CreditAccess Grameen Reports Strong Q4 FY26 Results; AUM Reaches INR 29,590 Crore

CreditAccess Grameen Reports Strong Q4 FY26 Results; AUM Reaches INR 29,590 Crore​

CreditAccess Grameen Limited, India's prominent rural-focused inclusive financing platform, announced its audited financial results for the fourth quarter and financial year ending March 31, 2026. The company reported significant growth in its Assets Under Management (AUM) and Profit After Tax (PAT), signaling a strong performance trajectory.

Q4 FY26 Business Highlights​

During the fourth quarter of fiscal year 2026, the company reported that its AUM grew 14.0% Year-over-Year (YoY), reaching INR 29,590 crore from INR 25,948 crore. Disbursements saw an increase of 28.4% YoY, rising from INR 6,472 crore to INR 8,313 crore.

Key operational highlights for the quarter include:

• The share of the Retail Finance portfolio expanded significantly to 18.1% as of March 2026, up from 5.9% in March 2025.
• The company added 3.32 lakh new borrowers, with 35% of this addition being New-to-Credit (NTC) customers.
• The portfolio share of unique borrowers increased to 46% in Q4 FY26, compared to 34% in Q4 FY25.
• Asset quality metrics showed improvement, with the PAR 0+ decreasing from 4.4% in Q3 FY26 to 3.0% in Q4 FY26.
• X-Bucket Collection Efficiency stood strong at 99.84% in March 2026.
• The physical reach of the company expanded, with the branch network growing by 8.4% YoY, from 2,063 to 2,236 branches.

Financial Performance Snapshot​

The financial results show robust growth across various metrics for both the quarter and the full fiscal year.

The financial performance for Q4 FY26 was marked by substantial growth in profitability. The Profit After Tax (PAT) grew 619.4% YoY, reaching INR 339.5 crore from INR 47.2 crore. Total income for the quarter increased 13.6% YoY to INR 1,598.6 crore.


For the full fiscal year 2026, the company reported a Total income of INR 6,062.5 crore, an increase of 5.3% YoY. PAT grew 46.3% YoY to INR 777.6 crore, resulting in an ROA of 2.7% and an ROE of 10.7%.

In terms of assets and capital structure, the Group's GNPA / NNPA measured at 60+ dpd (GL) stood at 3.17% / 1.12%, with PAR 90+ at 2.3%. The company maintained a robust liquidity position with INR 2,402.3 crore in cash, cash equivalents, and investments, representing 7.5% of total assets, and reported a Capital to Risk-Weighted Assets Ratio (CRAR) of 24.4%. The company also holds credit ratings of AA-/Stable from CRISIL, ICRA, and India Ratings.

Management Commentary​

Mr. Ganesh Narayanan, Managing Director and Chief Executive Officer of CreditAccess Grameen Ltd, noted that Q4 FY26 represented a clear inflection point in the company's performance.

"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 stated.

He highlighted the expansion of the retail finance share to 18.1% by March 2026, significantly up from 5.9% a year earlier, attributing this to the trust and depth within the customer base.

Narayanan further elaborated that the company aims to operate as a rural-focused inclusive financing platform, expanding its offerings from group-based microfinance to individual business loans, mortgage-backed lending, and two-wheeler financing.

The company also announced 'Project Shakti,' its transformation initiative focused on building market leadership in the inclusive finance space. This initiative is designed to strengthen household-level relationships, deepen market reach, and enhance the company's people, technology, and AI capabilities.

About CreditAccess Grameen Limited​

CreditAccess Grameen Limited is India's leading rural-focused inclusive financing platform. It provides a comprehensive credit suite to low-middle income households, covering group loans, individual business loans, secured business loans, affordable housing loans, and two-wheeler financing. The company operates across 451 districts in 16 states and one union territory (Puducherry) through its network of 2,236 branches.

CREDITACC Stock Price Movement​

Today, CREDITACCESS GRAMEEN LIMITED shares edged higher, settling at ₹1497, representing a gain of 0.44% for the day. The stock traded on a volume of 277,518 shares today, closing near the upper end of its day's trading range of ₹1482.1 to ₹1514.1.