CREDITACC

- CreditAccess Grameen Limited has allotted 6,484 equity shares of face value ₹10 each. - Shares allotted to 10 employees upon exercise of options under the CAGL Employees Stock Option Plan – 2011. - Allotment date is November 4, 2026. - Newly allotted shares rank pari-passu with existing equity shares.

- CreditAccess Grameen Limited has informed the exchanges about a change in the corporate office address of its Registrar and Share Transfer Agent (RTA), KFin Technologies Limited. - The new corporate office address is located at Rajapushpa West Avenue, Kokapet, Hyderabad, effective from December 1, 2026. - Stakeholders are advised to direct all future correspondence to the new address.

Concall Transcript: CreditAccess Grameen Limited Q2 FY27 Earnings Conference Call held on October 22, 2026 Management Guidance & Outlook: - Raised profitability guidance for FY27: ROA of 5.2% to 5.8% (vs 4% to 4.8% earlier) and ROE of 21% to 24% (vs 16% to 20% earlier). - Retained AUM growth guidance of 20% to 25% and credit cost guidance of 3% to 4%. - Revised NIM guidance upwards to 14.4% to 14.7%. Financial & Business Performance: - Reported highest quarterly PAT of INR 502 Crore in Q2 FY27; H1 FY27 PAT stood at INR 995 Crore. - AUM grew 19.5% YoY to INR 30,946 Crore; Retail Finance AUM now constitutes 23.3% of total AUM. - Asset quality improved with Gross NPA at 1.79% and Net NPA at 0.59%. Key Commentary: - Experienced temporary stress in parts of Maharashtra due to drought conditions; monitoring closely. - Implemented a 50 bps lending rate cut effective October, with flexibility for future quarters depending on credit and borrowing costs.

- CreditAccess Grameen Limited informed the exchanges about the audio recording of the Q2 FY27 Results Conference Call. - The call was held on October 22, 2026. - The audio recording link has been made available on the company's official website.

- Board approved the appointment of M/s Sharp & Tannan as Joint Statutory Auditor for a term of 3 years starting FY 2027-28. - They will replace M/s Walker Chandiok & Co LLP upon completion of their tenure at the AGM in 2027. - The Board also considered and approved unaudited financial results for Q2 FY27.

- Highest quarterly PAT of ₹502 Cr, up 298.7% YoY for Q2 FY27. - AUM grew 19.5% YoY to ₹30,946 Cr; disbursements increased 19.4% YoY to ₹6,355 Cr. - Raised FY27 guidance to ROA: 5.2–5.8% and ROE: 21.0–24.0%. - GNPA/NNPA stood at 1.79%/0.59% with collection efficiency at 99.71%.

- CreditAccess Grameen Limited reported an investor presentation for the quarter and half year ended September 30, 2026. - AUM grew by 19.5% YoY to INR 30,946 Crore, while PAT surged to INR 502 Crore for Q2 FY27. - Asset quality improved with collection efficiency at 97.9% and GNPA at 1.79%. - The company revised its FY27 guidance upwards following a superior H1 performance, expecting AUM growth of 20.0-25.0% and ROA of 5.2-5.8%.

Q2 FY27 Consolidated Revenue ₹1,903.74Cr vs ₹1,508.35Cr (▲26% YoY) EBITDA ₹1,239.59Cr vs ₹663.81Cr (▲87% YoY) PAT ₹501.57Cr vs ₹125.81Cr (▲299% YoY) EBITDA Margin 65.11% vs 44.01% (▲2110bps)

- CreditAccess Grameen Limited has allotted 14,575 equity shares of ₹10 each to 7 employees on October 20, 2026, under the CAGL Employees Stock Option Plan – 2011. - Out of the total allotment, 11,050 equity shares were allotted to Mr. Ganesh Narayanan, Managing Director & CEO. - The newly allotted shares will rank pari-passu with the existing equity shares of the company.

Concall Schedule Concall Date: Thursday, 22 October 2026 Concall Time: 7:00 PM IST

- CreditAccess Grameen has secured a USD 175 million syndicated social loan facility (External Commercial Borrowing under RBI automatic route). - The facility received participation from ten financial institutions across Asia, Middle East, and Africa, with Standard Chartered Bank and DBS Bank acting as Joint Mandated Lead Arrangers. - This marks the company's fifth successful ECB syndication, bringing total foreign borrowings mobilised to USD 640 million across 15 countries.

- CreditAccess Grameen Limited has allotted 19,360 equity shares of face value ₹10 each. - Allotment made to 22 employees on October 6, 2026. - Shares allotted pursuant to the exercise of options under the CAGL Employees Stock Option Plan – 2011. - The new equity shares rank pari-passu with existing equity shares.

- AUM grew 19.5% YoY to ₹30,946 Cr in Sep-26 vs ₹25,904 Cr in Sep-25 - Disbursements rose 19.4% YoY to ₹6,355 Cr in Q2 FY27 - Asset quality improved with PAR 90+ dropping to 1.1% in Sep-26 from 1.5% in Jun-26 - Added 2.3 Lakh new borrowers during Q2 FY27 - Branch network expanded to 2,326 branches

- CreditAccess Grameen Limited approved the allotment of 21,500 senior, secured, rated, listed, redeemable, non-convertible debentures (NCDs) aggregating to ₹215 crore on a private placement basis. - The NCDs have a face value of ₹1,00,000 each with a tenure of 24 months, maturing on September 30, 2028. - The coupon rate is fixed at 9.15% per annum, payable quarterly, and the debentures are proposed to be listed on the Wholesale Debt Market segment of BSE Limited.

- Completed two Direct Assignment transactions aggregating to ₹260.64 Crore during September 2026. - The assigned pools qualify for Priority Sector treatment under RBI guidelines.

Concall Schedule Concall Date: 30th September 2026 Concall Time: 11:00 AM

- Trading window for dealing in securities closed for all Designated Persons and immediate relatives from October 01, 2026. - Closure remains effective until 48 hours after declaration of Un-audited Financial Results for the quarter and half-year ending September 30, 2026.

Concall Schedule Concall Date: 28 September 2026 Concall Time: 4:00 PM to 4:30 PM