Investor Presentation

Ref: CAGL/EQ/2026-27/67 July 24, 2026 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers Exchange Plaza, C-1, Block G Dalal Street Bandra Kurla Complex Bandra (East), Mumbai - 400001 Mumbai - 400051 Scrip code: 541770 Symbol: CREDITACC Dear Sir/Madam, Sub.: Investor Presentation for the quarter ended June 30, 2026 Pursuant to Regulation 30 and 46 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed the Investor Presentation for the quarter ended June 2026. The same is also available on the website of the company at www.creditaccessgrameen.in We request you to take the same on record. Thanking you, Yours Truly For CreditAccess Grameen Limited Deepti Ramani Company Secretary & Compliance Officer Encl.: As Above CreditAccess Grameen Limited Leading Rural Focused Inclusive Financing Platform Tested By Cycles, Strengthened By Purpose Q1 FY27 Investor Presentation July 2026 www.creditaccessgrameen.in Disclaimer By accessing this presentation, you agree to be bound by the following terms and conditions. This presentation (which may reflect some price-sensitive information in terms of SEBI regulations and Companies Act, 2013, as amended from time to time) has been prepared by CreditAccess Grameen Limited (the “Company”). The Company may alter, modify or otherwise change in any manner the contents of this presentation, without obligation to notify any persons of such change or changes. This presentation may contain certain “forward-looking statements”. These statements include descriptions regarding the intent, belief or current expectations of the Company or its management and information currently available with its management, including with respect to the results of operations and the financial condition of the company. By their nature, such forward-looking statements are not guarantees of future performance and involve risks and uncertainties, and actual results may differ from those in such forward-looking statements as a result of various factors and assumptions that the Company believes to be reasonable in the light of its operating experience in recent years. Many factors could cause the actual results, performances, or achievements of the Company to be materially different from those contemplated by the relevant forward-looking statement. 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This presentation contains certain supplemental measures of performance and liquidity that are not required by or presented in accordance with Ind AS, and should not be considered an alternative to profit, operating revenue, or any other performance measures derived in accordance with Ind AS or an alternative to cash flow from operations as a measure of liquidity of the Company. 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This presentation and its contents are not and should not be construed as a prospectus or an offer document, including (as defined under the Companies Act, 2013, to the extent notified and in force) or an offer document under the Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2009, as amended. The information contained herein does not constitute or form part of an offer, solicitation, or invitation of an offer to purchase or subscribe, for securities nor shall it or any part of it form the basis of or be relied on in connection with any contract, commitment or investment decision in relation thereto. By accessing this presentation, you accept that this disclaimer and any claims arising out of the use of the information from this presentation shall be governed by the laws of India and only the courts in Bangalore, and no other courts shall have jurisdiction over the same. www.creditaccessgrameen.in Discussion Summary ii Recent Performance – Momentum That Speaks Our Current Position – The Vantage Point Our Strategic Vision – Project “Shakti” Financial Profile – Built for Growth ESG & CSR – Our Natural Advantage www.creditaccessgrameen.in Q1 FY27: Key Business Highlights Key Metrics Q1 FY27 YoY% QoQ% ✓ AUM grew 16.4% YoY (despite 6.3% TTM write-off) and 2.5% QoQ (given typical AUM (INR Cr)1 30,319 16.4% 2.5% Q1 seasonality) Borrowers (Lakh) 1 44.51 -2.4% 0.8% ✓ Retail Finance (RF) share up 250 bps QoQ to 20.6% from 18.1% Disbursements (INR Cr) 6,107 11.9% -26.5% CE (Excl. Arrears) / (Incl. Arrears) % 97.4% / 97.7% GNPA (GL: 60+ dpd, RF: 90+ dpd) % 2.18% ✓ New borrowers added: 2.5Lakh, 35% NTC (Q1) PAR 90+ % 1.46% ✓ Grameen Mahi (customer app) onboarded 4.0 Lakh customers in Q1 FY27, taking NNPA (GL: 60+ dpd, RF: 90+ dpd) % 0.76% the overall base to 15.3 Lakh (34.5% of borrower base) ECL Provisioning % 3.20% CRAR % 24.9% (Tier 1: 24.2%) ✓ PAR accretion remains within the normalized range, contributing to lower 1) Figures are after considering the write-off of INR 1,640 Cr AUM & 4.0 Lakh borrowers on a TTM basis delinquency buckets across the book ✓ X-Bucket CE for Jun-26 at 99.68% Key Financial Metrics Q1 FY27 ✓ Credit cost at 0.72% (non annualized) in Q1 FY27 NII (INR Cr) 1,164 PPOP (INR Cr) 873 ✓ AUM% of unique GL borrowers: 45.7% (Jun-26) Vs 26.6% (Aug-24) PAT (INR Cr) 493 ✓ Higher yields (lower interest reversals) + lower COB → higher NIM Interest Spread % 12.6% ✓ AUM growth + higher NIM + opex control → Sequential improvement in PPOP NIM % 14.4% ROA % 5.9% / 4.0% 2 ROE % [Showing first 8,000 characters — download PDF for full document]