Interim Business Update: AUM at INR 30,946 Cr, disbursements up 19.4%, PAR 90+ down to 1.1%

Interim Business Update for September 2026 shared by CreditAccess Grameen.

Mon 5 Oct 2026

AUM

INR 30,946 Cr in Sep-26, up 19.5% YoY

Q2 FY27 Disbursements

INR 6,355 Cr, up 19.4% YoY

New Borrowers Added

2.3 Lakh new borrowers added in Q2 FY27

PAR 90+

eased to 1.1% from 1.5% in Jun-26

X-Bucket CE

99.71% in Sep-26

CreditAccess Grameen's interim business update for September 2026 describes how the rural-focused lender's loan book, disbursements and loan repayment quality moved in the quarter.

Business momentum

• AUM, or assets under management (the total loan book), stood at INR 30,946 Cr in Sep-26, against INR 30,319 Cr in Jun-26 and INR 25,904 Cr in Sep-25. That is a year-on-year rise of 19.5%.
• Disbursements in Q2 FY27 were INR 6,355 Cr, up 19.4% from INR 5,322 Cr in Q2 FY26, and higher than INR 6,107 Cr in Q1 FY27.
• Borrower additions were 2.3 Lakh in Q2 FY27, compared with 2.2 Lakh in Q2 FY26 and 2.5 Lakh in Q1 FY27.
• The branch network expanded to 2,326, from 2,276 in Jun-26 and 2,209 in Sep-25.
• The rural-focused (RF) share of the book rose to 23% in Sep-26 from 21% in Jun-26 and 11% in Sep-25. RF AUM was INR 7,200 Cr, against INR 6,258 Cr in Q1 FY27.
• The secured book grew 18% quarter-on-quarter to INR 695 Cr, and 2-wheeler AUM crossed INR 60 Cr, against INR 20 Cr in Q1 FY27.

Asset quality

• PAR (portfolio at risk, the share of the book where repayments are overdue) 0+ was 2.1% in Sep-26 versus 2.2% in Jun-26. PAR 30+ was 1.6% versus 1.9%, PAR 60+ 1.3% versus 1.6%, and PAR 90+ 1.1% versus 1.5%.
• The update states the PAR buckets are at their lowest levels over the past 10 quarters, and that the asset quality trend is back to pre-crisis levels.
• Among the top five states in Sep-26, PAR 0+ / PAR 90+ stood at: Karnataka 1.9% / 1.1%, Maharashtra 2.1% / 1.1%, Tamil Nadu 2.1% / 1.2%, Madhya Pradesh 3.1% / 1.6% and Bihar 2.7% / 1.4%.
• The monthly PAR 15+ accretion rate was 0.26% in Sep-26, within a series that moved from 0.20% in Apr-24 to 0.91% in Sep-24, 0.95% in Dec-24 and 0.07% in Mar-26.
• The company attributes a minor increase in the monthly PAR accretion rate to excess rainfall and heavy flooding in Aug-26 / Sep-26 across certain regions in Bihar, Uttar Pradesh, Chhattisgarh and Madhya Pradesh, and to seasonal festivities in a few operating geographies.
• X-Bucket collection efficiency (CE) continued to remain strong at 99.71% in Sep-26.
• H1 FY27 asset quality performance remains within the guided range, according to the update.

What the update shows

• A larger loan book, higher disbursements and lower PAR levels than the preceding quarter, with growth in the rural-focused and secured parts of the book.
• A quarter described as seasonally weaker in which borrower additions were 2.3 Lakh and the company added branches.
• One month's PAR accretion rate moved up, which the company links to weather-related disruption and the festive season, while collection efficiency and the PAR buckets are shown as improving over the quarter.

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