CREDITACCESS GRAMEEN LIMITED — PPTs, 08-05-2026: Investor Presentation

CreditAccess Grameen delivered strong Q4 FY26 results with Profit After Tax soaring 619.4% year-over-year to INR 340 Cr. Full-year PAT also rose 46.3% to INR 778 Cr. Assets Under Management (AUM) grew 14.0% YoY to INR 29,590 Cr, driven by robust disbursements. Retail Finance (RF) segment's share of AUM increased to 18.1%.

The company is focused on scaling its inclusive financing platform, aiming for 20-25% AUM growth and 8-10% customer growth annually through 'Project Shakti.' Key strategies include deepening customer relationships, expanding its multi-channel engagement (like the Grameen Mahi app), and leveraging technology and AI to streamline operations and enhance customer offerings.

Recent operational developments include opening 183 new branches in FY26 and a notable increase in digital collections to 22% in Q4. Asset quality improved, with Gross NPA at 3.17% and Net NPA at 1.12%. Capital Adequacy Ratio (CRAR) stands strong at 24.4%.

Management projects a robust outlook for FY27, guiding for 20-25% AUM growth, Return on Assets between 4.0-4.8%, and Return on Equity of 16.0-20.0%. This positive outlook is underpinned by strong business momentum, normalizing asset quality trends with lower PAR accretion, improved operating profits, and a robust balance sheet.