CreditAccess Grameen Q2 FY27: Consolidated income Rs 1,904.80 cr; PAT Rs 501.57 cr
For Q2 FY27, CreditAccess Grameen’s consolidated total income was Rs 1,904.80 cr and profit after tax Rs 501.57 cr, versus Rs 1,509.02 cr and Rs 125.81 cr a year earlier.
Key takeaways
- Total income Rs 1,904.80 cr vs Rs 1,509.02 cr in Q2 FY26 (consolidated).
- Total revenue from operations Rs 1,903.74 cr vs Rs 1,508.35 cr a year earlier.
- PAT Rs 501.57 cr vs Rs 125.81 cr in the quarter ended 30-Sep-25.
- Total expenses Rs 1,233.85 cr vs Rs 1,339.86 cr in the year-ago quarter.
- Basic EPS Rs 31.27 vs Rs 7.87; diluted EPS Rs 31.12 vs Rs 7.83 in Q2 FY26.
Q2 FY27 · consolidated
| Metric | Sep 2026 | Sep 2025 | Change |
|---|---|---|---|
| Revenue | Rs 1,903.74 cr | Rs 1,508.35 cr | +26.2% |
| PAT | Rs 501.57 cr | Rs 125.81 cr | +298.6% |
As reported in the filing. Figures are transcribed, not computed.
What the numbers show
- Net margin was 26.35% of revenue, against 8.34% a year earlier.
- Revenue rose 26.2% while total expenses fell 7.9%.
• Total income (consolidated, Q2 FY27): Rs 1,904.80 cr, up from Rs 1,509.02 cr in the quarter ended 30-Sep-25 (statement of unaudited consolidated financial results).
• Total revenue from operations: Rs 1,903.74 cr, up from Rs 1,508.35 cr a year earlier.
• Finance costs: Rs 553.04 cr, compared with Rs 479.52 cr in the quarter ended 30-Sep-25.
• Impairment on financial instruments: Rs 299.23 cr, down from Rs 525.67 cr in the corresponding quarter of the previous year.
• Employee benefit expenses: Rs 254.48 cr, versus Rs 219.32 cr a year ago.
• Depreciation and amortisation expenses: Rs 16.66 cr, compared with Rs 15.80 cr in the quarter ended 30-Sep-25.
• Other expenses: Rs 109.44 cr, versus Rs 99.01 cr in the year-ago quarter.
• Total expenses: Rs 1,233.85 cr, compared with Rs 1,339.86 cr in the quarter ended 30-Sep-25.
• Profit before tax (PBT): Rs 670.95 cr, up from Rs 169.16 cr in the corresponding quarter of the previous year.
• Total tax expense: Rs 169.38 cr, versus Rs 43.35 cr a year earlier.
• Profit after tax (PAT): Rs 501.57 cr, compared with Rs 125.81 cr in the quarter ended 30-Sep-25.
• Basic EPS (face value Rs 10): Rs 31.27, versus Rs 7.87 in the year-ago quarter.
• Diluted EPS (face value Rs 10): Rs 31.12, compared with Rs 7.83 a year earlier.
For the quarter ended 30-Sep-26, the consolidated statement of financial results shows that total revenue from operations rose to Rs 1,903.74 cr from Rs 1,508.35 cr in the corresponding quarter of the previous year, driven primarily by higher interest income of Rs 1,800.64 cr versus Rs 1,414.13 cr. Other income was Rs 1.06 cr, up from Rs 0.67 cr, taking total income to Rs 1,904.80 cr against Rs 1,509.02 cr a year earlier.
On the cost side, finance costs increased to Rs 553.04 cr from Rs 479.52 cr, and employee benefit expenses rose to Rs 254.48 cr from Rs 219.32 cr. Impairment on financial instruments declined to Rs 299.23 cr from Rs 525.67 cr in the corresponding quarter. Total expenses were Rs 1,233.85 cr, compared with Rs 1,339.86 cr in the quarter ended 30-Sep-25.
As a result, profit before tax improved to Rs 670.95 cr from Rs 169.16 cr a year earlier. After a total tax expense of Rs 169.38 cr (versus Rs 43.35 cr in the prior-year quarter), profit for the period stood at Rs 501.57 cr, up from Rs 125.81 cr. Basic EPS for the quarter was Rs 31.27 and diluted EPS was Rs 31.12, compared with Rs 7.87 and Rs 7.83 respectively in the corresponding quarter of the previous year, as per the statement of unaudited consolidated financial results.
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