CREDIT ACCESS GRAMEEN Results Analysis-Q4FY26

Interest Earned for Q4FY26 is Rs. 1,525 Crs., 12.64% growth YoY, Net Interest Income is Rs. 1,047 Crs., 19.5% growth YoY, Total Income is Rs. 1,599 Crs., 13.56% growth YoY, Pre-Provisioning Operating Profit is Rs. 780 Crs., 23.08% growth YoY, PBT is Rs. 445 Crs., 771.18% growth YoY, PAT is Rs. 340 Crs., 619.23% growth YoY. For Q4FY26 Gross NPA 3.17% vs 4.76% in Q4FY25. Return on Assets is 4.4% which was 0.70% in Q4FY25, Return on Equity is 17.80% which was 2.70% in Q4FY25, Net Interest Margin is 14.2% which was 12.7% in Q4FY25. Total AUM as on 31st March, 2026 is Rs. 29,590 Crs. Which improved by 14.04% on YoY. On QoQ basis Interest Earned has 6.3% growth, Net Interest Income has 7.35% growth, Total Income grown by 7.19%, Pre-Provisioning Operating Profit has 14.67% growth, PBT grown by 31.69%, PAT is grown by 34.69%. Management framed Q4 FY26 as “a decisive inflection” with recovery visible across growth, profitability, and asset quality. Retail finance AUM share rose to 18.1% (Mar’26) vs 5.9% (Mar’25); management targets ~24–25% by FY27 end.