CREDIT ACCESS GRAMIN Results Analysis-Q1FY27

Interest Earned for Q1FY27 is Rs. 1,714 Crs., 23.48% growth YoY, Net Interest Income is Rs. 1,164 Crs., 28.49% growth YoY, Total Income is Rs. 1,784 Crs., 21.92% growth YoY, Pre-Provisioning Operating Profit is Rs. 873 Crs., 33.62% growth YoY, PBT is Rs. 660 Crs., 713.65% growth YoY, Net profit is Rs. 493 Crs., 719.72% growth YoY. On QoQ basis Interest Earned is up by 12.37%, Net Interest Income is up by 11.14%, Total Income is up by 11.62%, Pre-Provisioning Operating Profit is up by 11.82%, PBT is up by 48.32%, PAT is also up by 45.31%. For Q1FY27 Gross NPA 2.18% vs 4.7% in Q1FY26. Return on Assets is 5.9% improved by 500 BPS YoY, However Return on Equity is 24.9% declined by 60 BPS YoY. NIM: 14.4% improved by 160 BPS YoY (drivers: improving yields, lower reversals, stable borrowing costs). Total Loan AUM is Rs. 30,319 Cr. as on 30th June, 2026, 16.37% Growth YoY. one of the strongest Q1 in the history of the company,” driven by robust AUM growth, normalized asset quality, and high profitability. Management highlighted continued improvement across delinquency buckets and “PAR accretion trends remain well within the normalized range.”