CREDITACCESS GRAMEEN Q2 FY27: PAT ₹493 Cr & Rev ₹30,319 Cr

Metric	Value
Revenue	₹30,319 Cr
Net Profit (PAT)	₹493 Cr

📢 Key Event
CreditAccess Grameen Limited reported Q1 FY27 results with strong AUM growth, profitability, and asset quality metrics.

🔄 What Changed
720% YoY PAT growth to INR 493 Crore; retail finance AUM share up 250 bps sequentially to 20.6%; PAR 90 improved to 1.46%; net NPA at 0.76%; cash position at INR 3,536 Crore (10.4% of assets).

🔮 What's Next
Retail finance contribution to stable ROEs; no El Nino impact; guidance unchanged; cash position remains strong; no cap on ROA during up cycles.

💡 Investor Takeaway
Strong operational momentum with retail finance driving profitability and asset quality, supporting sustainable growth without capital raises.

CreditAccess Grameen Limited reported robust Q1 FY27 performance with AUM growing 16.4% YoY to INR 30,319 Crore and disbursements rising 11.9% to INR 6,107 Crore, driven by 2.5 Lakh new borrowers (35% new-to-credit). Retail finance AUM share surged to 20.6% (up 250 bps sequentially), while digital collections reached 24.2% of total. Asset quality remained strong with PAR 90 at 1.46% and net NPA at 0.76%. PAT surged 720% YoY to INR 493 Crore, reflecting ROA of 5.9% and ROE of 24.4%. Management confirmed unchanged guidance, citing no El Nino impact and strong liquidity (INR 3,536 Crore cash, 10.4% of assets), with retail finance contributing to stable profitability despite MFI share decline.

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About CREDITACCESS GRAMEEN LIMITED (CREDITACC)

Financial Services · Finance · Listed on NSE

Market Cap: ₹22,679.13 Cr P/E: 18.7 ROE: 15.4% ROCE: 11.4%

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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