CREDITACCESSGRAMEEN / Q4-FY26 / claim-ledger

Audit the questions that mattered.

CreditAccess Grameen · Analyst questions, management answers, and the quality of the response where the ledger is available.

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PositiveQ4-FY26 · 2026-05-15Back to quarter ↗

Questions audited

Answered directly

88%

Numeric claims

Consistency

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Question ledger

What was answered, and how?

Abijital · Mot

direct

Is NMI moving towards individual loans without group safety net?

Individual finance to graduate micros customers is a clear way to progress... roughly around 6 to 8% of our customer base we should be able to target convert to retail finance customers... micro finance will continue to be as an entry point.

Abijital · Mot

partial

Why such a wide credit cost guidance band of 3-4%?

We have implemented a new ECL model... stage one ECL has gone up to 1.65%... we need to keep certain room to factor in certain microeconomic effects... that is the reason why we have kept a broader range.

Abijital · Mot

direct

Are customers more resilient given rural exposure?

Typically we have seen our customers segment specifically to be more resilient but we'll have to see what happens in case of prolonged disruptions... we have built a cushion around it.

Aravind Ravi Chandran · Sundam alternates

partial

Does guidance include bond market volatility and is credit cost guidance conservative?

The model takes care of it... we've reached the bottom of cost of borrowing reduction... we have kept a wider range... we went through an elevated credit cost period and then corrected sharply in the last quarter.

Shipal Dushi · Equirus

direct

Have you taken any rate hike in microfinance in last quarter?

No, we've not taken any rate hike in the last quarter.

Shipal Dushi · Equirus

direct

Why has IBL ticket size dropped from 142K to 93K?

Individual loans are practiced in two models... unati with average ticket size around 1.7 lakhs... uni live with lower ticket size... that is why you're seeing a taper down.

Shipal Dushi · Equirus

direct

How are you selecting geographies for retail portfolio expansion?

Our retail products are today at least three years vintage... we didn't go to our core markets specific districts we got them piloted and once assumptions were proven we scaled up.

Rajiv Ma · Yes Security Securities

partial

Is the 38 crore additional provision for West Asia crisis sitting in stage one? Will it become usual?

We formed an ECL committee... every quarter this committee will convene... unless there is significant data points to look at a reduction but that takes a longer period to move back.

Rajiv Ma · Yes Security Securities

direct

What is the implied growth for core group loan MFI?

Our assumption is around 10 to 12%.

Rajiv Ma · Yes Security Securities

direct

Why is NIM guidance midpoint lower than exit NIM?

On a year-on-year basis we do see the credit cost will be trending downwards and to that extent there will be certain pricing which needs to be passed on to the customer... we are budgeting lower NIMs because credit cost will also be lower.

Shri Shivani · Namura

direct

Is long-term CAGR target 20-25% over 10 years?

Right now we've assumed a growth rate of at least 20% plus. On a basis. Yes.

Chintan Sha · IC securities

direct

What is the growth differential between MFI and non-MFI portfolio?

Micro finance growth being in the range of 10 to 12% and the rest of the growth will come from the non-MFI... from a yield perspective micro and non-micro are very close to each other.