CREDITACCESS GRAMEEN LIMITED has informed the Exchange about Transcript
CREDITACC · price
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CreditAccess Grameen reported strong Q4 FY26 results with AUM growing 14% YoY to INR 8,313 Crore in disbursements. PAT surged over 6x YoY to INR 340 Crore, delivering ROA of 4.4% and ROE of 17.8%. The company is transitioning from pure microfinance to a rural-focused inclusive finance platform, with retail finance share rising to 18.1% from 5.9% a year ago. NIMs expanded to 14.2% while cost of borrowing fell to 9.2%. For FY27, management guided AUM growth of 20-25%, NIM of 12.8-13.2%, credit cost of 3-4%, and ROE of 16-20%. The company launched "Project Shakti" - a 10-year strategic initiative targeting 20%+ CAGR to build leadership in inclusive finance, expanding beyond microfinance to serve entire household financial needs.
Strong recovery quarter with multi-year targets announced signals confidence in business trajectory. The margin guidance (NIM decline to 12.8-13.2%) indicates management is willing to pass on efficiency gains to customers while maintaining ROA targets. Retail finance expansion and customer graduation strategy position the company for diversified growth.