CreditAccess Grameen Shares Decline Over 2% After Q2 Profit Falls 32% YoY

October 29, 2025, Mumbai- The shares of Credit Access Grameen Ltd dropped over 2% to ₹1,445.50 in early trading on Wednesday after the microfinance lender reported a major decline in quarterly profits.

CreditAccess Grameen Ltd, listed on NSE and BSE since August 2018, is one of India’s leading microfinance institutions serving low-income women entrepreneurs through joint-liability group lending models. The company is part of the Nifty Smallcap 250 index and has a market capitalization of ₹23,113 crore.

Financial History of the Company

The company’s consolidated net profit dropped 32.4% year-on-year to ₹125.8 crore for the quarter ended September 2025, compared with ₹186 crore in the same period last year. However, net interest income (NII) rose 6.2% YoY to ₹1,028.8 crore from ₹968.7 crore, supported by steady loan disbursements and portfolio growth.

Market Snapshot and Stock Movement

At 12:51 IST, the stock of CreditAccess Grameen was trading at ₹1,392, down ₹85.10 or 5.76% after opening lower at ₹1,384.10. The counter recorded a day’s high of ₹₹1,460 and a low of ₹1,370 so far. The share opened at ₹1,384.10 and has a market cap of 23,620.90 Cr. The 52-week high and low were recorded at ₹1,490.10 and ₹750.20, respectively.

Outlook

The reduction in the profitability of CreditAccess Grameen in the second quarter has indicated pressure on the margins even though there was consistent growth in loans. Although NII growth has been used as an indicator of operational resilience, investors are still wary of profitability and short-term issues of dealing with the cost of credit and the ability to sustain the earnings momentum.

REF: https://nsearchives.nseindia.com/corporate/CREDITACC_28102025192826_PressRelease.pdf

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