CreditAccess Grameen targets 20-25% AUM growth in FY27

FY27 ROA guidance increased to 5.2%-5.8%, ROE to 21.0%-24.0%. Growth Targets: AUM growth guidance maintained at 20%-25% for FY27. Strategic Focus: Accelerating customer acquisition with target of 100,000+ new borrowers monthly in H2 FY27. Borrowing Costs: Average borrowing cost expected between 9.2%-9.3% for remainder of FY27. Challenges: Environmental impacts increased PAR temporarily; regulatory risks from insurance commission changes expected to affect ROA by 25-30 bps. Large PAT uplift (299% YoY) shows strong operating leverage and material earnings recovery versus prior year. AUM growth near 19.5% YoY with management targeting 20–25% implies continued scale-driven revenue growth potential. Management raised margins (NIM guidance 14.4–14.7%) and lowered cost-to-income guidance, implying higher core profitability ahead.