CreditAccess Grameen shares jump 11% after announcing its Q3 results; Check the details

Synopsis: CreditAccess Grameen Ltd shares jumped 11% after the NBFC reported a sharp turnaround, posting a Rs 252 crore profit in Q3 FY26 compared to about a Rs 100 crore loss in Q3 FY25, aided by improving asset quality, rising disbursements, and strong borrower growth momentum.

The shares of this company, which is registered as a non-deposit-accepting NBFC microfinance institution with the RBI and is engaged in providing microfinance services to women who are enrolled as members and organised as Joint Liability Groups and also uses its distribution channel to provide certain other financial products and services to the members, had its shares in momentum after the NBFC reported a profitable quarter YoY.

With the market cap of Rs 21,505 crore, the shares of CreditAccess Grameen Ltd have gained about 11% and reached a high at Rs 1,375.7, compared to their previous day’s closing price of Rs 1,242.6, and are trading at a PE of 44.8, whereas their industry PE is 25. 4. The shares have given a return of over 40% in a year. 

Q3 FY26 Result highlights 

The net interest income for the company stood at Rs 977 crore when compared to Rs 862 crore in Q3 FY25, up by about 13.4 per cent on a YoY basis, and on a QoQ basis was the same at Rs 976 crore in Q2 FY26.

When it comes to profitability, the company has gone from a Rs 99.5 crore loss in Q3 FY25 to a Rs 252 crore profit in Q3 FY26 and from Rs 126 crore in Q2 FY26, up about 100% QoQ. 

The Q3 FY26 highlights mark strong and improving quality of growth. The AUM grew 7.1% YoY to Rs 26,566 crore, driven by a 13.4% YoY jump in disbursements to Rs 5,767 crore. The borrower base is healthy, with 2.06 lakh new borrowers, of which 39% belong to the new-to-credit (NTC) category, signifying sustained outreach to the underbanked. The steadily increasing base of unique borrowers to 43% (up from 41%) also signifies an expanding and increasingly diversified base.

There has been improvement in operating efficiency and quality of assets during the period. PAR 0+ (Portfolio at Risk 0) is a microfinance/NBFC asset-quality metric that measures the percentage of the loan portfolio where even a single instalment is overdue and has shown a significant reduction to 4.4% from 4.7% in the last quarter, reflecting normal functioning in the recovery process. The branch network has grown to 2,222, whereas the number of employees has shown an increase of 12.2% from last year. The efficiency level in the recovery process has also shown improvement to 95.5% in Dec-25, whereas the share of retail finance has grown to 14.1%, reflecting the increasing variation in the loan base.

The management commentary highlight states, “CreditAccess Grameen reported a strong Q3 performance, marked by sharp improvement in asset quality and a return to growth momentum. PAR 15+ accretion fell to 18 bps in Dec-25 from 47 bps in Sep-25, with Karnataka normalising to historical levels. Borrower addition remained strong, with 2.1 lakh added in Q3 FY26. PAT doubled QoQ to ₹252 crore, delivering RoA of 3.5% and RoE of 13.8%, positioning the company for sustainable, quality-led growth ahead.”

About the company 

CreditAccess Grameen Limited is one of the leading Indian microfinance organisations headquartered in Bengaluru, focused on providing microloans to women customers in rural India. The company provides services through a network of 2,222 operational branches across 450 districts in 16 states and one Union Territory, giving it deep geographic diversification and strong last-mile reach. With the support of its promoter, CreditAccess India BV, and institutional investors, besides more than a decade of micro-lending experience in India, the scale, operational maturity, and strong governance the company enjoys place it in good stead for sustainable growth in the financial inclusion space.

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