CreditAccess Grameen Limited, India’s leading rural-focused inclusive financing platform, announced its audited financial results for the fourth quarter and financial year ending 31 March 2026, showcasing significant growth across various financial metrics.
In the fourth quarter of FY26, CreditAccess Grameen‘s Assets Under Management (AUM) grew by 14.0% year-on-year (YoY), reaching ₹29,590 crore, up from ₹25,948 crore. The company also reported a substantial increase in disbursements, which rose by 28.4% YoY from ₹6,472 crore to ₹8,313 crore. The retail finance portfolio’s share increased significantly to 18.1% in March 2026, compared to 5.9% in March 2025.
The company added 3.32 lakh new borrowers during the quarter, with 35% being New-to-Credit (NTC). The portfolio share of unique borrowers increased to 46% in Q4 FY26 from 34% in the same quarter of the previous year. Additionally, the PAR 0+ decreased from 4.4% in Q3 FY26 to 3.0% in Q4 FY26, while the X-Bucket Collection Efficiency stood at 99.84% in March 2026.
The branch network expanded by 8.4% YoY, growing from 2,063 to 2,236 branches, and the employee base increased by 4.6% YoY from 20,970 to 21,941, with an annualised attrition rate of 29.4%.
Financially, the company’s total income for Q4 FY26 increased by 13.6% YoY to ₹1,598.6 crore. The Pre-provision Operating Profit (PPOP) rose by 23.1% YoY to ₹780.3 crore, while Profit Before Tax (PBT) grew by an impressive 771.3% YoY from ₹51.1 crore to ₹445.0 crore. Profit After Tax (PAT) surged by 619.4% YoY from ₹47.2 crore to ₹339.5 crore, resulting in a Return on Assets (ROA) of 4.4% and Return on Equity (ROE) of 17.8%.
For the entire FY26, CreditAccess Grameen’s total income increased by 5.3% YoY to ₹6,062.5 crore, with PPOP growing by 6.5% YoY to ₹2,808.6 crore. The PAT for the year rose by 46.3% YoY to ₹777.6 crore, translating to an ROA of 2.7% and ROE of 10.7%.
Commenting on the results, Mr. Ganesh Narayanan, Managing Director and CEO of CreditAccess Grameen, highlighted the company’s strategic growth and its focus on first-time customers and retail finance products. He also announced ‘Project Shakti’, an initiative aimed at transforming the company into a leader in the inclusive finance space over the next decade.
Disclaimer: This article is based on a regulatory filing submitted to the National Stock Exchange of India (NSE).