Profit before tax increased 771.3% year-on-year to ₹445.0 crore from ₹51.1 crore. Total income for the quarter rose 13.6% year-on-year to ₹1,598.6 crore. Pre-provision operating profit (PPOP) increased 23.1% to ₹780.3 crore.ALSO READ | CreditAccess Grameen Q4 Update: Disbursements up 28%, loans grow 14%
Assets under management (AUM) increased 14% year-on-year to ₹29,590 crore from ₹25,948 crore. Disbursements rose 28.4% to ₹8,313 crore from ₹6,472 crore.
For FY26total income rose 5.3% to ₹6,062.5 crore, while PPOP grew 6.5% to ₹2,808.6 crore. Net profit for the year increased 46.3% to ₹777.6 crore, with return on assets (RoA) at 2.7% and return on equity (RoE) at 10.7%.
Retail finance portfolio share stood at 18.1% in March 2026 compared with 5.9% in March 2025. The company added 3.32 lakh new borrowers, with 35% being new-to-credit customers. Portfolio share of unique borrowers increased to 46% in Q4FY26 from 34% a year earlier.Asset quality improved, with PAR 0+ declining from 4.4% in Q3FY26 to 3% in Q4FY26. PAR 90+ stood at 2.3%, while gross and net NPA measured at 60+ days past due stood at 3.17% and 1.12%, respectively. Collection efficiency for X-bucket stood at 99.84% in March 2026.
ALSO READ | CreditAccess Grameen shares gain up to 10% but cool off on strong Q4 update, normal asset quality
Liquidity stood at ₹2,402.3 crore in cash, cash equivalents and investments, representing 7.5% of total assets. Capital adequacy ratio (CRAR) stood at 24.4%. The branch network expanded 8.4% year-on-year to 2,236 branches, while the employee base grew 4.6% to 21,941. Annualised attrition rate stood at 29.4%
Ganesh Narayanan, Managing Director and Chief Executive Officer of CreditAccess Grameen Ltd, said, “Q4 FY26 marked a clear inflection in our performance trajectory, with AUM growing 14% YoY in line with our annual growth guidance. Our growth was purposeful: anchored in first-time customers with guardrail-compliant borrowers, and the graduation of vintage CA Grameen customers into higher-value retail finance products.”
He added, “The share of retail finance has expanded meaningfully to 18.1% as of March 2026 end, up from 5.9% a year ago. We are building a rural-focused, inclusive financing platform that accompanies the customer across their financial lifecycle journey.”
Starting with group-based microfinance, the lender is extending into individual business loans, mortgage-backed lending, and two-wheeler financing.
“With a sharpened product suite, disciplined credit culture, and a clear strategic roadmap, we enter FY27 with confidence. We are guiding the next financial year for AUM growth of 20–25%, NIM of 12.8–13.2%, cost-to-income of 33–35%, credit cost of 3–4%, RoA of 4–4.8%, and ROE of 16–20%,” Narayanan said.
Shares of CreditAccess Grameen Ltd ended at ₹1,492.10, up by ₹3.55, or 0.24%, on the BSE today, May 8.
