CREDITACCESS GRAMEEN LIMITED Share Price & Analysis
Price Chart
Fundamentals
Strengths
- Attractively valued vs sector (P/E 10.4x vs industry 33.1x)
- Near 52-week low — potential value zone (₹994)
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 | ₹685 | ₹10.7L Cr | 13.3 | 1.75 | 13.6 | 7.02 | — |
| ICICIBANK ICICI Bank Limited | ₹1,378 | ₹10.0L Cr | 17 | 2.55 | 15.9 | 7.18 | — |
| SBIN State Bank of India | ₹957 | ₹8.8L Cr | 10.5 | 1.42 | 15.4 | 6.13 | — |
| BAJFINANCE Bajaj Finance Limited | ₹917 | ₹5.8L Cr | 26.4 | 4.63 | 18.2 | 10.9 | — |
| LICI Life Insurance Corporation Of India | ₹391 | ₹4.8L Cr | 8.03 | 2.8 | 37.8 | 35.1 | 0 |
| KOTAKBANK Kotak Mahindra Bank Limited | ₹440 | ₹4.3L Cr | 20.2 | 2.24 | 11.4 | 6.98 | — |
| AXISBANK Axis Bank Limited | ₹1,220 | ₹3.8L Cr | 12.7 | 1.65 | 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 September 30, 2026 and other business matters
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 shares up 4% on Sep 2026 updates
*CreditAccess Grameen shares rise 4% following interim business updates for September 2026.* The company reported steady portfolio growth with AUM at **₹26,487 crore**, up **7.2% YoY**. Client base expanded to **7.1 million**, reflecting strong rural demand. Disbursements grew **9% QoQ**, signaling healthy loan demand. 📊 *STOCKS:* $CREDITACC | 🏢 *SECTOR:* CapitalMarkets | #MEDIUMIMPACT #CapitalMarkets
Moneyboxx Finance raises ₹84 crore in fresh debt
*Moneyboxx Finance raises ₹84 crore in fresh debt.* The company has raised **₹84 crore** in debt funding, with Bandhan Bank joining as a new lender. This capital infusion will strengthen its lending capacity and support future growth. The move highlights improved credit access for smaller NBFCs. 📊 *STOCKS:* $MONEYBOXX | 🏢 *SECTOR:* CapitalMarkets | #MEDIUMIMPACT #Funding
Credit-to-GDP ratio expected to rise on expanding access
*Credit-to-GDP ratio expected to rise on expanding access.* Economists predict broader credit access will drive the ratio higher in India. This reflects improving financial inclusion and rising credit demand across sectors. A growing credit-to-GDP ratio signals economic momentum and increased borrowing activity. 📊 *STOCKS:* | 🏢 *SECTOR:* Macro | #MEDIUMIMPACT #creditgrowth
CreditAccess Grameen to discuss Q2 FY27 results in investor call
*CreditAccess Grameen to discuss Q2 FY27 results in upcoming investor call.* The company has scheduled an analyst and institutional investor meet to review performance. **No financial results or major announcements** have been disclosed yet. This is a routine update ahead of formal disclosures. 📊 *STOCKS:* $CREDITACCESS | 🏢 *SECTOR:* Financial Services | #LOWIMPACT #Earnings
CreditAccess Grameen publishes mandatory newspaper notice
*CreditAccess Grameen publishes mandatory newspaper notice.* This is a routine regulatory disclosure as per NSE listing norms. No financial or operational impact is expected. Such filings are standard practice for listed entities. 📊 *STOCKS:* $CREDITACC | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #CorporateFiling
CreditAccess Grameen allots 14,575 shares under ESOP
*CreditAccess Grameen allots 14,575 shares under ESOP.* The allotment is part of the company's employee stock ownership program. Such moves are routine and typically impact share count marginally. No immediate financial or strategic shift is indicated. 📊 *STOCKS:* $CREDITACC | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #ESOP
CreditAccess Grameen hosts analyst and investor call
*CreditAccess Grameen hosts analyst and investor call*. Company updated institutional investors on business performance and outlook during the recent con-call. The meet focused on portfolio quality, disbursement trends, and regional expansion plans. No major policy or financial changes were announced. 📊 *STOCKS:* $CREDITACAG | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #InvestorMeet
CreditAccess Grameen allots 19,360 shares under ESOPs.
*CreditAccess Grameen allots 19,360 shares under employee stock ownership plans.* The allotment is part of the company’s ongoing ESOP/ESOS/ESPS program. **19,360 shares** were issued, increasing outstanding equity slightly. This move aligns with retention and incentive strategies for employees. 📊 *STOCKS:* $CREDITACC | 🏢 *SECTOR:* Banking | #LOWIMPACT #ESOP
CreditAccess Grameen updates investors in analyst meet
*CreditAccess Grameen updates investors in analyst meet*. Company shared recent business updates during an analyst and institutional investor meet. The discussion covered performance metrics and strategic outlook. No major financial announcements or guidance changes were disclosed. 📊 *STOCKS:* $CARE | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #AnalystMeet
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 | Sep 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|---|
Liabilities | |||||||||
| Equity Capital | ₹161 Cr 0.6% | ₹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 | ₹8.8K Cr 14.0% | ₹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 | ₹403 Cr 9.8% | ₹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 | ₹34.5K Cr 7.9% | ₹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 | ₹578 Cr 1.7% | ₹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 | ₹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 | ₹1.9K Cr 79.2% | ₹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 | ₹31.9K Cr 5.5% | ₹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 | ₹34.5K Cr 7.9% | ₹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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