CREDITACCESS GRAMEEN LIMITED Share Price & Analysis
Price Chart
Fundamentals
Strengths
- Attractively valued vs sector (P/E 19.1x vs industry 37.5x)
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 | ₹712 | ₹11.0L Cr | 13.9 | 1.83 | 13.6 | 7.02 | — |
| ICICIBANK ICICI Bank Limited | ₹1,423 | ₹10.2L Cr | 18.2 | 2.7 | 15.9 | 7.18 | — |
| SBIN State Bank of India | ₹1,016 | ₹9.4L Cr | 11.2 | 1.51 | 15.4 | 6.13 | — |
| BAJFINANCE Bajaj Finance Limited | ₹1,061 | ₹6.6L Cr | 32.2 | 5.8 | 18.2 | 10.9 | — |
| LICI Life Insurance Corporation Of India | ₹415 | ₹5.3L Cr | 8.75 | — | 37.8 | 35.1 | 0 |
| KOTAKBANK Kotak Mahindra Bank Limited | ₹425 | ₹4.2L Cr | 21.1 | 2.33 | 11.4 | 6.98 | — |
| AXISBANK Axis Bank Limited | ₹1,273 | ₹4.0L Cr | 14.3 | 1.79 | 13.1 | 6.24 | — |
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 newsPaisalo signs ₹500 Cr co-lending deal with FatakPay
*Paisalo signs ₹500 Cr co-lending deal with FatakPay* — Paisalo Digital has signed a **₹500 Cr** co-lending agreement with FatakPay to boost retail and MSME financing. The partnership aims to expand credit access through digital platforms. This strategic move strengthens Paisalo’s co-lending book and digital footprint. 📊 *STOCKS:* $PAISALO | 🏢 *SECTOR:* CapitalMarkets | #HIGHIMPACT #Co-Lending
CreditAccess Grameen raises ₹300 crore via NCDs
*CreditAccess Grameen raises ₹300 crore via NCDs*. The company secured **₹300 crore** through a bilateral issuance of non-convertible debentures (NCDs), strengthening its capital base. The funds will support portfolio growth and operational expansion in the microfinance sector. This move enhances liquidity without diluting equity. 📊 *STOCKS:* $CREDITACCESS | 🏢 *SECTOR:* CapitalMarkets | #MEDIUMIMPACT #Funding
Bank of America joins Jio Credit JV to tap India's credit boom
*Bank of America joins Jio Credit JV to tap India's credit boom.* The partnership aims to leverage India’s growing consumer credit market through digital infrastructure. While specific investment figures aren’t disclosed, the move signals strong confidence in fintech and digital lending. Strategic collaboration could enhance credit access and financial inclusion. 📊 *STOCKS:* | 🏢 *SECTOR:* CapitalMarkets | #MEDIUMIMPACT #Jio
GMR Airports raises ₹6,500 crore for expansion and refinancing.
*GMR Airports raises ₹6,500 crore for expansion and refinancing.* The funds will be used for debt refinancing and capital expenditure for ongoing airport projects. This move strengthens liquidity and supports future growth. The raise highlights improved credit access for infrastructure firms. 📊 *STOCKS:* $GMRM | 🏢 *SECTOR:* CapitalMarkets | #MEDIUMIMPACT #Fundraising
CreditAccess Grameen hosts analyst and investor meet.
*CreditAccess Grameen hosts analyst and investor meet.* The company held a conference call with analysts and institutional investors to discuss business updates. No major financial announcements or guidance changes were disclosed. The event was part of routine investor engagement. 📊 *STOCKS:* $CREDITACC | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #AnalystMeet
CreditAccess Grameen promoter sells 2.28% stake in ₹542 cr deal
*CreditAccess Grameen promoter CAI sells 2.28% stake via ₹542 cr block deal.* The transaction reflects a partial exit by the promoter, with the shares traded at a bulk discount. Such block deals often signal sentiment shifts, though no immediate change in control is expected. 📊 *STOCKS:* $CREDITACCESS | 🏢 *SECTOR:* CapitalMarkets | #MEDIUMIMPACT #StakeSale
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
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]
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