CREDITACCESS GRAMEEN Q4 Results 2026: Date, Revenue, PAT and Analyst Outlook

Tue Apr 14 2026

CREDITACCESS GRAMEEN (NSE: CREDITACC) is scheduled to declare its Q4 FY26 results on Apr 28, 2026, when the board of directors will approve the audited financial statements for the January–March 2026 quarter and the full year FY2025–26. The stock trades at Rs 820 as of April 2026 — down -44% from its 52-week high of Rs 1,480 — making this a closely watched quarter for investors assessing whether the correction represents opportunity or ongoing fundamental pressure.

This Q4 FY26 results preview for CREDITACCESS GRAMEEN covers the confirmed results date, analyst consensus estimates, five key performance factors, five risks to monitor, analyst ratings, and the complete share price outlook. Q4 FY26 is particularly significant as it delivers the full-year FY26 results alongside the first management commentary on FY27 business outlook.

Get free investment predictions from SEBI-registered analysts on Univest.

Table of Contents

CREDITACCESS GRAMEEN Q4 Results 2026 Date

The CREDITACCESS GRAMEEN Q4 FY26 results date is Apr 28, 2026. The board of directors meeting will approve the quarter and full-year FY26 financial results, consider a final dividend recommendation for FY26, and provide management guidance for FY27.

Company	Q4 Results Date	Key Metric to Watch
[object Object]	April 9, 2026 (Declared)	FY27 CC guidance + deal TCV
[object Object]	April 23, 2026	CC revenue growth guidance
Bharti Airtel	April 29, 2026	ARPU + 5G subscribers
Dr. Lal Path Labs	May 8, 2026	Test volume + EBITDA margin
CREDITACCESS GRAMEEN	Apr 28, 2026	See estimates below

Why Q4 FY26 Matters

Q4 (January–March 2026) is the final quarter of FY2025–26 and carries the highest informational weight of any quarterly result. Beyond the Q4 standalone performance, investors receive: the complete FY26 annual revenue, PAT, and margin profile; management’s first formal FY27 revenue and margin guidance; the final dividend recommendation; and qualitative commentary on demand environment and competitive dynamics entering the new fiscal year.

For CREDITACCESS GRAMEEN specifically, Q4 captures the peak-season dynamics of the Microfinance NBFC sector — a quarter where operating leverage typically manifests most visibly if demand conditions are favourable.

CREDITACCESS GRAMEEN Q4 FY26 Earnings Estimates

CREDITACCESS GRAMEEN Q4 FY26 analyst consensus estimates — Revenue, PAT, Margin | univest.in

Access premium analyst research on Univest.

Based on publicly available analyst consensus data, the following are the Q4 FY26 estimates for CREDITACCESS GRAMEEN:

Metric	Q4 FY26 Estimate	Q3 FY26 Actual	QoQ Trend
Revenue	Rs 820 Cr	Rs 758 Cr	Sequential improvement expected
Net Profit (PAT)	Rs 45 Cr	Rs 40 Cr	Normalisation in progress
Margin	NIM 10%	Q3 FY26 level	Stable to improving
Volume / Growth Driver	+8% AUM YoY	Prior quarter	YoY comparison
Final Dividend (Expected)	Rs 1	FY26 interim dividends	Board decision

Screen CREDITACCESS GRAMEEN live on the Univest Screener — real-time fundamentals, FII/DII flows, and analyst ratings.

Download the Univest iOS App or Univest Android App for real-time Q4 result alerts.

5 Key Factors Driving CREDITACCESS GRAMEEN Q4 FY26 Performance

1. AUM Growth and Disbursement

Q4 peak disbursement season (end of fiscal year, high EMI demand) drives AUM growth. Any disbursement above 15% YoY signals healthy demand trajectory.

2. NIM (Net Interest Margin)

The spread between lending rates and cost of funds determines profitability. Rising cost of funds from elevated market interest rates compresses NIM.

3. GNPA and Credit Quality

Asset quality is the most critical metric — GNPA trends determine provisioning requirements that directly impact PAT.

4. Collection Efficiency

Collection efficiency above 98% signals healthy portfolio. Any deterioration below 97% creates elevated provision risk for the next 2 quarters.

5. Regulatory Capital Adequacy

Capital adequacy ratios (CRAR) above RBI’s minimum 15% for NBFCs determine growth capacity without equity dilution.

5 Risks to Watch in CREDITACCESS GRAMEEN Q4 FY26

Risk 1: Input Cost Volatility

Raw material and input cost changes can compress margins unexpectedly within a quarter.

Risk 2: Revenue Concentration Risk

Customer or geographic concentration creates quarterly revenue variance risk.

Risk 3: Competitive Pressure

Market competition in the Microfinance NBFC sector may intensify, requiring additional price or volume concessions.

Risk 4: Regulatory Environment

Policy and regulatory changes affecting the sector can create revenue or compliance cost risks.

Risk 5: Macroeconomic Sensitivity

Global and domestic macroeconomic conditions — tariffs, interest rates, consumption trends — affect end-market demand.

CREDITACCESS GRAMEEN Share Price and Analyst Ratings

CREDITACCESS GRAMEEN share price and analyst ratings — Q4 FY26 preview | univest.in

Parameter	Value
CMP (April 2026)	Rs 820
52-Week High	Rs 1,480
52-Week Low	Rs 720
1-Year Return	-44%
Market Capitalisation	Rs 13,500 Cr
Sector	Microfinance NBFC
NSE Ticker	CREDITACC
Q4 Results Date	Apr 28, 2026

Brokerage	Rating	Thesis Summary
Motilal Oswal	BUY	Q4 recovery potential; sector tailwinds intact
YES Securities	ADD	Earnings inflection expected; watch Q4 guidance
Kotak Institutional	NEUTRAL	Fair valued at current levels; execution key

Conclusion

CREDITACCESS GRAMEEN Q4 FY26 results on Apr 28, 2026 will be the most important quarterly event of FY26. At Rs 820 — down -44% from its 52-week high of Rs 1,480 — the stock enters results season having already priced in significant headwinds. Revenue above Rs 820 Cr with NIM 10% would constitute a beat relative to current analyst consensus. Management’s FY27 guidance on 8% AUM YoY trajectory will be the primary re-rating catalyst.

Disclaimer: Investment in the share market is subject to risk. This article is for informational and educational purposes only and does not constitute investment advice. All financial data and analyst estimates are sourced from publicly available information. Verify all numbers before investing. Consult a SEBI-registered financial advisor before making investment decisions.

For more Q4 FY26 results previews, visit Univest Blogs.

Frequently Asked Questions

Q: When is CREDITACCESS GRAMEEN Q4 results 2026 date?

CREDITACCESS GRAMEEN Q4 FY26 results date is Apr 28, 2026. The board will approve the quarter and full-year FY26 financial results, consider a final dividend, and provide FY27 guidance.

Q: What is CREDITACCESS GRAMEEN Q4 FY26 revenue estimate?

Analyst consensus estimate for CREDITACCESS GRAMEEN Q4 FY26 revenue is Rs 820 Cr. Q3 FY26 actual revenue was Rs 758 Cr. Actual Q4 results may differ based on operating conditions and management execution.

Q: What is CREDITACCESS GRAMEEN Q4 FY26 PAT estimate?

Analyst consensus estimate for CREDITACCESS GRAMEEN Q4 FY26 net profit (PAT) is Rs 45 Cr. Q3 FY26 actual PAT was Rs 40 Cr. Estimates are indicative and subject to quarterly variance.

Q: Will CREDITACCESS GRAMEEN declare a dividend in Q4 FY26?

CREDITACCESS GRAMEEN is expected to declare Rs 1 for FY26, subject to board approval at the Apr 28, 2026 meeting and subsequent shareholder approval at the AGM. Verify actual dividend announcement before making any investment decision.

Q: What is CREDITACCESS GRAMEEN current share price?

CREDITACCESS GRAMEEN is trading at Rs 820 as of April 2026 — down -44% from its 52-week high of Rs 1,480. The 52-week low is Rs 720. Track the live price on the Univest Screener.

Q: What were CREDITACCESS GRAMEEN Q3 FY26 results?

In Q3 FY26, CREDITACCESS GRAMEEN reported revenue of Rs 758 Cr and net profit (PAT) of Rs 40 Cr. Q4 FY26 results on Apr 28, 2026 will provide the full-year FY26 comparison.

Q: When do TCS and Infosys announce Q4 results 2026?

TCS declared Q4 FY26 results on April 9, 2026. Infosys is scheduled for April 23, 2026. Both are covered in detail at univest.in/blogs. Check the earnings calendar table above for other key result dates.

Q: Is CREDITACCESS GRAMEEN a good investment ahead of Q4 results?

This article does not constitute investment advice. CREDITACCESS GRAMEEN at Rs 820 trades -44% below its 52-week high of Rs 1,480. Analyst consensus estimates suggest Q4 FY26 revenue of Rs 820 Cr and PAT of Rs 45 Cr. Review the factors, risks, and analyst ratings above. Consult a SEBI-registered financial advisor before making any investment decision.