CreditAccess Grameen Q2 FY27 Investor Presentation Highlights
CreditAccess Grameen reported Q2 FY27 results with AUM at ₹30,946 crore (up 19.5% YoY) and PAT at ₹502 crore (up 298.7% YoY). The company revised its FY27 guidance, projecting AUM growth of 20-25% and ROE of 21-24%. Asset quality improved with GNPA at 1.79% and Collection Efficiency at 97.9%.
The announcement provides a comprehensive update on the company's financial performance, strategic initiatives, and future guidance. The significant growth in profits, improved asset quality, and upward revision of guidance are material information for investors, likely to impact the company's stock performance.
The company's Q2 FY27 results show strong year-over-year growth in key financial metrics like AUM and PAT, along with improved asset quality and revised upward guidance for FY27. This indicates a positive financial performance and outlook.
CreditAccess Grameen Limited has released its Investor Presentation for the quarter and half-year ended September 30, 2026. The presentation details key financial and operational highlights, including a significant year-over-year growth in Assets Under Management (AUM) and Disbursements.
The company reported a robust performance in Q2 FY27, with AUM growing by 19.5% year-on-year to ₹30,946 crore and disbursements increasing by 19.4% year-on-year to ₹6,355 crore. The Net Interest Income (NII) stood at ₹1,278 crore, Profit Before Provisioning and Contingencies (PPOP) at ₹970 crore, and Profit After Tax (PAT) crossed the ₹500 crore milestone, reaching ₹502 crore, marking a substantial 298.7% year-on-year growth. The reported Return on Assets (ROA) was 5.8% and Return on Equity (ROE) was 23.2% on a TTM basis.
Asset quality has shown significant improvement, with Collection Efficiency (excluding arrears) at 97.9% and GNPA (Gross Non-Performing Asset) at 1.79%. The company has also revised its FY27 guidance upwards, projecting AUM growth of 20.0-25.0%, NIM of 14.4-14.7%, C/I Ratio of 29.0-30.0%, and ROA of 5.2-5.8%, with ROE projected between 21.0-24.0%. The presentation also emphasizes the company's strategic vision, "Project Shakti," focusing on expanding its inclusive finance leadership, leveraging digital capabilities, and deepening customer relationships across its vast network of 2,326 branches.
The company highlighted its resilience through various industry cycles, including demonetization and the COVID-19 pandemic, demonstrating strong growth in AUM, Disbursements, and Profits over the past decade. CreditAccess Grameen continues to focus on customer acquisition and retention, expanding its product suite to cater to the evolving financial needs of households, particularly women and low-to-middle-income segments. The presentation also details the company's strengthened credit underwriting framework and multi-channel customer engagement strategy, integrating physical and digital touchpoints.
What to do with a filing like this
CREDITACCESS GRAMEEN LIMITED filed this with the NSE as a statutory disclosure, categorised under investor presentation. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
That call is the part a filing cannot make for you. On RealCase, SEBI-registered research analysts and investment advisers read announcements like this one and turn the ones that matter into actions inside their model portfolios: a change in weight, a hold, or nothing at all. You are not left working out which of the roughly 250 filings published each day needs a response. The portfolio you follow is updated when a filing actually warrants it, with the reason written down.
See the model portfoliosA plain-language summary of a public exchange filing by CREDITACCESS GRAMEEN LIMITED. Read the original for the full detail.