CreditAccess Grameen Limited has released its Investor Presentation for the third quarter ended December 31, 2025. The presentation, dated January 20, 2026, is available on the company's website. The presentation details key business highlights, asset quality, financial results, liability strategy, and investment rationale. It showcases improved business momentum with sequential portfolio growth driven by healthy disbursements of ₹5,767 crore, a 13.4% year-on-year increase. The company added 2.06 lakh new borrowers, with 39% being new-to-credit. Retail Finance (RF) GLP share increased to 14.1% of the total portfolio. The company has demonstrated alignment with MFI guardrails, significantly reducing the percentage of borrowers with more than 3 lenders and those with unsecured indebtedness exceeding ₹2 lakh. Asset quality is normalizing, with a consistent reduction in quarterly credit costs, falling from ₹572 crore in Q1 FY26 to ₹343 crore in Q3 FY26. The company expects a robust business outlook underpinned by strong momentum, normalized asset quality, improved operating profits, and a strong balance sheet. Key financial metrics for Q3 FY26 include Net Interest Income (NII) of ₹977 crore, Profit Before Provisioning (PPOP) of ₹680 crore (adjusted ₹699 crore), and Profit After Tax (PAT) of ₹252 crore (adjusted ₹266 crore). The Net Interest Margin (NIM) stood at 13.9%, and Return on Assets (ROA) was 3.5% (adjusted 3.7%). The Capital to Risk-Weighted Assets Ratio (CRAR) was 26.4% (Tier 1: 25.8%).
