Credit Access Results Analysis-Q3FY26

Interest Earned for Q3FY26 is Rs. 1,435 Crs., 7.28% growth YoY, Net Interest Income is Rs. 976 Crs., 13.08% growth YoY, Total Net Income is Rs. 1,032 Crs., 13.77% growth YoY, Pre-Provisioning Operating Profit is Rs. 681 Crs., 9.24% growth YoY, PBT is Rs. 338 Crs. from loss of Rs. 129 Crores YoY, Net profit is Rs. 252 Crs., from loss of Rs. 100 Crores YoY (which includes 18 Cr. one-time impact of New Labour Code). For Q3FY26 Gross NPA 4.04% vs 3.99% in Q3FY25. Return on Assets is 3.5% improved by 170 BPS on QoQ basis, Return on Equity is 13.8% improved by 670 BPS on QoQ basis, Closing Gross Loan Portfolio as on Q3FY26 is Rs. 26,566 Crs., 2.56% growth QoQ. On QoQ basis Interest Earned has achieved 1.47% growth, Net Interest Income has grown by 4.39%, Net Interest Margin is 13.9% improved by 60 BPS on QoQ basis, Total Net Income growth is flat, Pre-Provisioning Operating Profit has Negative growth by 2.06%, PBT grown by 99.76% and PAT growth is 100.37% ((which includes 18 Cr. one-time impact of New Labour Code). Sequential portfolio growth driven by healthy disbursements (13.4% YoY) 2.06 Lakh new borrowers added, 39% being new-to-credit Robust Business Outlook & Improving Return Ratios Underpinned By 1) Strong Business Momentum, 2) Normalised Asset Quality Trend, 3) Improved Operating Profits, & 4) Strong Balance Sheet.