CREDITACC

CREDITACCESS GRAMEEN LIMITED

Microfinance institution offering group and individual business loans

Financial Services›Financial Services›Finance›Microfinance Institutions

creditaccessgrameen.in(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-19

Stock price
₹1226.50
Market cap
19,654 Cr
Stock P/E
16.2
P/B
2.50
Dividend yield
0.8%
ROE (FY26)
9.9%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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What you need to know

CreditAccess Grameen is a microfinance lender that gives group loans, and also individual and secured loans, to women and other members of low- and middle-income households across 16 states and one union territory of India.

Company snapshot

1stBy market cap

Ranked among 5 companies in Microfinance Institutions.

What we see

Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.
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Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income764 Cr803 Cr881 Cr927 Cr933 Cr863 Cr876 Cr906 Cr935 Cr976 Cr1,047 Cr1,164 Cr
Other income0.65 Cr3 Cr2 Cr0.55 Cr0.63 Cr2 Cr1 Cr0.74 Cr0.67 Cr0.90 Cr1 Cr0.92 Cr
Net operating income764 Cr806 Cr883 Cr927 Cr934 Cr864 Cr878 Cr907 Cr935 Cr977 Cr1,049 Cr1,165 Cr
Employee cost162 Cr157 Cr195 Cr188 Cr189 Cr178 Cr175 Cr221 Cr219 Cr227 Cr212 Cr242 Cr
Other expenses85 Cr82 Cr86 Cr91 Cr91 Cr90 Cr105 Cr91 Cr99 Cr108 Cr112 Cr103 Cr
Provisions & contingencies————————————
Depreciation12 Cr13 Cr14 Cr14 Cr17 Cr16 Cr15 Cr15 Cr16 Cr16 Cr16 Cr16 Cr
Profit before tax467 Cr476 Cr529 Cr535 Cr252 Cr-129 Cr51 Cr81 Cr169 Cr338 Cr445 Cr660 Cr
Tax %25.7%25.7%25.0%25.6%26.2%22.8%7.6%25.8%25.6%25.4%23.7%25.2%
Net profit347 Cr353 Cr397 Cr398 Cr186 Cr-100 Cr47 Cr60 Cr126 Cr252 Cr340 Cr493 Cr
EPS (₹)₹21.82₹22.20₹24.93₹24.95₹11.67₹-6.24₹2.96₹3.77₹7.87₹15.76₹21.20₹30.79

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income1,053 Cr1,361 Cr1,583 Cr2,114 Cr3,168 Cr3,599 Cr3,864 CrSign in free for the trailing twelve months
Other income1 Cr5 Cr7 Cr6 Cr6 Cr4 Cr4 CrSign in free for the trailing twelve months
Net operating income1,055 Cr1,367 Cr1,591 Cr2,120 Cr3,174 Cr3,603 Cr3,867 CrSign in free for the trailing twelve months
Employee cost262 Cr380 Cr438 Cr515 Cr669 Cr730 Cr879 CrSign in free for the trailing twelve months
Other expenses144 Cr159 Cr201 Cr265 Cr325 Cr377 Cr409 CrSign in free for the trailing twelve months
Provisions & contingencies———————Sign in free for the trailing twelve months
Depreciation20 Cr44 Cr47 Cr50 Cr51 Cr62 Cr63 CrSign in free for the trailing twelve months
Profit before tax462 Cr180 Cr481 Cr1,105 Cr1,939 Cr709 Cr1,033 CrSign in free for the trailing twelve months
Tax %27.3%27.2%25.7%25.3%25.4%25.0%24.7%Sign in free for the trailing twelve months
Net profit335 Cr131 Cr357 Cr826 Cr1,446 Cr531 Cr778 CrSign in free for the trailing twelve months
EPS (₹)₹23.20₹8.96₹23.31₹52.04₹90.88₹33.32₹48.63Sign in free for the trailing twelve months
Dividend payout %—0.0%0.0%0.0%0.0%30.0%0.0%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital144 Cr156 Cr156 Cr159 Cr159 Cr160 Cr160 Cr
Reserves2,590 Cr3,536 Cr3,822 Cr4,948 Cr6,411 Cr6,796 Cr7,682 Cr
Borrowings9,540 Cr10,941 Cr12,921 Cr16,312 Cr21,841 Cr20,446 Cr23,641 Cr
Other liabilities207 Cr322 Cr398 Cr439 Cr435 Cr401 Cr447 Cr
Total liabilities12,590 Cr15,059 Cr17,395 Cr21,858 Cr28,846 Cr27,802 Cr31,930 Cr
Fixed assets (net)52 Cr24 Cr32 Cr32 Cr32 Cr44 Cr44 Cr
CWIP3 Cr68 Cr0 Cr0 Cr0 Cr0 Cr0 Cr
Investments46 Cr0.54 Cr0.54 Cr455 Cr1,439 Cr893 Cr1,075 Cr
Loans & advances11,099 Cr11,720 Cr14,765 Cr19,043 Cr25,105 Cr24,274 Cr27,923 Cr
Cash & bank645 Cr2,360 Cr1,581 Cr1,341 Cr1,107 Cr1,271 Cr1,152 Cr
Other assets745 Cr886 Cr1,017 Cr987 Cr1,163 Cr1,320 Cr1,737 Cr
Total assets12,590 Cr15,059 Cr17,395 Cr21,858 Cr28,846 Cr27,802 Cr31,930 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-2,228 Cr-455 Cr-2,714 Cr-3,290 Cr-4,734 Cr1,125 Cr-2,770 Cr
Cash from investing-638 Cr24 Cr-33 Cr-314 Cr-994 Cr708 Cr-101 Cr
Cash from financing2,921 Cr2,146 Cr1,968 Cr3,365 Cr5,494 Cr-1,669 Cr2,751 Cr
Net cash flow54 Cr1,715 Cr-780 Cr-239 Cr-234 Cr164 Cr-120 Cr
Free cash flow (OCF − Capex)-2,250 Cr-469 Cr-2,742 Cr-3,307 Cr-4,754 Cr1,092 Cr-2,788 Cr

Ratios

MetricMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %11.8%3.5%8.9%16.2%22.0%7.6%9.9%
Debt / equity3.492.963.253.193.322.943.01