CreditAccess Grameen Limited's Board of Directors approved the audited standalone and consolidated financial results for the quarter and financial year ended March 31, 2026. The company, India's leading rural-focused inclusive financing platform and a non-deposit taking NBFC classified as NBFC-ML by the RBI, reported a strong financial performance with significant improvements in profitability, asset quality, and business scale. The joint statutory auditors, Walker Chandiok & Co LLP and Varma & Varma, expressed an unmodified opinion on both the standalone and consolidated financial statements. Pursuant to Regulation 47 of the SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015, the company published its audited financial results on May 09, 2026 in the Financial Express and Vishwavani (Kannada) newspapers, as confirmed by Company Secretary & Compliance Officer Deepti Ramani.

Financial Performance: Quarter and Year Ended March 31, 2026

On a consolidated basis, the company reported a net profit after tax of ₹339.55 crore for Q4 FY26, compared to ₹47.21 crore in the same period of the prior year — a growth of 619.4% YoY. Total income for Q4 FY26 increased 13.6% YoY to INR 1,598.58 crore. Pre-provision operating profit (PPOP) for Q4 FY26 increased 23.1% YoY to INR 780.3 crore, while Profit Before Tax (PBT) grew 771.3% YoY from INR 51.08 crore to INR 445.00 crore. For the full year FY26, net profit after tax increased 46.3% YoY to ₹777.64 crore from ₹531.40 crore in FY25, with total income rising to ₹6,062.54 crore from ₹5,756.14 crore. FY26 PPOP grew 6.5% YoY to INR 2,808.6 crore. The following table summarises the key standalone financial results:

EPS for the quarters are not annualised.

Interest income for FY26 stood at ₹5,762.64 crore compared to ₹5,546.76 crore in FY25. Impairment on financial instruments declined to ₹1,775.40 crore in FY26 from ₹1,929.51 crore in FY25, reflecting an improvement in asset quality provisioning. Paid-up equity share capital stood at ₹160.20 crore as at March 31, 2026, with other equity at ₹7,682.02 crore on a standalone basis. On a consolidated basis, net worth stood at ₹7,842.25 crore, with a Debt-Equity Ratio of 3.01 and paid-up debt capital/outstanding debt of ₹23,641.12 crore.

Business Highlights: Q4 FY26

CreditAccess Grameen reported strong operational momentum in Q4 FY26. The following table captures key business metrics for the quarter:

Key Financial Ratios and Sector-Specific Metrics

As per the disclosures under Regulation 52(4) of the SEBI Listing Regulations for the year ended March 31, 2026, the company reported a Net Profit Margin of 12.83% and a Debt-Equity Ratio of 3.04. Q4 FY26 delivered an ROA of 4.4% and ROE of 17.8%, while FY26 full-year ROA stood at 2.7% and ROE at 10.7%. Asset quality improved meaningfully, with Gross Stage 3 declining to 3.17% in Q4 FY26 from 4.04% in Q3 FY26, and Net Stage 3 falling to 1.12% from 1.36% over the same period. GNPA/NNPA measured at 60+ dpd (GL) stood at 3.17%/1.12%, with PAR 90+ at 2.3%. The Capital to Risk-Weighted Assets Ratio (CRAR) was reported at 24.41%, and the Liquidity Coverage Ratio (LCR) stood at 202.34%.

Management Commentary and Strategic Outlook

Commenting on the performance, Mr. Ganesh Narayanan, Managing Director and Chief Executive Officer, stated: "Q4 FY26 marked a clear inflection in our performance trajectory, with AUM growing 14.0% YoY in line with our annual growth guidance. Our growth was purposeful: anchored in first-time customers with guardrail-compliant borrowers, and the graduation of vintage CA Grameen customers into higher-value retail finance products. The share of retail finance has expanded meaningfully to 18.1% as of March 2026 end, up from 5.9% a year ago, a testament to the depth and loyalty within our 44 lakh customer base. We are building a rural-focused inclusive financing platform that accompanies the customer across their financial lifecycle journey. Starting with group-based microfinance, we are extending into individual business loans, mortgage-backed lending, and two-wheeler financing, all powered by the trust our brand has earned on the ground over the years."

The company announced 'Project Shakti', a transformation agenda aimed at building leadership in the inclusive finance space over the coming decade through a customer-centric approach. The initiative is designed to build a future-ready and more impactful institution, with focus on deepening market reach, strengthening household-level relationships, increasing customer wallet share, and enhancing people, technology, and AI capabilities. For FY27, management provided the following guidance:

Regulatory Disclosures

Pursuant to Regulation 47 of the SEBI (Listing Obligations & Disclosure Requirements) Regulations, 2015, CreditAccess Grameen published its audited financial results for the quarter and financial year ended March 31, 2026 in the Financial Express and Vishwavani (Kannada) newspapers on May 09, 2026. The disclosure was signed by Deepti Ramani, Company Secretary & Compliance Officer, and communicated to both BSE Limited and the National Stock Exchange of India Limited.

Additionally, pursuant to Regulation 30 read with Part A of Schedule III and Regulation 46 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the company informed the exchanges that the audio recording of the Q4 FY26 Results Conference Call, held on May 08, 2026, is available on the company's website at the investor relations section.

CreditAccess Grameen Limited has notified the stock exchanges of a structured European investor roadshow, comprising physical one-to-one meetings with 16 global institutional investors across Edinburgh, London, and Paris between May 11 and May 15, 2026. The intimation was filed pursuant to Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, read with Part A to Schedule III.

European Investor Roadshow Schedule

The five-day roadshow is spread across three cities, with all meetings conducted in physical format and scheduled in local time zones. The detailed schedule of investor meetings is as follows:

City-wise Breakdown

The roadshow begins in Edinburgh on May 11, 2026, with three back-to-back meetings with Skerryvore Asset Management, Aubrey Asset Management, and Martin Currie. The itinerary then moves to London on May 12, where four meetings are lined up with Wellington Asset Management, Hara Global Capital, Schroders, and Ashmore.

On May 13, the company transitions to Paris for meetings with Edmond de Rothschild Asset Management, Gemway Assets, and Stabiho Investment Partners. The roadshow returns to London on May 14 and May 15 for the final leg, covering Border to Coast Partnership, Liontrust Asset Management, Pictet Asset Management, T Rowe Price, DNB Asset Management, and Blackrock Investment.

Regulatory Disclosure

The intimation was signed by Deepti Ramani, Company Secretary and Compliance Officer of CreditAccess Grameen Limited, and filed on May 09, 2026. The disclosure was made to both BSE Limited and the National Stock Exchange of India Limited in accordance with applicable SEBI listing regulations. All meetings are classified as one-to-one and are being conducted in physical mode across the respective European cities.