CreditAccess Grameen Ltd
CreditAccess Grameen Q2 FY26 earnings call: Revenue & Margins
Q2 FY26 earnings call: what management said on revenue, margins and fundraising.
The short version
CreditAccess Grameen Limited expects strong performance with growth guidance around 20%+ for FY'27. The company expects very strong performance in Q3/Q4 FY’26 compared to Q1/Q2, indicating growth momentum.
From CreditAccess Grameen Ltd's Q2 FY26 earnings-call transcript · updated 16 Oct 2026.
Revenue & Sales Performance
- CreditAccess Grameen Limited expects strong performance with growth guidance around 20%+ for FY'27.
- Microfinance (group loans) growth anticipated in early teens, while retail finance (individual loans, mortgage etc.) is expected to contribute significantly to overall growth.
- Retail finance share is projected to increase to about 15% of the portfolio by FY'27, driven by expansion into microfinance branches.
- New borrower additions currently at 70,000-75,000 per month, with plans to improve towards 1 lakh new customers monthly as ground conditions improve.
- Growth expected to be calibrated and disciplined, due to guardrails and higher rejection rates to maintain asset quality.
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Profitability & Margins
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Fundraising & Capital Structure
- During Q2 FY'26, CreditAccess Grameen Limited raised Rs. 3,519 crore in borrowings.
- The marginal cost of borrowing stood at 8.9% at the end of Q2 FY'26.
- Foreign borrowings constituted 23.7% of total borrowings, with a medium-term target of reaching 25–30% by FY’28.
- The company continues to maintain adequate liquidity with cash and cash equivalents at Rs. 2,176 crore (7.9% of total assets).
- There are existing sanctions in hand of Rs. 3,455 crore and an additional Rs. 6,260 crore worth of sanctions in the pipeline.
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Continue your research
What CreditAcc. Gram.'s management said in earlier quarters
- Q2 FY27 earnings call analysis →
- Q1 FY27 earnings call analysis →
- Q4 FY26 earnings call analysis →
- Q3 FY26 earnings call analysis →
- Q1 FY26 earnings call →
- Q4 FY25 earnings call →
- Q3 FY25 earnings call →
- Q2 FY25 earnings call →
- Q1 FY25 earnings call →
- Q4 FY24 earnings call →
- Q3 FY24 earnings call →
- Q2 FY24 earnings call →
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Frequently Asked Questions
What were CreditAccess Grameen Ltd Q2 FY26 results?
CreditAccess Grameen Limited expects strong performance with growth guidance around 20%+ for FY'27. The company expects very strong performance in Q3/Q4 FY’26 compared to Q1/Q2, indicating growth momentum.
What is CreditAccess Grameen Ltd share price analysis?
CreditAccess Grameen Ltd currently shows a neutral. The stock trades at a P/E of 16.4 with a market cap of ₹19,795 Cr. Investors should review the full earnings analysis for detailed insights.
Is CreditAccess Grameen Ltd planning capital expenditure?
The document does not explicitly mention any current or future capex, capital investment, or strategic investment plans for CreditAccess Grameen Limited as of October 28, 2025.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.