Net interest income (NII) rose by 19.5% year-on-year, reaching ₹1,047.4 crore, compared to ₹876.5 crore the previous year.
Profit before tax jumped 771.3% year-on-year to ₹445.0 crore from ₹51.1 crore. Total income for the quarter increased by 13.6% year-on-year to ₹1,598.6 crore. Pre-provision operating profit (PPOP) saw a 23.1% rise to ₹780.3 crore.
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Assets under management (AUM) experienced a 14% year-on-year growth, reaching ₹29,590 crore from ₹25,948 crore. Disbursements surged by 28.4% to ₹8,313 crore from ₹6,472 crore.
For FY26, total income increased 5.3% to ₹6,062.5 crore, while PPOP grew by 6.5% to ₹2,808.6 crore. The annual net profit rose 46.3% to ₹777.6 crore, with a return on assets (RoA) of 2.7% and a return on equity (RoE) of 10.7%.
Retail finance portfolio share stood at 18.1% in March 2026, up from 5.9% in March 2025. The company welcomed 3.32 lakh new borrowers, with 35% being new-to-credit clients. The portfolio share of unique borrowers grew to 46% in Q4FY26 from 34% a year earlier.
Asset quality improved, as PAR 0+ decreased from 4.4% in Q3FY26 to 3% in Q4FY26. PAR 90+ was at 2.3%, while gross and net NPA, measured at over 60 days past due, stood at 3.17% and 1.12%, respectively. Collection efficiency for the X-bucket reached 99.84% by March 2026.
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Liquidity totaled ₹2,402.3 crore in cash, cash equivalents, and investments, representing 7.5% of total assets. The capital adequacy ratio (CRAR) was recorded at 24.4%. The branch network expanded by 8.4% year-on-year to 2,236 branches, and the employee base increased by 4.6% to 21,941. The annualized attrition rate was at 29.4%.
Ganesh Narayanan, Managing Director and CEO of CreditAccess Grameen Ltd, stated, “Q4 FY26 marked a significant turning point in our performance, with AUM growing 14% YoY consistent with our annual growth expectations. Our growth strategy focused on first-time customers adhering to regulations and progressing existing CA Grameen clients to higher-value retail finance solutions.”
He added, “The retail finance segment has grown substantially to 18.1% by the end of March 2026, up from 5.9% a year ago. We are developing a rural-centric, inclusive financing platform that supports customers throughout their financial journeys.”
Beginning with group-based microfinance, the lender is also branching into individual business loans, mortgage-backed lending, and financing for two-wheelers.
“With an enhanced product lineup, a disciplined credit approach, and a clear strategy, we confidently approach FY27. We are forecasting AUM growth of 20–25%, NIM of 12.8–13.2%, cost-to-income ratio of 33–35%, credit costs of 3–4%, RoA of 4–4.8%, and ROE of 16–20%,” Narayanan noted.
The shares of CreditAccess Grameen Ltd closed at ₹1,492.10, an increase of ₹3.55, or 0.24%, on the BSE on May 8.
