The update comes at a time when investors are closely tracking whether the microfinance sector is emerging from the asset-quality stress seen over the past year.
The microfinance lender added 2.5 lakh borrowers during the quarter, marking a 17.5% increase from 2.2 lakh borrower additions recorded in the corresponding quarter last year.
The company’s gross loan portfolio (GLP) stood at ₹30,319 crore as of June 2026, up 16.4% from ₹26,055 crore a year earlier. The ₹30,000-crore milestone underlines the company’s continued expansion despite a challenging environment for the microfinance industry. The retail finance share in the portfolio increased to 21% in June 2026 from 7% in June 2025. The sharp increase suggests the company is steadily diversifying beyond its traditional joint-liability group lending business.
CreditAccess Grameen expanded its branch network to 2,276 branches as of June 2026, compared with 2,114 branches a year earlier, reflecting a 7.7% year-on-year increase.
The company also reported an improvement in asset quality during the quarter. Asset quality has been the biggest concern for investors in the microfinance sector following a rise in delinquencies across the industry over the past year. PAR 0+ improved to 2.2% in June 2026 from 3.0% in March 2026, while PAR 30+ declined to 1.9% from 2.7%. PAR 60+ improved to 1.6% from 2.5%, and PAR 90+ eased to 1.5% from 2.3% over the same period. A decline in PAR (Portfolio at Risk) indicates fewer borrowers are falling behind on repayments, generally a positive sign for lenders.
Monthly PAR 15+ accretion continued its declining trend and stood at 0.16% in June 2026. The company reported an X-Bucket collection efficiency of 99.68% for June 2026. The combination of improving collections and lower overdue loans points to a gradual normalisation in the company’s loan book.
CreditAccess Grameen said the operational figures are provisional and remain subject to a limited review by the joint statutory auditors and approval by the audit committee and board of directors.
Shares of CreditAccess Grameen closed at ₹1,557, up 0.89%, on the NSE on Friday.
First Published: Jul 3, 2026 9:06 PM IST
