CreditAccess Grameen Ltd — earnings calls
2 quarters summarised from transcripts filed with the exchange, every statement cited. Newest first.
CreditAccess Grameen reported Q1 FY27 AUM growth of 16.4% YoY to INR 30,319 Crore, with PAT up 720% YoY to INR 493 Crore driven by normalized credit costs and improved asset quality. Management said net interest margin stood at 14.4%, ROA at 5.9% and ROE at 24.4% for the quarter, while retail finance now constitutes 20.6% of AUM. The company maintained its medium-term guidance of INR 50,000 Crore AUM by calendar year 2028 and said it would evaluate pricing changes in the second half of FY27 based on credit cost trends.
CreditAccess Grameen reported Q4 FY26 AUM growth of 14.0% YoY and 11.4% QoQ, with disbursements of INR 8,313 Crore in the quarter and INR 24,859 Crore for the full year. PAT for Q4 grew over 6x YoY to INR 340 Crore, translating to an ROA of 4.4% and ROE of 17.8%, while full-year credit cost came in at 6.74% against a guidance of 5.5% to 6.0%. Management outlined FY27 guidance across AUM growth, NIM, cost-to-income, credit cost, ROA and ROE, and described a multi-year strategy called Project Shakti to expand beyond microfinance into individual loans, mortgages and two-wheeler financing.