CREDITACCESS GRAMEEN LIMITED — PPTs, 20-01-2026: Investor Presentation

CreditAccess Grameen reported a robust Q3. Gross Loan Portfolio (GLP) grew 7.1% YoY to ₹26,566 Cr, with disbursements up 13.4%. Profit after tax surged 153.3% to ₹252 Cr, and Net Interest Income (NII) rose 13.4% to ₹977 Cr. The Retail Finance segment's GLP share increased to 14.1%.

Growth is fueled by normalized asset quality, strong business momentum, and a solid balance sheet. The company added 2.06 lakh new borrowers, with 39% being new-to-credit. Asset quality shows improvement, with monthly PAR 15+ accretion falling. Alignment with MFI guardrails also strengthened borrower profiles.

Key metrics: GNPA is 4.04%, NNPA 1.36%. Return on Equity (ROE) is 13.8%, Return on Assets (ROA) 3.5%, and Capital Adequacy Ratio (CRAR) a strong 26.4%.

Management sees a robust outlook, emphasizing sustained momentum, improving operating profits, and a focus on long-term liability diversification. They are also exploring fintech partnerships to boost efficiency.