CreditAccess Grameen Limited has announced its quarterly earnings conference call to discuss Q3FY26 financial results. The microfinance institution formally notified stock exchanges about the investor and analyst call scheduled for Tuesday, January 20, 2026, at 6:30 PM IST.

Regulatory Compliance and Communication

The company issued the announcement through a formal letter dated January 13, 2026, addressed to both BSE Limited and National Stock Exchange of India Limited. The communication was made pursuant to Regulation 30 read with Para A of Part A of Schedule III to the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Management Participation

The earnings call will feature senior leadership from CreditAccess Grameen, ensuring comprehensive coverage of the company's quarterly performance. The management team participating in the conference call includes key executives from various operational areas.

Conference Call Access Details

HDFC Securities Limited is hosting the earnings conference call, providing multiple access options for domestic and international participants. The call offers comprehensive connectivity through various dial-in numbers and registration processes.

Domestic Access Numbers:

• Universal Access: +91 22 6280 1458
• India-wide Access: +91 22 7115 8846

International Toll-Free Numbers:

• Hong Kong: 800964448
• Singapore: 8001012045
• UK: 08081011573
• USA: 18667462133

RSVP and Registration

Participants can register for the conference call through designated HDFC Securities contacts. The registration process includes options for Diamond Pass Registration, facilitating streamlined access for regular participants.

Contact Information:

• Deepak Shinde: deepak.shinde@hdfcsec.com , +91-22-6171-7323
• Krishnan ASV: venkata.krishnan@hdfcsec.com , +91-22-6171-7314

The formal announcement was signed by Deepti Ramani, Company Secretary & Compliance Officer, ensuring proper corporate governance protocols were followed in the communication process.

CreditAccess Grameen , a leading microfinance institution, has demonstrated a remarkable turnaround with its latest business update showing significant improvement in asset quality and renewed growth momentum. The company's December 2025 performance indicates strong recovery across all operating geographies, marking a decisive shift from earlier challenges.

Strong Asset Quality Recovery

The company achieved a dramatic improvement in asset quality metrics, with the Portfolio at Risk (PAR) 15+ accretion rate declining sharply to 0.18% in December 2025. This represents a substantial improvement from the elevated levels witnessed in previous quarters, demonstrating effective risk management and operational excellence.

Robust Business Growth

CreditAccess Grameen reported strong operational performance in Q3 FY26, with disbursements reaching ₹5,805 crore, representing a 26% month-on-month growth in December 2025. The company added 2.10 lakh new borrowers during the quarter, contributing to a total of approximately 6.50 lakh new borrowers added in the first nine months of FY26.

Geographic Performance Normalization

The company witnessed asset quality normalization across all operating geographies, with Karnataka emerging as one of the best-performing states. Karnataka's PAR 15+ accretion rate improved dramatically to 0.13% in December 2025, marking a return to its earlier strong asset quality trends. Other key states also showed significant improvement, with Tamil Nadu at 0.18%, Maharashtra at 0.22%, and Madhya Pradesh at 0.26%.

Strategic Expansion and Infrastructure

CreditAccess Grameen continued its strategic expansion with 165 new branches opened in the first nine months of FY26, including 15 branches added in Q3 FY26. The company maintained a stable employee base of 21,701 as of December 2025, ensuring operational continuity while managing costs effectively.

Write-offs and Portfolio Management

The company undertook write-offs of ₹259 crore (including accelerated write-offs) in Q3 FY26, reflecting its proactive approach to portfolio management. Despite these write-offs, the Gross Loan Portfolio (GLP) grew to ₹26,566 crore, with Karnataka contributing ₹7,989 crore and other states contributing ₹18,577 crore.

CreditAccess Grameen's December 2025 business update demonstrates the company's successful navigation through challenging market conditions. With asset quality normalization across geographies and renewed growth focus, the company appears well-positioned for sustainable growth in the microfinance sector. The strong recovery in Karnataka, combined with improved performance across all states, reinforces the company's operational resilience and strategic execution capabilities.