CreditAccess Grameen Limited has announced the availability of the audio recording from its Q3 FY26 results conference call, providing investors and stakeholders with access to management discussions on the company's quarterly performance. The announcement was made on January 20, 2026, following the completion of the earnings call held on the same day.

Regulatory Compliance and Disclosure

The company has made this disclosure in accordance with regulatory requirements under SEBI guidelines. The announcement complies with Regulation 30 read with Part A of Schedule III and Regulation 46 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Investor Access and Transparency

The audio recording has been made available on the company's official website in the investors section, specifically under the financials and investor presentations category. This initiative demonstrates the company's commitment to maintaining transparency with its stakeholders and ensuring easy access to important financial communications.

Investors can access the recording through the company's dedicated earnings call section, which serves as a repository for such investor-focused content. The availability of this recording allows stakeholders who may have missed the live session to review management commentary and responses to analyst queries.

Corporate Communication

The formal communication to stock exchanges was signed by Deepti Ramani, Company Secretary & Compliance Officer, ensuring proper authorization and compliance with corporate governance standards. The disclosure was simultaneously sent to both BSE Limited and National Stock Exchange of India Limited, maintaining transparency across all trading platforms where the company's shares are listed.

CreditAccess Grameen Limited has delivered a remarkable turnaround in its third quarter FY26 performance, reporting exceptional growth across key financial metrics. The microfinance company's Board of Directors approved the quarterly results on January 20, 2026, showcasing a strong recovery from the previous year's challenges.

Financial Performance Highlights

The company's financial performance demonstrated significant improvement across all major parameters. The transformation from losses to substantial profits reflects the company's operational efficiency and market recovery.

Operational Efficiency and Cost Management

The company's operational metrics showed substantial improvement, particularly in asset quality and provisioning. Total expenses decreased to ₹1,153.39 crore from ₹1,510.86 crore in the corresponding quarter of the previous year, representing a significant 23.65% reduction.

Impairment on financial instruments declined dramatically to ₹342.57 crore from ₹751.86 crore year-on-year, indicating improved asset quality and collection efficiency. Finance costs also decreased to ₹459.34 crore compared to ₹474.87 crore in Q3FY25, demonstrating better cost of funds management.

Nine-Month Performance Analysis

For the nine months ended December 31, 2025, CreditAccess Grameen maintained strong performance momentum with consistent profitability and growth.

Employee Stock Option Plan Approval

The Board approved the grant of 9,12,500 stock options to eligible employees under the CAGL Employees Stock Option Plan – 2011. The exercise price has been set at ₹1,344.97 based on the daily average market price during the three months prior to the grant month.

Asset Quality and Regulatory Metrics

The company maintained strong regulatory compliance with robust capital adequacy and asset quality indicators. The Capital to Risk-Weighted Assets Ratio (CRAR) stood at 26.44%, well above regulatory requirements. Gross Stage III assets were contained at 4.04% with a provision coverage ratio of 67.22%.

The Liquidity Coverage Ratio (LCR) for Q3FY26 was reported at 195.89%, indicating strong liquidity management. The debt-equity ratio of 2.79 reflects a balanced capital structure for the NBFC's operations.

Business Segment and Geographic Focus

CreditAccess Grameen operates in a single business segment focused on lending to borrowers with similar risk profiles. The company maintains its geographic concentration in the domestic Indian market, serving microfinance and retail finance customers through its GrameenKoota brand.

During the quarter, the company allotted 2,01,381 equity shares upon exercise of employee stock options, compared to 1,08,978 shares in the corresponding quarter of the previous year. For the nine-month period, 3,60,383 shares were allotted against option exercises.

Source: CreditAccess Grameen Limited