CREDITACCESS GRAMEEN LIMITED — Investor Meet, 13-05-2026: Analysts/Institutional Investor Meet/Con. Call Updates

CreditAccess Grameen reported strong Q4 FY26 results with AUM growing 14% YoY and PAT surging over 6x YoY to INR 340 Crore, translating to a 4.4% ROA and 17.8% ROE. Full-year PAT was INR 778 Crore with a 2.7% ROA. NIMs expanded to 14.2%, and cost-to-income improved to 30.4% in Q4.

Management highlighted a strategic pivot towards becoming a full financial lifecycle partner for rural households, expanding beyond microfinance into individual business loans and mortgage-backed loans. The company plans to convert 6-8% of MFI customers to retail annually. Digital adoption is accelerating, with 11.2 Lakh active users on the Grameen Mahi app.

For FY27, CreditAccess Grameen forecasts AUM growth of 20-25%, ROA of 4.0-4.8%, and ROE of 16.0-20.0%. Credit costs are guided at 3-4%, reflecting a new forward-looking ECL model that factors in global uncertainties. The company remains confident in its resilient business model and future growth trajectory under "Project Shakti."