidity of INR 2,402.3 crore of cash, cash equivalents, and investments, 7.5% of the total assets
- Healthy capital position with a CRAR of 24.4%
- Credit Rating: AA-/Stable by CRISIL, ICRA & India Ratings

Financial Highlights: FY26

- Total income increased by 5.3% YoY to INR 6,062.5 crore
- PPOP grew 6.5% YoY to INR 2,808.6 crore
- PAT grew by 46.3% YoY to INR 777.6 crore translating to an ROA of 2.7% and ROE of 10.7%

Commenting on the business performance, Mr. Ganesh Narayanan, Managing Director and Chief Executive Officer of CreditAccess Grameen Ltd, remarked, "Q4 FY26 marked a clear inflection in our performance trajectory, with AUM growing 14.0% YoY in line with our annual growth guidance. Our growth was purposeful: anchored in first-time customers with guardrail-compliant borrowers, and the graduation of vintage CA Grameen customers into higher-value retail finance products. The share of retail finance has expanded meaningfully to 18.1% as of March 2026 end, up from 5.9% a year ago, a testament to the depth and loyalty within our 44 lakh customer base.

We are building a rural-focused inclusive financing platform that accompanies the customer across their financial lifecycle journey. Starting with group-based microfinance, we are extending into individual business loans, mortgage-backed lending, and two-wheeler financing, all powered by the trust our brand has earned on the ground over the years. With a sharpened product suite, disciplined credit culture, and a clear strategic roadmap, we enter FY27 with confidence. We are guiding the next financial year for AUM growth of 20.0-25.0%, NIM of 12.8-13.2%, cost-to-income of 33.0-35.0%, credit cost of 3.0-4.0%, ROA of 4.0-4.8%, and ROE of 16.0-20.0% reflecting the structural opportunities ahead.

We are pleased to announce 'Project Shakti', our transformation agenda to build leadership in the inclusive finance space over the coming decade through a customer-centric approach. Inspired by the strength, resilience, and aspiration of the communities we proudly serve, the initiative is designed to build a future-ready and more impactful institution. Our focus will be on deepening market reach, strengthening household-level relationships, increasing customer wallet share, and significantly enhancing our people, technology, and AI capabilities, thereby positioning us among the leading players in financial inclusion space over the coming years."

Shares of CREDITACCESS GRAMEEN LIMITED was last trading in BSE at Rs. 1496.25 as compared to the previous close of Rs. 1488.55. The total number of shares traded during the day was 19148 in over 1242 trades.

The stock hit an intraday high of Rs. 1522.70 and intraday low of 1482.45. The net turnover during the day was Rs. 28700508.00.

Source : Equity Bulls

Keywords

CREDITACCESSGRAMEEN INE741K01010 NBFC Q4FY26 Q4FY2026 FY26 FY2026 ResultUpdate