CREDITACC · NSE
CREDITACCESS GRAMEEN LIMITED
₹1,387.6
+1.23% (+₹16.8)
Prev. close
₹1,370.8
Volume
1,49,069
Delivery %
51.4%
As of
18 Sept 2026
Price history
No analyst calls on this stock in the last 90 days yet.
Explore by date range →Analyst opinions
Fundamentals
About CREDITACCESS GRAMEEN LIMITED
CreditAccess Grameen Limited, a non-banking financial company, provides micro finance services for women from poor and low-income households in India. The company offers microcredit loans for income generation, home improvement, emergency, family welfare, and Grameen Unnati, as well as Grameen Suraksha, Grameen Sanchay, life insurance, and national pension schemes. It also provides retail finance loans, such as Grameen Vikas, Unnati loan, Grameen two-wheeler, Grameen Vishesh loan, and Grameen housing loan. In addition, the company offers digital lending products comprising Grameen Mahi, a customer app, Pragathi digital and multi-purpose digital loans. The company was formerly known as Grameen Koota Financial Services Private Limited and changed its name to CreditAccess Grameen Limited in January 2018. CreditAccess Grameen Limited was incorporated in 1991 and is headquartered in Bengaluru, India. CreditAccess Grameen Limited is a subsidiary of CreditAccess India BV.
Details
Sector
Financial Services
Industry
Credit Services
CEO
Mr. Ganesh Narayanan
Headquarters
Bengaluru
Employees
21,941
Website
creditaccessgrameen.inExchange
View on NSE ↗Key stats
Market cap
₹22,237.61 Cr
P/E ratio (TTM)
18.4
EPS (TTM)
₹75.39
Beta (1Y · daily vs NIFTY 50)
0.89
Beta (5Y · monthly vs NIFTY 50)
0.68
Shares float
5.77 Cr
EPS · quarter ended Jun 2026
₹30.65
Financial Performance
01 · Financials
FY21 growth needs FY20 filings, which the data source doesn't provide. Net income is omitted from this chart: coverage begins inside the plotted window, and every plotted period must carry a complete point set — the P&L table below has the available figures.
02 · Earnings Per Share (EPS)
03 · Dividend Profile
Growth compares completed fiscal-year dividend totals on the company's own calendar: April–March (Indian FY), taken from its reported period-ends. Payout ledger: NSE corporate actions.
04 · Operating Efficiency (Growth Rates)
Balance-sheet-based · pre-FY23 not filed in verifiable form
05 · Capital Structure & Asset Utilization
Pre-FY23 not filed in verifiable form
Asset turnover needs a prior year of assets — omitted for the earliest available year.
06 · Asset Base Composition
Pre-FY23 not filed in verifiable form
07 · Debt Level & Coverage
Pre-FY23 not filed in verifiable form
08 · Profit & Loss
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹2,460.74 Cr | ₹2,742.82 Cr | ₹3,545.12 Cr | ₹5,166.67 Cr | ₹5,752.33 Cr | ₹6,058.92 Cr | |
| EBITDA | ₹1,153.19 Cr | ₹1,512.16 Cr | ₹1,313.95 Cr | ₹2,208.18 Cr | ₹968.95 Cr | ₹1,235.63 Cr |
| — | ₹363.04 Cr | ₹826.06 Cr | ₹1,445.93 Cr | ₹531.40 Cr | ₹777.64 Cr | |
| Diluted EPS | ₹8.9 | ₹23.22 | ₹51.82 | ₹90.41 | ₹33.24 | ₹48.44 |
Net income has filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
09 · Balance Sheet
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹15,060.00 Cr | ₹17,482.00 Cr | ₹21,858.00 Cr | ₹28,871.00 Cr | ₹27,802.00 Cr | ₹31,930.00 Cr | |
| — | — | ₹16,312.26 Cr | ₹21,841.01 Cr | ₹20,445.77 Cr | ₹23,641.13 Cr | |
| Stockholders' equity | ₹3,692.00 Cr | ₹4,167.00 Cr | ₹5,107.00 Cr | ₹6,570.00 Cr | ₹6,956.00 Cr | ₹7,842.00 Cr |
Current assets, Inventory, Non-current assets, CWIP, Others, Total debt, Long-term debt, Current (short-term) debt have filed figures for only some of the years shown — no further verified source covers the rest, so those years are left blank rather than estimated.
Annual only — the data source doesn’t publish quarterly balance-sheet detail for most NSE-listed companies.
10 · Cash Flow Statement
Annual
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|
| ₹-455.00 Cr | ₹-2,713.00 Cr | ₹-3,290.00 Cr | ₹-4,734.00 Cr | ₹1,125.00 Cr | ₹-2,770.00 Cr | |
| Investing cash flow | ₹23.53 Cr | ₹-32.96 Cr | ₹-314.43 Cr | ₹-994.20 Cr | ₹708.34 Cr | ₹-100.65 Cr |
| ₹2,146.00 Cr | ₹1,967.00 Cr | ₹3,365.00 Cr | ₹5,494.00 Cr | ₹-1,669.00 Cr | ₹2,751.00 Cr | |
| Capital expenditure | ₹-14.56 Cr | ₹-27.86 Cr | ₹-17.32 Cr | ₹-20.31 Cr | ₹-33.65 Cr | ₹-17.60 Cr |
| End cash position | ₹2,360.09 Cr | ₹1,580.55 Cr | ₹1,341.41 Cr | ₹1,107.29 Cr | ₹1,271.49 Cr | ₹1,151.58 Cr |
Annual only — the data source has no quarterly cash-flow-statement coverage.
11 · Shareholding Pattern
NSE, quarterly
| Line item | Mar 21 | Sep 21 | Dec 21 | Mar 22 | Jun 22 | Sep 22 | Dec 22 | Mar 23 | Jun 23 | Sep 23 | Dec 23 | Mar 24 | Jun 24 | Sep 24 | Dec 24 | Mar 25–Jun 25(2Q) | Sep 25 | Dec 25 | Mar 26 | Jun 26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 73.99% | 73.91% | 73.89% | 73.85% | 73.82% | 73.74% | 73.71% | 73.68% | 66.77% | 66.69% | 66.66% | 66.58% | 66.56% | 66.54% | 66.50% | 66.43% | 66.37% | 66.28% | 66.24% | 66.21% |
| Public | 26.01% | 26.09% | 26.11% | 26.15% | 26.18% | 26.26% | 26.29% | 26.32% | 33.23% | 33.31% | 33.34% | 33.42% | 33.44% | 33.46% | 33.50% | 33.57% | 33.63% | 33.72% | 33.76% | 33.79% |
| Employee trusts | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Source: NSE quarterly shareholding-pattern filings, collapsed to periods where the reported percentages held steady — a column spanning several quarters means no change was filed across them. No FII/DII sub-split available from this source — Public includes all non-promoter, non-employee-trust holders.
12 · Peer Comparison
Financial Services
| Company | ||||||||
|---|---|---|---|---|---|---|---|---|
| HDFC Bank Limited | ₹11.27 L Cr | ₹731 | 16.2 | 1.38 | 8.6% | 0.81 | +4.7% | -25.2% |
| ICICI Bank Limited | ₹9.75 L Cr | ₹1,347.6 | 17.6 | 2.69 | 14.9% | 0.57 | +9.1% | -5.0% |
| State Bank of India | ₹9.16 L Cr | ₹996.2 | 10.6 | 1.54 | 14.0% | 1.22 | +9.2% | +16.6% |
| Bajaj Finance Limited | ₹6.31 L Cr | ₹1,040.3 | 31.1 | 5.54 | 16.7% | 3.10 | +19.7% | +4.4% |
| Life Insurance Corporation Of India | ₹5.06 L Cr | ₹407.7 | 8.4 | 2.87 | 32.5% | — | +8.7% | -54.2% |
| Kotak Mahindra Bank Limited | ₹4.08 L Cr | ₹415 | 20.5 | 2.25 | 10.6% | 0.53 | -0.3% | -79.5% |
| Axis Bank Limited | ₹3.86 L Cr | ₹1,240 | 14.0 | 1.80 | 12.3% | 1.30 | +4.0% | +10.1% |
| Bajaj Finserv Limited | ₹2.98 L Cr | ₹1,852.5 | 29.4 | 3.82 | 12.6% | 4.64 | +13.6% | -10.5% |
| Shriram Finance Limited | ₹2.34 L Cr | ₹1,010 | 17.6 | 3.55 | 15.2% | 2.76 | +13.9% | +61.1% |
| SBI Life Insurance Company Limited | ₹1.77 L Cr | ₹1,731 | 68.0 | 9.29 | 12.9% | — | -4.3% | -5.0% |
| ICICI Prudential Asset Management Company Limited | ₹1.53 L Cr | ₹3,098 | 43.8 | 36.57 | 79.1% | — | +23.1% | — |
| CREDITACCESS GRAMEEN LIMITED | ₹21,968.38 Cr | ₹1,387.6 | 18.2 | 2.80 | 9.9% | 3.01 | +5.3% | -0.1% |
Ranked by market cap within Financial Services, same metrics as the Fundamentals screener. Click a column to sort.
Documents
Annual reports
Concall transcripts
Show all 11
Official documents linked from their sources — offer documents as filed with SEBI (sebi.gov.in), annual reports and earnings-call transcripts as published on BSE (bseindia.com) and NSE (nseindia.com). Links open the source's own hosting; nothing is re-hosted here.
Index membership
20 indices
NSE weights are a free-float market-cap-share estimate, not NSE’s own published (and sometimes capped) index weight. BSE weights are BSE’s own published index weight, not an estimate. Indices without weight data are listed without one, in alphabetical order after the weighted ones.