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CreditAccess Grameen (CREDITACC) investor relations material
CreditAccess Grameen Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary28 Oct, 2025
Executive summary
Q2 FY26 saw improving business momentum, with Gross Loan Portfolio (GLP) at ₹25,904 crore, up 3.1% YoY, and disbursements of ₹5,332 crore, a 32.9% increase YoY, adding 220,000 new borrowers, 39% new-to-credit.
Retail finance share increased to 11.1% of AUM, driven by individual business loans and higher regulatory limits, while group loan book declined due to accelerated write-offs.
Asset quality stabilized with GNPA at 3.65%, PAR 90+ at 2.5%, and collection efficiency at 94.5% (excluding arrears), supported by conservative provisioning and write-offs.
Branch network expanded by 150 in H1, reaching 2,209 branches, and workforce grew to 21,701 employees.
Board approved unaudited results for Q2 and H1 FY26; Manoj Kumar appointed Chairman, and new statutory auditors named.
Financial highlights
Net interest income for Q2 FY26 was ₹976 crore, up 4.7% YoY; NIM at 13.3%, cost-to-income ratio at 32.5%, and PPOP at ₹695 crore.
PAT for Q2 FY26 was ₹126 crore, down 32.4% YoY due to higher credit costs and write-offs; H1 FY26 PAT was ₹186 crore.
Total assets as of September 30, 2025, were ₹27,679 crore; total equity at ₹7,164 crore; debt/equity ratio at 2.8.
Liquidity (cash and equivalents) at ₹2,176 crore, 7.9% of total assets; liquidity coverage ratio at 160.64%.
Earnings per share (EPS) for H1 FY26 was ₹11.64 (basic), up from ₹7.87 YoY.
Outlook and guidance
Management reaffirmed FY26 growth guidance, expecting robust H2 AUM growth and targeting 20%+ for FY27, combining retail finance and microfinance.
Credit cost for FY26 expected to be 70-100 bps higher than initial guidance, with FY27 credit cost projected at 4%-4.5% due to ECL model updates.
ROA is expected to recover to 4-4.5% in FY27 as operating profit improves and credit costs normalize.
Healthy monsoons and strong rural demand anticipated to support loan growth and asset quality improvement.
The company continues as a non-deposit taking NBFC, classified as NBFC-ML by RBI.
Exposure under resolution plans?
Aggregate value of loans transferred?
New joint auditor's experience?
How will 4-4.5% ROA be achieved in FY27?
Retail finance growth strategy and mix?
Guardrail impact on new borrower additions?
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Next CreditAccess Grameen earnings date
Q3 25/2623 Jan, 2026
Next CreditAccess Grameen earnings date
Q3 25/2623 Jan, 2026
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