CreditAccess Grameen Q4 & FY26 Investor Presentation Released
CreditAccess Grameen reported strong Q4 FY26 results with AUM at ₹29,590 crore (up 14.0% YoY) and PAT at ₹340 crore (up 619.4% YoY). For FY26, PAT was ₹778 crore (up 46.3% YoY). The company expects FY27 AUM growth of 20-25%, ROA of 4.0-4.8%, and ROE of 16-20%.
The announcement contains detailed financial results for the quarter and full year, along with forward-looking guidance for the next fiscal year, which are material information for investors and significantly impact the company's valuation and outlook.
The company's financial results show significant year-over-year growth in key metrics like PAT, AUM, and disbursements. The positive outlook for FY27 with improved return ratios further reinforces the positive sentiment.
CreditAccess Grameen Limited has released its Investor Presentation for the quarter and financial year ended March 31, 2026. The presentation is available on the company's website and was submitted to the stock exchanges as per SEBI regulations.
The company highlighted key business and financial performance metrics for Q4 FY26 and the full fiscal year. For Q4 FY26, Assets Under Management (AUM) grew by 14.0% YoY to ₹29,590 crore, and disbursements increased by 28.4% YoY to ₹8,313 crore. Net Interest Income (NII) stood at ₹1,048 crore, and Profit After Tax (PAT) was ₹340 crore, marking a significant 619.4% YoY increase. Return on Assets (ROA) was 4.4%, and Return on Equity (ROE) was 17.8%.
For the full fiscal year FY26, AUM grew by 14.0% YoY to ₹29,590 crore, and disbursements increased by 24.1% YoY to ₹24,859 crore. NII was ₹3,938 crore, and PAT was ₹778 crore, up 46.3% YoY. ROA for FY26 was 2.7%, and ROE was 10.7%.
The presentation also detailed improvements in asset quality, with GNPA at 3.17% and NNPA at 1.12%. Collection efficiency (excluding arrears) was 96.3% for Q4 FY26. The company noted a continuous reduction in credit costs due to lower new PAR accretion, with a credit cost of ₹335.3 crore in Q4 FY26.
Looking ahead, CreditAccess Grameen provided guidance for FY27, projecting AUM growth of 20.0% – 25.0%, NIM between 12.8% – 13.2%, a Cost-to-Income ratio 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%.
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CREDITACCESS GRAMEEN LIMITED filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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See the model portfoliosA plain-language summary of a public exchange filing by CREDITACCESS GRAMEEN LIMITED. Read the original for the full detail.