CreditAccess Grameen Limited has announced strong financial results for the quarter and financial year ended March 31, 2026. The company achieved a PAT of INR 340 crore in Q4, representing a 619.4% YoY growth, while the full-year PAT stood at INR 778 crore. With an AUM of INR 29,590 crore and a 14.0% YoY growth, the company continues to demonstrate resilience and expansion, supported by its rural-focused inclusive financing platform.
Key Financial Performance
CreditAccess Grameen reported a strong performance for Q4 FY26, characterized by a significant rebound in profitability. The quarterly PAT of INR 340 crore reflects a robust 619.4% year-on-year increase. For the full FY26, the company recorded a PAT of INR 778 crore, up 46.3% compared to the previous year. The company’s Net Interest Income (NII) for the full year reached INR 3,938 crore, underscoring strong core operating profitability.
Asset Quality and Operational Resilience
The company successfully navigated industrial challenges, ending the year with an AUM of INR 29,590 crore, which grew by 14.0% YoY. Asset quality has shown notable normalization, with GNPA at 3.17% and NNPA at 1.12% by the end of March 2026. Additionally, the company maintained a strong capital position with a CRAR of 24.4%, supported by a diversified liability profile and disciplined credit underwriting processes.
Strategic Growth and Digital Transformation
CreditAccess Grameen continues to expand its footprint, operating 2,236 branches across 16 states and 1 Union Territory. The company remains committed to its ‘Project Shakti’ initiative, aiming for an AUM CAGR of 20% – 25% for the next ten years. Digital integration plays a crucial role in this strategy, with the Grameen Mahi customer app successfully onboarding 8.4 lakh customers in FY26, further enhancing operational efficiency and customer engagement.
Future Guidance
Looking ahead to FY27, the company has provided optimistic guidance, projecting AUM growth between 20.0% and 25.0%. Other targets for the upcoming fiscal year include an NIM range of 12.8% – 13.2% and a Return on Equity (ROE) between 16.0% and 20.0%, reflecting a confident outlook on sustained business momentum and continued value creation for stakeholders.
Source: BSE
