CREDITACCESS GRAMEEN LIMITED Share Price & Analysis
Price Chart
Fundamentals
Concerns
- ✗Heavy debt load (D/E 3x)
Peer Comparison
| Company | CMP | Mkt Cap | P/E | P/B | ROE % | ROCE % | D/E |
|---|---|---|---|---|---|---|---|
| HDFCBANK HDFC Bank Limited | ₹754 | ₹12.6L Cr | 16 | 1.93 | 13.6 | 7.02 | — |
| ICICIBANK ICICI Bank Limited | ₹1,440 | ₹10.4L Cr | 18.5 | 2.73 | 17.3 | 7.59 | — |
| SBIN State Bank of India | ₹1,025 | ₹9.6L Cr | 11.6 | 1.59 | 15.4 | 6.13 | — |
| BAJFINANCE Bajaj Finance Limited | ₹1,056 | ₹6.6L Cr | 34.2 | 5.77 | 18.2 | 10.9 | — |
| LICI Life Insurance Corporation Of India | ₹424 | ₹5.5L Cr | 9.54 | 3.03 | 37.8 | 35.1 | 0 |
| AXISBANK Axis Bank Limited | ₹1,234 | ₹4.1L Cr | 14.9 | 1.73 | 13.1 | 6.24 | — |
| KOTAKBANK Kotak Mahindra Bank Limited | ₹382 | ₹3.9L Cr | 19.4 | 2.1 | 11.4 | 6.98 | — |
Showing 7 peers in the same sector · Sorted by market cap
Shareholding Pattern
CREDITACC · as of Mar 2026
| Category | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Promoters | 66.66% | 66.58% | 66.56% | 66.54% | 66.50% | 66.43% |
| FII | 12.00% | 11.65% | 10.88% | 10.76% | 9.76% | 11.38% |
| DII | 15.79% | 15.76% | 16.25% | 14.86% | 14.17% | 12.67% |
| Public | 5.57% | 6.01% | 6.31% | 7.83% | 9.57% | 9.50% |
Corporate Events
To consider and approve the financial results for the period ended Jun 30, 2026 and other business matters
To consider and approve Fund Raising
Annual General Meeting/Dividend - Rs 10 Per Share
Latest News
All news →CreditAccess Grameen hosts analyst and investor meet
*CreditAccess Grameen hosts analyst and investor meet* to discuss business performance and outlook. The event provides insights from management but no major announcements were made. Updates are likely focused on recent trends and operational metrics. 📊 *STOCKS:* CREDITACCESS | 🏢 *SECTOR:* Microfinance | #LOWIMPACT #Earnings
SMFG India Credit raises funds via bond issue
*SMFG India Credit raises funds via bond issue.* The company has accepted bids for its ongoing bond issuance, as confirmed by bankers. This move strengthens its capital position for future lending growth. Funds raised will support asset expansion and debt refinancing. 📊 *STOCKS:* SMFIL | 🏢 *SECTOR:* CapitalMarkets | #MEDIUMIMPACT #bond
YES BANK partners with Northern Arc for credit growth
*YES BANK partners with Northern Arc for credit growth.* The collaboration aims to expand credit access through structured co-lending. This move is expected to boost YES BANK’s retail loan book and improve asset quality. Northern Arc brings credit expertise and risk assessment capabilities to scale lending operations. 📊 *STOCKS:* YESBANK | 🏢 *SECTOR:* Banking | #MEDIUMIMPACT #credit growth
CreditAccess Gramin publishes newspaper notice for compliance
*CreditAccess Gramin publishes newspaper notice for compliance.* This is a routine regulatory disclosure as part of corporate filing requirements. No financial or operational updates were provided. Such notices are standard practice for listed companies. 📊 *STOCKS:* CREDITACC | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #Compliance
CreditAccess Grameen publishes newspaper notice
*CreditAccess Grameen publishes newspaper notice* as part of regulatory compliance. The filing is a routine disclosure with no financial impact. Such notices are standard for corporate announcements under listing norms. No material changes to operations or financials are indicated. 📊 *STOCKS:* CREDITACCESS | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #CorporateFiling
MSME credit growth hits 23.5% in FY26: RBI
*MSME credit growth accelerates to **23.5%** in FY26, according to the RBI annual report.* This reflects stronger demand and improved credit access for small businesses. Rising credit flow may signal enhanced economic activity in the sector. 📊 *STOCKS:* | 🏢 *SECTOR:* Macro | #MEDIUMIMPACT #MSME
SEBI proposes major overhaul of municipal bond market
*SEBI proposes major overhaul of municipal bond market*. The regulator has suggested allowing municipal bodies to refinance existing debt and issue pooled municipal bonds to improve credit access. These changes aim to deepen the municipal bond market and enhance liquidity. 📊 *STOCKS:* | 🏢 *SECTOR:* CapitalMarkets | #MEDIUMIMPACT #SEBI
Economists urge support measures amid Iran war fallout
*Economists urge support measures amid Iran war fallout.* Government considers relief package focusing on MSMEs, dollar purchase incentives, and credit access for vulnerable sectors. Geopolitical tensions may impact imports and forex reserves, affecting market stability. Policy announcements expected soon to mitigate economic spillover. 📊 *STOCKS:* | 🏢 *SECTOR:* Macro | #MEDIUMIMPACT #MSME
PMMSY and LoA to boost fisheries co-ops and FFPOs
*PMMSY and LoA to boost fisheries co-ops and FFPOs* aims to strengthen fisheries cooperatives and Farmer Producer Organizations through enhanced credit access and infrastructure. The initiative supports **₹2,500 crore** funding under PMMSY to boost fish production and rural livelihoods. Focus on FFPOs could improve supply chain efficiency and market linkages. 📊 *STOCKS:* | 🏢 *SECTOR:* Regulation | #LOWIMPACT #Fisheries
Spense raises $2.8M seed funding for credit infrastructure
*Spense raises $2.8M seed funding for credit infrastructure*. Spense has secured $2.8 million in seed funding to develop India’s next-generation asset-backed credit infrastructure. The capital will boost its fintech platform aimed at improving credit accessibility. While promising, the startup is not yet publicly listed. 📊 *STOCKS:* | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #Funding
Financials
Quarterly Results
| Metric | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Op. Profit | — | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — | — |
| Net Profit | ₹340 Cr ▲34.9% | ₹252 Cr ▲100.0% | ₹126 Cr ▲110.0% | ₹60 Cr ▲27.7% | ₹47 Cr ▲147.0% | ₹-100 Cr ▼153.8% | ₹186 Cr ▼53.3% | ₹398 Cr |
| EPS (₹) | 21.2 ▲34.6% | 15.75 ▲100.1% | 7.87 ▲108.8% | 3.77 ▲27.4% | 2.96 ▲147.4% | -6.24 ▼153.5% | 11.67 ▼53.2% | 24.95 |
Values in ₹ Cr · Source: Screener.in
Annual Profit & Loss
| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Expenses | ₹3.1K Cr ▲1.0% | ₹3.0K Cr ▲109.8% | ₹1.4K Cr ▲22.5% | ₹1.2K Cr ▼4.5% | ₹1.2K Cr ▼5.6% | ₹1.3K Cr ▲104.4% | ₹640 Cr ▲77.3% | ₹361 Cr |
| Op. Profit | — | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — | — |
| Other Income | ₹4 Cr ▲0.0% | ₹4 Cr ▼33.3% | ₹6 Cr ▼90.6% | ₹64 Cr ▼21.0% | ₹81 Cr ▲1520.0% | ₹5 Cr ▲400.0% | ₹1 Cr ▲0.0% | ₹1 Cr |
| Interest | ₹1.9K Cr ▼2.6% | ₹2.0K Cr ▲12.5% | ₹1.7K Cr ▲42.9% | ₹1.2K Cr ▲23.2% | ₹987 Cr ▲5.8% | ₹933 Cr ▲59.8% | ₹584 Cr ▲40.0% | ₹417 Cr |
| Depreciation | ₹63 Cr ▲1.6% | ₹62 Cr ▲21.6% | ₹51 Cr ▲2.0% | ₹50 Cr ▲6.4% | ₹47 Cr ▲6.8% | ₹44 Cr ▲120.0% | ₹20 Cr ▲150.0% | ₹8 Cr |
| PBT | ₹1.0K Cr ▲45.7% | ₹709 Cr ▼63.4% | ₹1.9K Cr ▲75.5% | ₹1.1K Cr ▲129.7% | ₹481 Cr ▲167.2% | ₹180 Cr ▼61.0% | ₹462 Cr ▼7.2% | ₹498 Cr |
| Tax % | 25.0% ▲0.0% | 25.0% ▲0.0% | 25.0% ▲0.0% | 25.0% ▼7.4% | 27.0% ▲0.0% | 27.0% ▲0.0% | 27.0% ▼22.9% | 35.0% |
| Net Profit | ₹778 Cr ▲46.5% | ₹531 Cr ▼63.3% | ₹1.4K Cr ▲75.1% | ₹826 Cr ▲134.0% | ₹353 Cr ▲169.5% | ₹131 Cr ▼60.9% | ₹335 Cr ▲4.0% | ₹322 Cr |
| EPS (₹) | 48.54 ▲45.9% | 33.27 ▼63.3% | 90.72 ▲71.6% | 52.87 ▲133.4% | 22.65 ▲163.1% | 8.61 ▼62.8% | 23.17 ▲3.4% | 22.41 |
| Div Payout | 0.0% | 0.0% ▼100.0% | 11.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Values in ₹ Cr · Source: Screener.in
Balance Sheet
| Item | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|
| Liabilities | ||||||||
| Equity Capital | ₹160 Cr ▲0.0% | ₹160 Cr ▲0.6% | ₹159 Cr ▲0.0% | ₹159 Cr ▲1.9% | ₹156 Cr ▲0.0% | ₹156 Cr ▲8.3% | ₹144 Cr ▲0.0% | ₹144 Cr |
| Reserves | ₹7.7K Cr ▲13.0% | ₹6.8K Cr ▲6.0% | ₹6.4K Cr ▲29.6% | ₹4.9K Cr ▲23.4% | ₹4.0K Cr ▲13.4% | ₹3.5K Cr ▲36.5% | ₹2.6K Cr ▲16.6% | ₹2.2K Cr |
| Borrowings | — | — | — | — | — | — | — | — |
| Other Liabilities | ₹447 Cr ▲11.5% | ₹401 Cr ▼12.8% | ₹460 Cr ▲4.8% | ₹439 Cr ▲11.4% | ₹394 Cr ▼7.7% | ₹427 Cr ▲35.1% | ₹316 Cr ▲150.8% | ₹126 Cr |
| Total Liabilities | ₹31.9K Cr ▲14.8% | ₹27.8K Cr ▼3.7% | ₹28.9K Cr ▲32.1% | ₹21.9K Cr ▲25.0% | ₹17.5K Cr ▲16.1% | ₹15.1K Cr ▲19.6% | ₹12.6K Cr ▲71.1% | ₹7.4K Cr |
| Assets | ||||||||
| Fixed Assets | ₹588 Cr ▼2.6% | ₹604 Cr ▼0.8% | ₹609 Cr ▲1.7% | ₹599 Cr ▼4.8% | ₹629 Cr ▲9.8% | ₹573 Cr ▼0.5% | ₹576 Cr ▲2204.0% | ₹25 Cr |
| CWIP | ₹0 Cr ▼100.0% | ₹4 Cr ▼20.0% | ₹5 Cr ▲25.0% | ₹4 Cr ▲33.3% | ₹3 Cr ▲200.0% | ₹1 Cr ▼66.7% | ₹3 Cr ▲50.0% | ₹2 Cr |
| Investments | ₹1.1K Cr ▲20.4% | ₹893 Cr ▼37.9% | ₹1.4K Cr ▲216.3% | ₹455 Cr ▲45400.0% | ₹1 Cr ▲0.0% | ₹1 Cr ▼97.8% | ₹46 Cr | ₹0 Cr |
| Other Assets | ₹30.3K Cr ▲15.1% | ₹26.3K Cr ▼1.9% | ₹26.8K Cr ▲28.9% | ₹20.8K Cr ▲23.5% | ₹16.8K Cr ▲16.3% | ₹14.5K Cr ▲21.1% | ₹12.0K Cr ▲63.2% | ₹7.3K Cr |
| Total Assets | ₹31.9K Cr ▲14.8% | ₹27.8K Cr ▼3.7% | ₹28.9K Cr ▲32.1% | ₹21.9K Cr ▲25.0% | ₹17.5K Cr ▲16.1% | ₹15.1K Cr ▲19.6% | ₹12.6K Cr ▲71.1% | ₹7.4K Cr |
Values in ₹ Cr · Source: Screener.in
Cash Flow Statement
| Item | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|
| Operating CF | ₹-2.8K Cr ▼346.2% | ₹1.1K Cr ▲123.8% | ₹-4.7K Cr ▼43.9% | ₹-3.3K Cr ▼21.3% | ₹-2.7K Cr ▼496.3% | ₹-455 Cr ▲79.6% | ₹-2.2K Cr ▼61.7% | ₹-1.4K Cr |
| Investing CF | ₹-101 Cr ▼114.3% | ₹708 Cr ▲171.2% | ₹-994 Cr ▼216.6% | ₹-314 Cr ▼851.5% | ₹-33 Cr ▼237.5% | ₹24 Cr ▲103.8% | ₹-638 Cr ▼9014.3% | ₹-7 Cr |
| Financing CF | ₹2.8K Cr ▲264.8% | ₹-1.7K Cr ▼130.4% | ₹5.5K Cr ▲63.3% | ₹3.4K Cr ▲71.1% | ₹2.0K Cr ▼8.3% | ₹2.1K Cr ▼26.5% | ₹2.9K Cr ▲59.7% | ₹1.8K Cr |
| Net Cash Flow | ₹-120 Cr ▼173.2% | ₹164 Cr ▲170.1% | ₹-234 Cr ▲2.1% | ₹-239 Cr ▲69.4% | ₹-780 Cr ▼145.5% | ₹1.7K Cr ▲3075.9% | ₹54 Cr ▼87.8% | ₹444 Cr |
| Free Cash Flow | ₹-2.8K Cr ▼355.2% | ₹1.1K Cr ▲123.0% | ₹-4.8K Cr ▼43.8% | ₹-3.3K Cr ▼20.6% | ₹-2.7K Cr ▼484.4% | ₹-469 Cr ▲79.2% | ₹-2.3K Cr ▼61.2% | ₹-1.4K Cr |
Values in ₹ Cr · Source: Screener.in
About CREDITACCESS GRAMEEN LIMITED
CreditAccess Grameen Limited is registered as a non-deposit accepting NBFC - Microfinance Institution with the RBI. It is engaged in providing microfinance services to women who are enrolled as members and organized as Joint Liability Groups. It also uses its distribution channel to provide certain other financial products and services to the members. [1]
Financial Services · Finance