Key takeaway: The investor presentation for CreditAccess Grameen Limited (CREDITACC) for Q2 and H1 FY27 highlights strong financial performance, with PAT increasing 298.7% YoY to INR 502 Cr and ROA at 5.8%, ROE at 23.2%. AUM grew 19.5% YoY to INR 30,946 Cr, with disbursements up 19.4% YoY to INR 6,355 Cr. Asset quality improved, with GNPA at 1.79% and PAR 90+ at 1.11%, reflecting delinquency metrics at their lowest in 10 quarters. The company reported a 30.9% YoY increase in net interest income and a 39.6% rise in pre-provision operating profit. Revised FY27 guidance includes AUM growth of 20.0–25.0%, NIM of 14.4–14.7%, and ROE of 21.0–24.0%. Strategic initiatives like Project 'Shakti' aim to strengthen leadership in inclusive finance, with a focus on digital-enabled services for women and leveraging AI for growth. The company also emphasized ESG initiatives, including CSR programs benefiting 18.36 lakh+ beneficiaries and maintaining strong governance practices. The presentation noted a stable liquidity position, robust credit underwriting frameworks, and a diversified liability mix with 61.5% from domestic banks and 23.4% from foreign sources. The company's ESG ratings include a Sustainalytics score of 20.7 (Medium Risk) and a S&P Global rating of 53/100 (Very High Data Availability vs Peers).

Key takeaway: Management reported that Q1 FY27 was one of the strongest quarters in the company's history, with a 16.4% year-over-year growth in assets under management (AUM) to INR 30,319 Crore. Disbursements increased by 11.9% year-over-year to INR 6,107 Crore, and the company added 2.5 lakh new borrowers, with 35% being new-to-credit. Digital collections rose to 24.2% of total collections. The retail finance book grew to 20.6% of AUM, and the company opened 42 new branches, increasing its total to 2,276. The net interest margin was reported at 14.4%, and the profit after tax (PAT) surged 720% year-over-year to INR 493 Crore. Management emphasized strong asset quality, with gross NPA at 2.18% and net NPA at 0.76%. The company maintained ample liquidity and completed a private NCD issuance of INR 425 Crore. Management set a goal of INR 50,000 Crore AUM by calendar year 2028.

Key takeaway: The investor presentation for CreditAccess Grameen Limited for the quarter ended June 30, 2026, reported a year-on-year growth in Assets Under Management (AUM) of 16.4%, reaching INR 30,319 crore. The number of borrowers decreased by 2.4% to 44.51 lakh, while disbursements increased by 11.9% to INR 6,107 crore. The presentation highlighted a strong collection efficiency of 97.4% and a Gross Non-Performing Asset (GNPA) ratio of 2.18%. Profit After Tax (PAT) surged by 719.7% year-on-year to INR 493 crore. The company maintained a Capital Adequacy Ratio (CRAR) of 24.9% and reported a Net Interest Margin (NIM) of 14.4%. The presentation also outlined a strategic vision, Project 'Shakti', aimed at enhancing customer engagement and expanding the product suite. Management set a goal of 20% to 25% AUM growth for FY27.

Key takeaway: Management reported that CreditAccess Grameen Limited experienced significant growth in Q4 FY26, with assets under management (AUM) increasing by 14.0% year-over-year and 11.4% quarter-over-quarter. Disbursements rose 28.4% year-over-year and 44.1% quarter-over-quarter, totaling INR 8,313 Crore for the quarter. The company added 3.3 lakh borrowers in Q4 and 9.8 lakh borrowers for the fiscal year, with 38% being new to credit. Management highlighted a decline in the AUM share of borrowers with multiple lenders and an increase in unique group loan borrowers. The company opened 183 branches, bringing the total to 2,236, and reported a 4.6% increase in its employee base. Management noted strong digital adoption, with a significant increase in digital collections. The net interest margin expanded to 14.2%, and the cost-to-income ratio improved to 30.4%. Management set a goal for FY27 of 20.0-25.0% AUM growth and provided guidance on various financial metrics.

Key takeaway: The investor presentation for CreditAccess Grameen Limited for the quarter and financial year ended March 31, 2026, reported a return to pre-crisis financial performance levels. Key metrics included an AUM of INR 29,590 crore, reflecting a 14.0% year-over-year increase, and disbursements of INR 8,313 crore, up 28.4% year-over-year. The presentation highlighted a significant increase in profit after tax (PAT) of 619.4% year-over-year to INR 340 crore. The company achieved a net interest margin (NIM) of 14.2% and a return on equity (ROE) of 17.8%. Management noted a reduction in non-performing assets, with GNPA at 3.17% and NNPA at 1.12%. The presentation also outlined a growth guidance for FY27, aiming for AUM growth of 20.0% to 25.0% and a return on assets (ROA) of 4.0% to 4.8%.