Microfinance Institution CreditAccess Grameen announced Q2FY26 results Financial Highlights: Total income improved sequentially to Rs 1,509.0 crore. Pre-provision operating profit (PPOP) improved sequentially to Rs 694.8 crore. Profit Before Tax (PBT) improved sequentially by 108.5% from Rs 81.1 crore to Rs 169.2 crore. Profit After Tax (PAT) improved sequentially by 109.0% from Rs 60.2 crore to Rs 125.8 crore, resulting in RoA of 1.8% and RoE of 7.1%. Declining new PAR accretion led to sequential reduction in credit cost at Rs 525.7 crore. GNPA / NNPA predominantly measured at 60+ dpd was 3.65% / 1.26%, with PAR 90+ of 2.50%. Robust liquidity of Rs 2,175.5 crore of cash, cash equivalents, and investments, 7.9% of the total assets. Healthy capital position with a CRAR of 26.1%. Credit Rating: AA-/Stable by CRISIL, ICRA & India Ratings. Business Highlights: AUM increased 3.1% YoY from Rs 25,133 crore to Rs 25,904 crore. Disbursements increased by 32.9% YoY from Rs 4,004 crore to Rs 5,322 crore. Healthy new borrower addition of 2.20 lakh with 39% being New-to-Credit (NTC). Portfolio share of unique borrowers up from 36% in Q1FY26 to 41% in Q2FY26. PAR 0+ decreased from 5.9% in Q1FY26 to 4.7% in Q2FY26. Branch network grew by 8.8% YoY from 2,031 to 2,209 branches. Employee base grew by 10.9% YoY from 19,562 to 21,701. Collection Efficiency (incl. arrears) of 94.9% in Sep-25, improved from 94.1% in Jun-25. Retail Finance portfolio crosses Rs 2,500 crore mark, reflecting our customer-centric approach. Ganesh Narayanan, Managing Director & Chief Executive Officer, CreditAccess Grameen, said: "We reported an improved second-quarter performance, reflecting consistent business momentum. Despite the seasonally weaker nature of the second quarter, the outcome built on the strong trajectory established in Q1FY26, demonstrates the underlying strength of our business. We continue to add a healthy proportion of new-to-credit customers each quarter, resulting in the portfolio share of unique borrowers rising to 41%. Our employee base grew from 21,333 in Jun-25 to 21,701 in Sep-25 with annualised attrition rate of 28.9% in Q2FY26. Employee engagement and morale remain strong as we continue to drive steady growth, while maintaining a consistent focus on asset quality and profitability. We delivered a PAT of Rs 126 crore in Q2FY26, leading to ROA of 1.8% and ROE of 7.1%. The past few quarters clearly show that the industry has navigated challenges with remarkable resilience and discipline. We remain at the forefront of this upward trajectory, creating sustainable value for all stakeholders while reinforcing confidence in sector’s long-term strength.” Result PDF