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CreditAccess Grameen Ltd.

FinanceFinance - NBFC

www.creditaccessgrameen.in BSE: 541770NSE: CREDITACC

₹1,396.75BSE0.34%

16 Sep, 4:01 PM

₹1,396.75

₹22.71K Cr

18.76

2.75

10.59%

₹1,422.90

₹1,371.00

₹1,634.40

₹1,112.90

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Price Performance

Peer Comparison

Name
BAJFINANCE BAJFINANCE	1,008.50	30.93	6,27,887.49	0.59	6,080.60	27.60%	23,165.45	19.58%	10.87
SHRIRAM TRAN SHRIRAMFIN	981.05	20.40	2,30,845.48	1.10	3,452.77	59.90%	13,400.43	16.16%	11.49
CHOLAFIN CHOLAFIN	1,767.05	26.25	1,50,960.95	0.11	1,656.22	45.56%	8,856.29	21.87%	9.70
JIOFIN JIOFIN	225.00	71.90	1,48,570.69	0.27	830.25	155.73%	2,004.47	227.28%	2.11
TATACAP TATACAP	343.50	26.96	1,45,811.25	0.17	1,628.18	56.42%	8,821.93	15.10%	8.66
BAJ HOLD INV BAJAJHLDNG	10,925.00	13.73	1,21,588.16	1.78	2,708.08	-22.71%	394.33	21.46%	14.81
MUTHOOT FIN MUTHOOTFIN	2,766.50	9.77	1,11,066.25	1.08	2,824.84	43.08%	8,671.60	34.44%	15.87
CreditAccess Grameen Ltd. CREDITACC	1,396.75	18.76	22,710.96	0.00	493.39	719.72%	1,783.49	21.92%	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
	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
Expenses	327.04	299.25	453.18	700.14	1,020.46	863.69	885.13	844.54	677.67	659.84	558.12
	494.85	512.97	1,058.85	753.15	359.92	542.94	577.76	663.81	812.74	937.43	1,225.37
	60.21%	63.16%	70.03%	51.82%	26.07%	38.60%	39.49%	44.01%	54.53%	58.69%	68.71%
	2.59	2.09	0.55	0.63	1.55	1.08	0.74	0.67	0.90	1.31	0.92
Interest	267.15	273.23	510.31	484.60	474.87	477.78	482.16	479.52	459.34	478.05	550.05
	12.46	12.82	14.35	17.19	15.53	15.16	15.22	15.80	16.38	15.69	16.21
	217.83	229.01	534.74	251.99	-128.93	51.08	81.12	169.16	337.92	445.00	660.03
	26.95%	23.52%	25.63%	26.16%	22.81%	7.58%	25.80%	25.63%	25.40%	23.70%	25.25%
	159.13	175.15	397.66	186.06	-99.52	47.21	60.19	125.81	252.09	339.55	493.39
	10.21	11.22	24.95	11.67	-6.24	2.96	3.77	7.87	15.75	21.20	30.79

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
Net Block	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
Contingent Liabilities	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

18.76

2.75

12.37

3.59

75.45

515.30

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
	66.56	66.54	66.50	66.43	66.43	66.37	66.28	66.24	66.21
	27.13	25.62	23.93	24.06	24.89	25.62	24.91	25.53	26.15
	6.31	7.83	9.57	9.51	8.68	8.02	8.81	8.24	7.63
	33.44	33.46	33.50	33.57	33.57	33.63	33.72	33.76	33.79
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

Corporate Actions

Showing: All

Date	Type	Details
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
2026-04-30	Board Meeting	Audited Results

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

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

EQUITY25 Jun 2026 · 11:04

CreditAccess Grameen moves up on raising Rs 325 crore through NCDs

The NCDs carry a coupon rate of 9.25% per annum (fixed), payable quarterly

COMPANY25 Jun 2026 · 10:47

CreditAccess Grameen raises Rs 325 crore through NCDs

The NCDs carry a coupon rate of 9.25% per annum (fixed), payable quarterly

EQUITY23 Jun 2026 · 14:12

CreditAccess Grameen informs about analyst meet

EQUITY15 Jun 2026 · 09:42

CreditAccess Grameen soars on raising Rs 100 crore through NCDs

The NCDs are proposed to be listed on the Wholesale Debt Market segment of BSE

EQUITY10 Jun 2026 · 12:47

CreditAccess Grameen informs about newspaper advertisement

EQUITY8 Jun 2026 · 14:35

CreditAccess Grameen informs about press release

CREDITACC

₹1,396.75

+0.34%