CreditAccess Grameen Ltd

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CreditAccess Grameen Ltd

₹ 1,178 -1.18%
02 Apr - close price
creditaccessgrameen.in BSE: 541770 NSE: CREDITACC
About

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]

Key Points

Market Leader
CreditAccess Grameen Limited is a leading microfinance institution in India, providing financial services to low-income households, primarily women, in rural and semi-urban areas. It holds a 6% market share in the overall microfinance industry. [1][2]

Website BSE NSE
  • Market Cap ₹ 18,869 Cr.
  • Current Price ₹ 1,178
  • High / Low ₹ 1,497 / 860
  • Stock P/E 38.9
  • Book Value ₹ 448
  • Dividend Yield 0.00 %
  • ROCE 9.55 %
  • ROE 7.86 %
  • Face Value ₹ 10.0
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Pros

  • Company's median sales growth is 31.4% of last 10 years

Cons

  • Stock is trading at 2.63 times its book value
  • Company has low interest coverage ratio.
  • Dividend payout has been low at 3.67% of profits over last 3 years
  • Promoter holding has decreased over last 3 years: -7.43%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Microfinance Institutions

Part of BSE 500 Nifty 500 Nifty Smallcap 100 BSE Allcap BSE Financial Services

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
908 1,065 1,170 1,247 1,292 1,457 1,512 1,453 1,380 1,407 1,463 1,508 1,490
Interest 314 346 385 424 442 482 510 485 475 478 482 480 459
293 311 309 342 365 434 453 700 1,020 864 885 845 678
Financing Profit 301 409 477 481 486 542 549 269 -115 65 96 184 353
Financing Margin % 33% 38% 41% 39% 38% 37% 36% 18% -8% 5% 7% 12% 24%
2 1 1 1 3 2 1 1 2 1 1 1 1
Depreciation 13 12 12 12 13 14 14 17 16 15 15 16 16
Profit before tax 290 398 465 469 476 529 535 252 -129 51 81 169 338
Tax % 26% 25% 26% 26% 26% 25% 26% 26% -23% 8% 26% 26% 25%
216 297 346 349 353 397 398 186 -100 47 60 126 252
EPS in Rs 13.82 18.98 22.16 21.95 22.20 24.91 24.95 11.67 -6.24 2.96 3.77 7.87 15.75
Gross NPA % 1.48% 1.21% 0.89% 0.77% 0.97% 1.18% 1.46% 2.44% 3.99% 4.76% 4.70% 3.65% 4.04%
Net NPA % 0.35% 0.27% 0.24% 0.29% 0.35% 0.45% 0.76% 1.28% 1.73% 1.78% 1.26% 1.36%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
146 278 464 708 871 1,282 1,683 2,028 2,669 3,487 5,167 5,752 5,868
Interest 72 129 208 317 354 417 575 745 987 1,216 1,738 1,955 1,899
50 76 126 264 184 361 639 1,069 1,235 1,179 1,444 3,030 3,271
Financing Profit 24 74 130 128 332 504 470 214 447 1,092 1,984 767 698
Financing Margin % 16% 26% 28% 18% 38% 39% 28% 11% 17% 31% 38% 13% 12%
2 3 2 1 1 1 1 3 81 64 6 4 3
Depreciation 1 2 3 4 5 8 20 23 47 50 51 62 63
Profit before tax 25 75 130 124 328 498 451 194 481 1,105 1,939 709 639
Tax % 33% 35% 36% 35% 35% 35% 27% 27% 27% 25% 25% 25%
17 49 83 80 212 322 328 142 353 826 1,446 531 485
EPS in Rs 3.14 6.68 11.41 9.37 16.54 22.41 22.75 9.15 22.65 52.87 90.72 33.27 30.35
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 11% 0%
Compounded Sales Growth
10 Years: 35%
5 Years: 28%
3 Years: 29%
TTM: 1%
Compounded Profit Growth
10 Years: 27%
5 Years: 10%
3 Years: 15%
TTM: -45%
Stock Price CAGR
10 Years: %
5 Years: 13%
3 Years: 7%
1 Year: 18%
Return on Equity
10 Years: 14%
5 Years: 14%
3 Years: 16%
Last Year: 8%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 53 73 73 86 128 144 144 156 156 159 159 160 160
Reserves 154 303 387 605 1,309 2,222 2,525 3,479 4,011 4,948 6,411 6,796 7,004
Borrowing 805 1,291 2,233 2,668 3,623 4,867 7,823 8,781 12,921 16,312 21,841 20,446 20,103
46 60 115 205 53 126 170 281 394 439 460 401 411
Total Liabilities 1,058 1,727 2,808 3,564 5,114 7,357 10,662 12,697 17,482 21,858 28,871 27,802 27,679
3 4 11 12 16 25 87 101 629 599 609 604 585
CWIP 0 2 0 3 1 2 3 1 3 4 5 4 0
Investments 0 0 0 0 0 0 661 663 1 455 1,439 893 1,238
1,055 1,720 2,796 3,549 5,096 7,330 9,911 11,932 16,849 20,801 26,818 26,302 25,855
Total Assets 1,058 1,727 2,808 3,564 5,114 7,357 10,662 12,697 17,482 21,858 28,871 27,802 27,679

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-931 -425 -1,726 -1,378 -2,302 -364 -2,713 -3,290 -4,734 1,125
-4 -5 54 -7 -636 -32 -33 -314 -994 708
934 579 1,470 1,829 2,929 1,706 1,967 3,365 5,494 -1,669
Net Cash Flow -1 149 -202 444 -9 1,310 -780 -239 -234 164
Free Cash Flow -939 -433 -1,731 -1,396 -2,323 -376 -2,741 -3,307 -4,754 1,092
CFO/OP -262% -79% -241% -130% -205% -27% -181% -132% -112% 54%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 10% 17% 20% 14% 20% 17% 13% 5% 9% 18% 25% 8%

Insights

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Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Gross Loan Portfolio (AUM)
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Gross NPA/GNPA (%)
%
Number of Active Borrowers
Lakh
Number of Branches
Numbers
Total Employees
Numbers
Collection Efficiency (Excl. Arrears)
%

Shareholding Pattern

Numbers in percentages

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
73.68% 66.77% 66.69% 66.66% 66.58% 66.56% 66.54% 66.50% 66.43% 66.43% 66.37% 66.28%
9.67% 9.55% 11.46% 12.00% 11.65% 10.88% 10.76% 9.76% 11.38% 12.13% 12.29% 11.68%
12.27% 11.90% 15.78% 15.79% 15.76% 16.25% 14.86% 14.17% 12.67% 12.76% 13.33% 13.23%
4.38% 11.77% 6.08% 5.57% 6.01% 6.31% 7.83% 9.57% 9.50% 8.67% 8.02% 8.81%
No. of Shareholders 41,97940,62251,17257,98969,82483,6031,03,9281,25,0041,19,8191,01,90283,94385,666

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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