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CreditAccess Grameen Ltd.

1,024.55−14.35 (−1.38%)

BSE · 30 Oct, 4:01 PM

: ₹16,393.17 Cr
: 10.33
: 19,352
: ₹1,039.70 - ₹1,011.25
: ₹1,634.40 - ₹993.75

CreditAccess Grameen Ltd. (CREDITACC) share price closed at ₹1,024.55 on the BSE on Friday, October 30, 2026, down by 1.38% from its of ₹1,038.90. In that session CREDITACC reached a of 1,039.70 and of 1,011.25. The for the session was 1,031.14. The stands at 1,305.12 and is at 1,335.93. Looking at , the stock ended the session in Downtrend.

Stock Overview

₹1,037.20

₹1,038.90

₹1,031.14

₹1,305.12

Price 21.50% below

₹1,335.93

Price 23.31% below

Key Fundamentals

: 16,393.17 Cr₹16.39 Thousand Crore
: 98.82
: 10.33
: 1.84
: 555.52
: 4,219.34 Cr₹4.22 Thousand Crore
: 0.00 %
Sector
Industry: Finance - NBFC
: 10.59
: 3.04

Industry Comparison

Ratio	Company	Sector
	10.33	19.05
	3.04	0.27
	1.84	1.34
	0.21	1.67
	0.00 %	0.12 %
Operating Margin	49.48 %	47.62 %

Sector figures are the median of 194 listed Finance companies.

Peer Comparison

Name
BAJFINANCE BAJFINANCE	939.20	26.95	5,84,741.63	0.64	6,366.57	28.68%	24,546.37	22.79%	10.87
SHRIRAM TRAN SHRIRAMFIN	825.00	15.30	1,94,129.66	1.31	3,683.81	59.19%	13,792.48	15.78%	11.49
JIOFIN JIOFIN	204.50	81.87	1,40,146.75	0.29	340.44	-51.02%	1,699.28	73.15%	2.11
CHOLAFIN CHOLAFIN	1,586.00	21.86	1,36,020.28	0.13	1,630.34	40.59%	9,270.92	23.75%	9.70
TATACAP TATACAP	319.90	22.76	1,35,793.36	0.18	1,831.88	63.71%	9,341.81	20.71%	8.66
BAJ HOLD INV BAJAJHLDNG	10,213.00	12.84	1,13,664.06	1.91	2,708.08	-22.71%	394.33	21.46%	14.81
ABCAPITAL ABCAPITAL	366.30	22.11	1,00,293.18	0.00	1,353.35	40.86%	14,003.21	32.17%	8.82
CreditAccess Grameen Ltd. CREDITACC	1,024.55	10.33	16,393.17	0.00	501.57	298.67%	1,903.74	26.21%	9.98

Quarterly Results

consolidated figures in ₹ Crores · Quarterly

Particulars	Mar 2022	Sep 2022	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
	821.89	812.22	1,512.03	1,453.29	1,380.38	1,406.63	1,462.89	1,508.35	1,490.41	1,597.27	1,783.49	1,903.74
Expenses	327.04	299.25	453.18	700.14	1,020.46	863.69	885.13	844.54	677.67	659.84	558.12	664.15
	494.85	512.97	1,058.85	753.15	359.92	542.94	577.76	663.81	812.74	937.43	1,225.37	1,239.59
	60.21%	63.16%	70.03%	51.82%	26.07%	38.60%	39.49%	44.01%	54.53%	58.69%	68.71%	65.11%
	2.59	2.09	0.55	0.63	1.55	1.08	0.74	0.67	0.90	1.31	0.92	1.06
Interest	267.15	273.23	510.31	484.60	474.87	477.78	482.16	479.52	459.34	478.05	550.05	553.04
	12.46	12.82	14.35	17.19	15.53	15.16	15.22	15.80	16.38	15.69	16.21	16.66
	217.83	229.01	534.74	251.99	-128.93	51.08	81.12	169.16	337.92	445.00	660.03	670.95
	26.95%	23.52%	25.63%	26.16%	22.81%	7.58%	25.80%	25.63%	25.40%	23.70%	25.25%	25.24%
	159.13	175.15	397.66	186.06	-99.52	47.21	60.19	125.81	252.09	339.55	493.39	501.57
	10.21	11.22	24.95	11.67	-6.24	2.96	3.77	7.87	15.75	21.20	30.79	31.25

Profit & Loss

consolidated figures in ₹ Crores · Annual

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
INCOME :
Operating Income	2,742.82	3,545.12	5,166.67	5,752.33	6,058.92
Operating Income (Net)	2,742.82	3,545.12	5,166.67	5,752.33	6,058.92
EXPENDITURE :
Employee Cost	437.66	515.24	669.43	730.36	879.09
Operating & Establishment Expenses	62.34	82.26	103.97	123.90	139.93
Administrations & Other Expenses	117.97	165.65	201.18	217.95	236.38
Provisions and Contingencies	616.72	416.26	469.38	1,957.86	1,805.73
	1,234.69	1,179.41	1,443.96	3,030.07	3,061.13
Operating Profit (Excl OI)	1,508.13	2,365.71	3,722.71	2,722.26	2,997.79
	7.31	5.67	5.98	3.81	3.62
	1,515.44	2,371.38	3,728.69	2,726.07	3,001.41
Interest	987.42	1,216.12	1,738.36	1,954.98	1,905.13
	47.23	49.84	51.15	62.22	63.08
Profit Before Taxation & Exceptional Items	480.79	1,105.42	1,939.18	708.87	1,033.20
	480.79	1,105.42	1,939.18	708.87	1,033.20
Provision for Tax	127.72	279.36	493.25	177.47	255.56
	353.07	826.06	1,445.93	531.40	777.64
Extra items				0.00	0.00
Consolidated Net Profit	353.07	826.06	1,445.93	531.40	777.64
Profit Balance B/F	917.56	1,194.73	1,855.13	3,011.07	3,271.98
Appropriations	1,270.63	2,020.79	3,301.06	3,542.47	4,049.62
Equity Dividend %			100.00%
	22.65	51.98	90.72	33.27	48.54
Adjusted EPS	22.65	51.98	90.72	33.27	48.54

Balance Sheet

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
	155.87	158.91	159.38	159.72	160.20
Share Warrants & Outstandings	11.72	19.41	31.17	49.26	66.16
Total Reserves	3,999.32	4,928.65	6,379.43	6,746.99	7,615.89
Reserve excluding Revaluation Reserve	3,999.32	4,928.65	6,379.43	6,746.99	7,615.89
Revaluation reserve	0.00		0.00	0.00
	4,166.91	5,106.97	6,569.98	6,955.97	7,842.25
Secured Loans	12,710.17	16,009.67	11,945.24	9,972.60	10,712.13
Unsecured Loans	184.95	277.33	25.24	12.64
Deferred Tax Assets / Liabilities	-155.39	-80.93	-136.93	-355.25	-327.86
Other Long Term Liabilities		66.80	87.81	89.37	80.37
Long Term Trade Payables					5.46
Long Term Provisions	462.96	528.84	1,323.35	1,186.76	1,051.03
Total Non-Current Liabilities	13,202.69	16,801.71	13,244.71	10,906.12	11,521.13
Trade Payables	259.02	303.70	256.35	32.06	34.87
Other Current Liabilities	102.62	31.18	68.22	202.52	215.03
Short Term Borrowings	25.57	25.26	9,870.53	10,460.53	12,929.00
Short Term Provisions	208.40	264.54	24.87	422.19	283.77
Total Current Liabilities	595.61	624.68	10,219.97	11,117.30	13,462.67
Total Liabilities	17,965.21	22,533.36	30,034.66	28,979.39	32,826.05
Loans (Non - Current Assets)	14,765.33	19,043.34	25,104.99	24,274.45	27,922.73
Gross Block	759.57	777.54	826.14	867.83	902.01
Less: Accumulated Depreciation	130.68	178.51	217.06	264.25	314.49
	628.89	599.03	609.08	603.58	587.52
Non Current Investments	0.54	0.54	0.54	0.70
Long Term Investment	0.54	0.54	0.54	0.70
Long Term Loans & Advances	492.91	571.96	1,356.39	1,192.29	1,017.32
Other Non Current Assets	12.95		118.80	112.89	406.02
Total Non-Current Assets	15,903.69	20,218.81	27,194.34	26,187.41	29,933.70
Currents Investments		453.98	1,438.36	892.30	1,075.34
Cash and Bank	1,761.39	1,436.43	1,222.01	1,343.36	1,271.73
Other Current Assets	86.08	165.81	179.95	183.54	337.87
Short Term Loans and Advances	214.05	258.33		372.78	207.41
Total Current Assets	2,061.52	2,314.55	2,840.32	2,791.98	2,892.35
Net Current Assets (Including Current Investments)	1,465.91	1,689.87	-7,379.65	-8,325.32	-10,570.32
Total Assets	17,965.21	22,533.36	30,034.66	28,979.39	32,826.05
	0.35	0.25	4.24	4.00
Total Debt	12,920.69	16,312.26	21,841.01	20,445.77	23,641.13
	266.58	320.15	410.27	432.43	485.40
Adjusted Book Value	266.58	320.15	410.27	432.43	485.40

Cash Flow

consolidated figures in ₹ Crores

Particulars	FY 2021-22 (Mar)	FY 2022-23 (Mar)	FY 2023-24 (Mar)	FY 2024-25 (Mar)	FY 2025-26 (Mar)
No of Months	12.00	12.00	12.00	12.00	12.00
	480.79	1,105.42	1,939.18	708.87	1,033.20
Adjustment	555.70	386.62	341.59	1,836.38	1,754.04
Changes In working Capital	-3,629.64	-4,541.73	-6,453.62	-1,074.09	-5,361.15
Cash Flow after changes in Working Capital	-2,593.15	-3,049.69	-4,172.85	1,471.16	-2,573.91
Cash Flow from Operating Activities	-2,713.47	-3,289.78	-4,733.78	1,125.24	-2,770.21
Cash Flow from Investing Activities	-32.96	-314.43	-994.20	708.34	-100.65
Cash Flow from Financing Activitie	1,966.89	3,365.07	5,493.86	-1,669.38	2,750.95
Net Cash Inflow / Outflow	-779.54	-239.14	-234.12	164.20	-119.91
Opening Cash & Cash Equivalents	2,360.09	1,580.55	1,341.41	1,107.29	1,271.49
Closing Cash & Cash Equivalent	1,580.55	1,341.41	1,107.29	1,271.49	1,151.58

Ratios

Valuation

10.33

1.84

9.07

2.44

98.82

555.52

Profitability

10.59

9.98

2.52

49.48

12.83

Leverage & Liquidity

3.04

0.21

1.54

Returns

0.00

0.20

Shareholding Pattern

Numbers in percentages

Particulars	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26	Sep '26
	66.56	66.54	66.50	66.43	66.43	66.37	66.28	66.24	66.21	63.83
	27.13	25.62	23.93	24.06	24.89	25.62	24.91	25.53	26.15	28.50
	6.31	7.83	9.57	9.51	8.68	8.02	8.81	8.24	7.63	7.68
	33.44	33.46	33.50	33.57	33.57	33.63	33.72	33.76	33.79	36.17
No. of Shareholders	83,603	1,03,928	1,25,004	1,19,819	1,01,902	83,943	85,666	83,884	79,071	78,179

Mutual Funds Invested(111)

Based on each fund's latest monthly portfolio · Sep 2026

A total of 65 active funds hold 11.10% in CreditAccess Grameen Ltd., contributing to ₹2.27K Cr of holdings

Fund				As of
ED Edelweiss Mid Cap Fund - Growth - Direct PlanMid Cap Fund	258.95	1.35	20,35,733	Sep '26
AX Axis Small Cap Fund - Growth - Direct PlanSmall cap Fund	216.58	0.71	17,02,673	Sep '26
IP ICICI Prudential Multi Cap Fund - Growth - Direct PlanMulti Cap Fund	155.20	0.83	12,20,122	Sep '26
CR Canara Robeco Small Cap Fund - Growth - Direct PlanSmall cap Fund	144.26	1.03	11,34,157	Sep '26
HS HSBC Small Cap Fund - Growth - Direct PlanSmall cap Fund	133.35	0.72	10,48,321	Sep '26
NI Nippon India Small Cap Fund - Growth - Direct PlanSmall cap Fund	132.16	0.16	10,38,984	Sep '26
AB Aditya Birla Sun Life Flexi Cap Fund - Growth - Direct PlanFlexi Cap Fund	127.20	0.45	10,00,000	Sep '26
UT UTI Mid Cap Fund - Growth - Direct PlanMid Cap Fund	117.66	0.99	9,25,000	Sep '26
HD HDFC Large & Mid Cap Fund - Growth - Direct PlanLarge & Mid Cap	91.60	0.32	7,20,141	Sep '26
HS HSBC Flexi Cap Fund - Growth - Direct PlanFlexi Cap Fund	79.77	1.39	6,27,148	Sep '26

Corporate Actions

Showing: All

Date	Type	Details
2026-10-13	Board Meeting	Quarterly Results
2026-07-17	Board Meeting	Quarterly Results & in addition to consideration of Unaudited Financial Results of the Company for the quarter ended June 30, 2026, the following items shall also be considered at the Meeting of the Board of Directors of the Company scheduled on Friday, July 24, 2026: 1. Proposal of raising funds through issuance of non-convertible securities including debentures and / or issuance of foreign currency bonds of various types under private placement in domestic / foreign market, in one or more tranches up to such Shelf limit, as may be decided by the Board of Directors. 2. Proposal of raising funds through Public Issue of Non-Convertible Debentures in domestic market, in one or more tranches up to such Shelf limit, as may be decided by the Board of Directors.
2026-06-09	AGM

Insider Trading

Date	Person	Category	Transaction Type	Shares	Value (₹)

No insider trading data available.

Sector Overview

FinanceFinance - NBFC

CreditAccess Grameen Ltd. operates in the Finance sector under the Finance - NBFC industry. This sector is one of the key drivers of the Indian economy and is closely tracked by the relevant Nifty sectoral index.

Company Profile

Corporate information and contact details

Key Management

9 members across the board and senior leadership

Manoj Kumar

Chairman

₹53.20 L

Mar '26

Paolo Brichetti

Vice Chairman

₹10.90 L

Mar '26

Ganesh Narayanan

Managing Director & Chief Executive Officer

₹3.67 Cr

Mar '26

Lilian Jessie Paul

Non Executive Independent Director

₹50.90 L

Mar '26

Rekha Gopal Warriar

Non Executive Independent Director

₹50.20 L

Mar '26

Sumit Kumar

Non Executive Director

₹18.40 L

Mar '26

Massimo Vita

Non Executive Director

₹26.50 L

Mar '26

Udaya Kumar Hebbar

Non Executive Director

₹9.50 L

Mar '26

Deepti Ramani

Company Secretary & Compliance Officer

—

CREDITACC Latest News

News

10 of 10 articles

EQUITY21 Oct 2026 · 13:03

CreditAccess Grameen informs about allotment of equity shares

EQUITY14 Oct 2026 · 10:18

CreditAccess Grameen informs about conference call

COMPANY12 Oct 2026 · 16:58

CreditAccess Grameen signs $175 million syndicated social loan facility

Standard Chartered Bank and DBS Bank acted as the Joint Mandated Lead Arrangers and Bookrunners

EQUITY7 Oct 2026 · 12:48

CreditAccess Grameen informs about allotment of equity shares

EQUITY18 Sept 2026 · 14:27

CreditAccess Grameen informs about analyst meet

EQUITY17 Sept 2026 · 17:37

CreditAccess Grameen informs about analyst meet

EQUITY3 Sept 2026 · 14:35

CreditAccess Grameen climbs on raising Rs 300 crore through NCDs

The debentures have been allotted on a private placement basis in two series

COMPANY3 Sept 2026 · 14:19

CreditAccess Grameen raises Rs 300 crore through NCDs

The debentures have been allotted on a private placement basis in two series

EQUITY7 Aug 2026 · 14:48

CreditAccess Grameen informs about SAST

COMPANY27 Jul 2026 · 12:11

CreditAccess Grameen reports multi-fold jump in Q1 net profit

The total income of the company has increased by 21.92% at Rs 1,784.41 crore for Q1FY27

CreditAccess Grameen Ltd.

Stock Overview

Price chart

Peer Comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flow

Ratios

Valuation

Profitability

Leverage & Liquidity

Returns

Shareholding Pattern

Mutual Funds Invested(111)

Corporate Actions

Insider Trading

Sector Overview

Company Profile

Key Management

CREDITACC Latest News

News