CreditAccess Grameen reported a strong Q3 FY26, with PAT soaring 153.3% YoY to INR 252 Crore and 100.4% QoQ. AUM grew 7.1% YoY to INR 26,566 Crore, while disbursements increased 13.4% YoY to INR 5,767 Crore. The company added 2.06 lakh new borrowers, with 39% being new to credit. Asset quality improved, with PAR 0+ decreasing to 4.4%.
Strong Financial Performance
CreditAccess Grameen Limited (NSE: CREDITACC, BSE: 541770) announced its Q3 FY26 results, showcasing a significant improvement in profitability and asset quality. Key highlights include:
- PAT Growth: Increased by 153.3% YoY and 100.4% QoQ, reaching INR 252.1 Crore, resulting in a RoA of 3.5% and RoE of 13.8%.
- Total Income: Increased by 7.9% YoY to INR 1,491.3 Crore.
Key Business Metrics
The company demonstrated solid growth across various business segments:
- AUM: Grew by 7.1% YoY, from INR 24,810 Crore to INR 26,566 Crore.
- Disbursements: Increased by 13.4% YoY, from INR 5,085 Crore to INR 5,767 Crore.
- Borrower Addition: Added 2.06 lakh new borrowers, with a focus on new-to-credit customers (39% NTC).
- Branch Network: Expanded by 7.9% YoY, from 2,059 to 2,222 branches.
Asset Quality and Efficiency
CreditAccess Grameen improved its asset quality and operational efficiency:
- PAR 0+: Decreased from 4.7% in Q2 FY26 to 4.4% in Q3 FY26.
- Collection Efficiency: Stood at 95.5% in December 2025, improving from 94.5% in September 2025.
- Credit Cost Reduction: Decreased by 54.4% YoY to INR 342.6 Crore, driven by declining new PAR accretion.
Capital Position
The company maintains a strong capital and liquidity position:
- Liquidity: Robust liquidity of INR 2,397.4 Crore, representing 8.4% of total assets.
- CRAR: Healthy capital position with a CRAR of 26.4%.
Source: BSE
