CreditAccess Grameen – Q4 FY2025 • Revenue: ₹1,410 crore (YoY: ₹1,457 crore, -3.3%) • Net Profit (PAT): ₹47.2 crore (YoY: ₹397 crore, -88%; QoQ: Loss of ₹99.5 crore to Profit) • Asset Quality: •Gross NPA: 4.76% (QoQ: 3.99%) 📈 •Net NPA: 1.73% (QoQ: 1.28%) 📈 • Fundraising: Approved ₹2,000 crore via Non-Convertible Debentures (NCDs) 💰 ⸻ Verdict: ⚠️ Profit took a massive hit YoY, though it bounced back from a loss QoQ—watch out for stress in asset quality. 📈 Rising GNPA and NNPA signals higher credit risk and pressure on loan book. 💸 Fundraising move shows the company is prepping capital to strengthen balance sheet and support growth. ⸻ Key Takeaways: ➤ Revenue dipped slightly, but the real concern is sharp profit fall and rising NPAs. ➤ Fundraising via NCDs indicates proactive capital management amid challenges. ➤ Investors should monitor credit quality trends closely.