CreditAccess Grameen Q2 FY27 PAT Soars to ₹502 Cr, Up 298.7% YoY; Guidance Raised
CreditAccess Grameen reported its highest quarterly PAT of ₹502 Cr for Q2 FY27, up 298.7% YoY. AUM grew 19.5% to ₹30,946 Cr. The company raised its FY27 guidance for ROA to 5.2-5.8% and ROE to 21-24%. Management highlighted a turnaround in profitability and diversification.
The substantial YoY growth in PAT, revised upward guidance for key financial metrics (ROA, ROE), and positive commentary from the CEO indicate a significant positive impact on the company's financial standing and investor confidence.
The company reported significantly higher profits, increased assets under management, and raised future guidance, indicating strong financial performance and positive future outlook.
CreditAccess Grameen Limited (CA Grameen) announced its unaudited financial results for the second quarter and first half of FY27, reporting the highest quarterly Profit After Tax (PAT) of ₹502 crore, a significant year-on-year increase of 298.7% from ₹125.8 crore. The company's Assets Under Management (AUM) grew by 19.5% YoY to ₹30,946 crore, with disbursements rising by 19.4% YoY to ₹6,355 crore.
The financial highlights for Q2 FY27 include a 26.2% YoY increase in total income to ₹1,904.8 crore, a 39.6% YoY rise in Pre-Provision Operating Profit (PPOP) to ₹970.2 crore, and a 43.2% YoY decline in credit costs to ₹299 crore. Profit Before Tax (PBT) grew 296.6% YoY to ₹670.9 crore.
Mr. Ganesh Narayanan, Managing Director and Chief Executive Officer, stated that FY27 marks a turnaround in profitability, with H1 FY27 PAT at ₹995 crore. The company revised its FY27 guidance upwards for Return on Assets (ROA) to 5.2-5.8% (from 4.0-4.8%) and Return on Equity (ROE) to 21-24% (from 16.0-20.0%), while maintaining AUM growth guidance at 20-25% and credit cost at 3-4%. Loan pricing was reduced by 50 basis points from October.
CA Grameen's business highlights show a growing share of Retail Finance at 23.3% of AUM, healthy new borrower additions, and a strong collection efficiency of 99.71%. The branch network expanded to 2,326 and the employee base grew to 22,677. The company maintained a robust capital position with a CRAR of 26.9% and credit ratings of AA-/Stable.
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