CreditAccess Grameen Q4 FY26 PAT Soars 619% to ₹340 Crore; AUM Up 14%
CreditAccess Grameen reported Q4 FY26 PAT of ₹340 Crore, a 619.4% YoY increase. AUM grew 14.0% YoY to ₹29,590 Crore. For FY26, PAT was ₹777.6 Crore. The company guided FY27 AUM growth of 20-25% and ROA of 4.0-4.8%. They also launched 'Project Shakti' for future growth.
The substantial increase in profitability and AUM, coupled with strong future guidance and strategic initiatives like 'Project Shakti', are expected to have a significant positive impact on the company's performance and investor outlook.
The company reported significant year-on-year growth in PAT, AUM, and disbursements, alongside positive future guidance and a new strategic initiative.
CreditAccess Grameen Limited announced its audited financial results for the fourth quarter and financial year ending March 31, 2026. The company reported a significant year-on-year increase in Profit After Tax (PAT) for Q4 FY26, which grew by 619.4% to ₹340 Crore, compared to ₹47.2 Crore in the same period last year. This surge resulted in a Return on Assets (ROA) of 4.4% and a Return on Equity (ROE) of 17.8%.
The Assets Under Management (AUM) grew by 14.0% year-on-year to ₹29,590 Crore from ₹25,948 Crore. Disbursements also saw a substantial increase of 28.4% year-on-year, reaching ₹8,313 Crore. The company added 3.32 lakh new borrowers, with 35% being New-to-Credit (NTC). The share of the Retail Finance portfolio increased to 18.1% in March 2026 from 5.9% in March 2025. The branch network expanded by 8.4% to 2,236 branches.
For the full financial year 2026, total income increased by 5.3% to ₹6,062.5 Crore, and PAT grew by 46.3% to ₹777.6 Crore, with ROA at 2.7% and ROE at 10.7%.
Mr. Ganesh Narayanan, Managing Director and Chief Executive Officer, highlighted that Q4 FY26 marked an inflection point, with AUM growth in line with guidance. He emphasized the company's strategy of serving first-time customers and graduating existing customers into higher-value retail finance products. CreditAccess Grameen is guiding for FY27 with 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%.
The company also announced 'Project Shakti', a decade-long transformation agenda focused on customer-centricity, market reach, household relationships, and enhancing capabilities in people, technology, and AI to strengthen its position in inclusive finance.
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