CreditAccess Grameen files FY26 sustainability report
CreditAccess Grameen Limited filed its Business Responsibility and Sustainability Report for FY26, disclosing a workforce of 21,941 and 2,236 branches. The report details environmental metrics including Scope 3 emissions of 3,027,921.31 metric tonnes and a reduction in waste generation to 5.54 metric tonnes. Governance disclosures included ₹2,45,000 in penalties for board appointment delays, while CSR initiatives totaled ₹2,84,80,899 spent in aspirational districts.
*this image is generated using AI for illustrative purposes only.
CreditAccess Grameen Limited filed its Business Responsibility and Sustainability Report for FY26 with the stock exchanges, disclosing operational scale and environmental impact metrics. The microfinance institution reported a total workforce of 21,941 employees across 2,236 branches, serving predominantly women customers in low-income households. The filing, submitted to BSE and NSE on June 09, 2026, outlines the company's adherence to the National Guidelines on Responsible Business Conduct and details its performance across environmental, social, and governance parameters.
Operational and Financial Metrics
The company operates with a paid-up capital of ₹1,601.96 million and recorded a turnover of ₹60,625.38 million for the financial year. Its business activities, accounting for 100% of turnover, focus on providing inclusive financial services. The report highlights that 99.97% of the customer base comprises women from economically weaker sections availing loans primarily for income generation.
Environmental Impact and Emissions
CreditAccess Grameen disclosed its environmental footprint, reporting total energy consumption of 25,497 GJ from non-renewable sources. The company’s greenhouse gas emissions included Scope 1 emissions of 108.32 metric tonnes and Scope 2 emissions of 4,908.76 metric tonnes. Notably, Scope 3 emissions, primarily financed emissions, were reported at 3,027,921.31 metric tonnes of CO2 equivalent. The company generated 5.54 metric tonnes of waste in FY26, a significant reduction from 41.72 metric tonnes in the previous year.
| Parameter | FY26 | FY25 |
|---|---|---|
| Total Energy Consumed (GJ) | 25,497 | 24,112 |
| Scope 1 Emissions (Metric Tonnes CO2e) | 108.32 | 83.12 |
| Scope 2 Emissions (Metric Tonnes CO2e) | 4,908.76 | 4,725.33 |
| Scope 3 Emissions (Metric Tonnes CO2e) | 3,027,921.31 | 27,56,436.52 |
| Total Waste Generated (Metric Tonnes) | 5.54 | 41.72 |
Governance and Compliance
The report revealed that the company paid monetary penalties of ₹2,45,000 each to BSE and NSE regarding a delay in the appointment of a Non-Executive Chairperson. No appeals were preferred against these penalties. The company confirmed that it has not carried out an independent assessment of its policies by an external agency but ensures continuous updates and annual reviews by the Board of Directors.
Social Initiatives and CSR
Under its Corporate Social Responsibility (CSR) activities, the company spent a total of ₹2,84,80,899 across various aspirational districts in states including Bihar, Jharkhand, and Chhattisgarh. The expenditure focused on areas such as education, health, and livelihood support. Additionally, the report detailed employee welfare measures, noting that the cost incurred on well-being measures was 0.20% of total revenue.
Historical Stock Returns for Credit Access Grameen
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| -0.11% | -0.22% | -15.40% | -0.27% | +5.83% | +76.29% |
What specific strategies will the company implement to manage and reduce the massive Scope 3 financed emissions reported in FY26?
How will the recent regulatory penalties impact the company's future governance protocols and board appointment timelines?
Does the significant reduction in total waste generation signal a shift toward paperless operations that can be sustained in future fiscal years?
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