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CreditAcc. Gram.

Q2 FY27Finance

CreditAcc. Gram. Q2 Results 2026 (FY27) investor presentation: Revenue & Margins

Q2 FY27 investor presentation: what the company reported on revenue, margins and capex.

Price₹1,142
Market cap₹18.3K Cr
P/E15.2
Updated22 Oct 2026
Read3 min read

Based on CreditAcc. Gram.'s Q2 FY27 investor presentation. The company has not published an earnings-call transcript for this quarter, so figures here are what the investor presentation reports, not management guidance.

The short version

Q2 FY27 Revenue / Income & Volume Figures: - Interest Income: INR 1,800.6 Cr (YoY +27.3%) - Interest on Loans: INR 1,777.1 Cr (YoY +27.2%) - Income from Direct Assignment: INR 30.2 Cr (YoY The presentation reports for Q2 FY27: - Operating Profit Before Provisions (PPOP, akin to EBITDA): INR 970 Cr, a 39.6% YoY increase from INR 695 Cr in Q2 FY26.

From CreditAcc. Gram.'s Q2 FY27 earnings-call transcript · updated 22 Oct 2026.

Revenue & Sales Performance

  • Q2 FY27 Revenue / Income & Volume Figures:
  • Interest Income: INR 1,800.6 Cr (YoY +27.3%)
  • Interest on Loans: INR 1,777.1 Cr (YoY +27.2%)
  • Income from Direct Assignment: INR 30.2 Cr (YoY -27.0%)
  • Total Net Income: INR 1,351.8 Cr (YoY +31.3%)
  • NII (Net Interest Income): INR 1,278 Cr (YoY +30.9%)
  • Disbursements: INR 6,355 Cr (YoY +19.4%)
  • AUM (Assets Under Management): INR 30,946 Cr (YoY +19.5%)
  • Borrowers: 44.98 lakh (YoY +1.3%)
  • Explicit Outlook / Guidance for FY27:
  • AUM Growth: 20.0% - 25.0% (No change)
  • NIM: 14.4% - 14.7% (Revised upward from 12.8%-13.2%)
  • Cost-to-Income Ratio: 29.0% - 30.0% (Reduced from 33.0%-35.0%)
  • Credit Cost: 3.0% - 4.0% (No change)

2 more points from CreditAcc. Gram.'s call on revenue

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Profitability & Margins

  • The presentation reports for Q2 FY27:
  • Operating Profit Before Provisions (PPOP, akin to EBITDA): INR 970 Cr, a 39.6% YoY increase from INR 695 Cr in Q2 FY26.
  • Profit After Tax (PAT): INR 502 Cr, a 298.7% YoY increase from INR 126 Cr in Q2 FY26.
  • No explicit operating margin percentage is stated directly; however, the Cost/Income Ratio improved to 28.2% from 32.5% YoY, implying better operating efficiency.
  • Margin outlook from FY27 Revised Guidance includes:
  • NIM (Net Interest Margin) in the range of 14.4% - 14.7%, up from 12.8% - 13.2% previously.

2 more points from CreditAcc. Gram.'s call on margins

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Capital Expenditure Plans

The investor presentation for CreditAccess Grameen Limited does not describe any capex, capacity expansion, new plant, or project investments with amounts, status, or timelines. The content largely focuses on financial performance, strategic vision (Project “Shakti”), technology enablement, liability management, customer acquisition, operational discipline, and shareholder information. There are no mentions of capital expenditure plans or physical capacity expansions within the provided pages.

Top-ranked in Finance

Ranked on what management guided this quarter

Guidance-ranked
1Mufin Green
Rev 1Mar 1
2Akiko
Rev 1Mar 1
3
Rev 1Mar 2
4
Rev 1Mar 3
5
Rev 1Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

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What CreditAcc. Gram.'s management said in earlier quarters

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Frequently Asked Questions

What were CreditAcc. Gram. Q2 FY27 results?

Q2 FY27 Revenue / Income & Volume Figures: - Interest Income: INR 1,800.6 Cr (YoY +27.3%) - Interest on Loans: INR 1,777.1 Cr (YoY +27.2%) - Income from Direct Assignment: INR 30.2 Cr (YoY The presentation reports for Q2 FY27: - Operating Profit Before Provisions (PPOP, akin to EBITDA): INR 970 Cr, a 39.6% YoY increase from INR 695 Cr in Q2 FY26.

What is CreditAcc. Gram. share price analysis?

CreditAcc. Gram. currently shows a neutral. The stock trades at a P/E of 15.2 with a market cap of ₹18,340 Cr. Investors should review the full earnings analysis for detailed insights.

Is CreditAcc. Gram. planning capital expenditure?

The investor presentation for CreditAccess Grameen Limited does not describe any capex, capacity expansion, new plant, or project investments with amounts, status, or timelines.

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This analysis is AI-generated based on publicly available earnings data and the company's investor presentation. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.