About
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.
Key Metrics
as of Sep 2026Market Cap23,155 Cr
P/E19.10
Div Yield0.00 %
Book Value₹490.00
52w High₹1,634.00
52w Low₹1,113.00
Face Value₹10.00
Quarterly Results
Rs. Crores · hover row for definition| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 558.00 | 660.00 | 678.00 | 845.00 | 885.00 | 864.00 | 1,020.00 | 700.00 | 453.00 | 434.00 | 365.00 | 342.00 | 309.00 |
| Other Income | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 2.00 | 1.00 | 1.00 | 2.00 | 3.00 | 1.00 | 1.00 |
| Depreciation | 16.00 | 16.00 | 16.00 | 16.00 | 15.00 | 15.00 | 16.00 | 17.00 | 14.00 | 14.00 | 13.00 | 12.00 | 12.00 |
| Interest | 550.00 | 478.00 | 459.00 | 480.00 | 482.00 | 478.00 | 475.00 | 485.00 | 510.00 | 482.00 | 442.00 | 424.00 | 385.00 |
| Profit before tax | 660.00 | 445.00 | 338.00 | 169.00 | 81.00 | 51.00 | -129.00 | 252.00 | 535.00 | 529.00 | 476.00 | 469.00 | 465.00 |
| Tax % | 25.00 | 24.00 | 25.00 | 26.00 | 26.00 | 8.00 | -23.00 | 26.00 | 26.00 | 25.00 | 26.00 | 26.00 | 26.00 |
| Net Profit | 493.00 | 340.00 | 252.00 | 126.00 | 60.00 | 47.00 | -100.00 | 186.00 | 398.00 | 397.00 | 353.00 | 349.00 | 346.00 |
| EPS in Rs | 30.79 | 21.20 | 15.75 | 7.87 | 3.77 | 2.96 | -6.24 | 11.67 | 24.95 | 24.91 | 22.20 | 21.95 | 22.16 |
Profit & Loss
Annual · Rs. Crores| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 3,061.00 | 3,030.00 | 1,444.00 | 1,179.00 | 1,235.00 | 1,069.00 | 639.00 | 361.00 | 184.00 | 264.00 | 126.00 | 76.00 |
| Other Income | 4.00 | 4.00 | 6.00 | 64.00 | 81.00 | 3.00 | 1.00 | 1.00 | 1.00 | 1.00 | 2.00 | 3.00 |
| Interest | 1,905.00 | 1,955.00 | 1,738.00 | 1,216.00 | 987.00 | 745.00 | 575.00 | 417.00 | 354.00 | 317.00 | 208.00 | 129.00 |
| Depreciation | 63.00 | 62.00 | 51.00 | 50.00 | 47.00 | 23.00 | 20.00 | 8.00 | 5.00 | 4.00 | 3.00 | 2.00 |
| Profit before tax | 1,033.00 | 709.00 | 1,939.00 | 1,105.00 | 481.00 | 194.00 | 451.00 | 498.00 | 328.00 | 124.00 | 130.00 | 75.00 |
| Tax % | 25.00 | 25.00 | 25.00 | 25.00 | 27.00 | 27.00 | 27.00 | 35.00 | 35.00 | 35.00 | 36.00 | 35.00 |
| Net Profit | 778.00 | 531.00 | 1,446.00 | 826.00 | 353.00 | 142.00 | 328.00 | 322.00 | 212.00 | 80.00 | 83.00 | 49.00 |
| EPS in Rs | 48.54 | 33.27 | 90.72 | 52.87 | 22.65 | 9.15 | 22.75 | 22.41 | 16.54 | 9.37 | 11.41 | 6.68 |
| Dividend Payout % | 0.00 | 0.00 | 11.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Balance Sheet
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 160.00 | 160.00 | 159.00 | 159.00 | 156.00 | 156.00 | 144.00 | 144.00 | 128.00 | 86.00 | 73.00 | 73.00 |
| Reserves | 7,682.00 | 6,796.00 | 6,411.00 | 4,948.00 | 4,011.00 | 3,479.00 | 2,525.00 | 2,222.00 | 1,309.00 | 605.00 | 387.00 | 303.00 |
| Other Liabilities | 446.00 | 401.00 | 460.00 | 439.00 | 394.00 | 281.00 | 170.00 | 126.00 | 53.00 | 205.00 | 115.00 | 60.00 |
| Total Liabilities | 31,930.00 | 27,802.00 | 28,871.00 | 21,858.00 | 17,482.00 | 12,697.00 | 10,662.00 | 7,357.00 | 5,114.00 | 3,564.00 | 2,808.00 | 1,727.00 |
| Fixed Assets | 588.00 | 604.00 | 609.00 | 599.00 | 629.00 | 101.00 | 87.00 | 25.00 | 16.00 | 12.00 | 11.00 | 4.00 |
| CWIP | 0.00 | 4.00 | 5.00 | 4.00 | 3.00 | 1.00 | 3.00 | 2.00 | 1.00 | 3.00 | 0.00 | 2.00 |
| Investments | 1,075.00 | 893.00 | 1,439.00 | 455.00 | 1.00 | 663.00 | 661.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Assets | 30,267.00 | 26,302.00 | 26,818.00 | 20,801.00 | 16,849.00 | 11,932.00 | 9,911.00 | 7,330.00 | 5,096.00 | 3,549.00 | 2,796.00 | 1,720.00 |
| Total Assets | 31,930.00 | 27,802.00 | 28,871.00 | 21,858.00 | 17,482.00 | 12,697.00 | 10,662.00 | 7,357.00 | 5,114.00 | 3,564.00 | 2,808.00 | 1,727.00 |
Cash Flows
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | -2,770.00 | 1,125.00 | -4,734.00 | -3,290.00 | -1,969.00 | -364.00 | -2,302.00 | -1,378.00 | -1,726.00 | -425.00 | -931.00 |
| Cash from Investing Activity | -101.00 | 708.00 | -994.00 | -314.00 | -189.00 | -32.00 | -636.00 | -7.00 | 54.00 | -5.00 | -4.00 |
| Cash from Financing Activity | 2,751.00 | -1,669.00 | 5,494.00 | 3,365.00 | 1,684.00 | 1,706.00 | 2,929.00 | 1,829.00 | 1,470.00 | 579.00 | 934.00 |
| Net Cash Flow | -120.00 | 164.00 | -234.00 | -239.00 | -473.00 | 1,310.00 | -9.00 | 444.00 | -202.00 | 149.00 | -1.00 |
| Free Cash Flow | -2,788.00 | 1,092.00 | -4,754.00 | -3,307.00 | -1,992.00 | -376.00 | -2,323.00 | -1,396.00 | -1,731.00 | -433.00 | -939.00 |
| CFO/OP % | -86.00 | 54.00 | -112.00 | -132.00 | -129.00 | -27.00 | -205.00 | -130.00 | -241.00 | -79.00 | -262.00 |
Ratios
Annual · Days / % — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|
Corporate Actions
3 records| Action | Ex Date | Record Date | Ratio | Amount (₹) | Notes |
|---|---|---|---|---|---|
| Dividend | 26 Jul 2024 | 26 Jul 2024 | — | 10.00 | |
| Other | 06 Aug 2020 | — | — | — | Annual General Meeting |
| Other | 25 Jul 2019 | — | — | — | Annual General Meeting |
Announcements
5 filingsShareholding Pattern
Open on BSEFinancial Results — Filings
Open on BSEBoard Filings
Open on BSEAnnual Reports
Credit Ratings
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Rating update20 Aug from crisil
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Rating update24 Jun from crisil
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Rating update3 Jun from icra
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Rating update21 Apr from fitch
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Rating update17 Apr from crisil
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Rating update24 Mar from icra
Conference Calls
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