CREDITACCESS GRAMEEN LIMITED
CREDITACCESS GRAMEEN LIMITED (CREDITACC) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.
Financial Services›Financial Services›Finance›Microfinance Institutions
creditaccessgrameen.in(opens the company website in a new tab)Key metrics
Price as of 2026-09-03
Stock price
₹1437.40
Market cap
23,033 Cr
Stock P/E
17.2
P/B
2.94
Dividend yield
0.7%
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Share price
NSE closing price from historical market data.
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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 · NSE preferred when both exchanges report the same period · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 764 Cr | 803 Cr | 881 Cr | 927 Cr | 933 Cr | 863 Cr | 876 Cr | 906 Cr | 935 Cr | 976 Cr | 1,047 Cr | 1,164 Cr |
| Other income | 0.65 Cr | 3 Cr | 2 Cr | 0.55 Cr | 0.63 Cr | 2 Cr | 1 Cr | 0.74 Cr | 0.67 Cr | 0.90 Cr | 1 Cr | 0.92 Cr |
| Net operating income | 764 Cr | 806 Cr | 883 Cr | 927 Cr | 934 Cr | 864 Cr | 878 Cr | 907 Cr | 935 Cr | 977 Cr | 1,049 Cr | 1,165 Cr |
| Employee cost | 162 Cr | 157 Cr | 195 Cr | 188 Cr | 189 Cr | 178 Cr | 175 Cr | 221 Cr | 219 Cr | 227 Cr | 212 Cr | 242 Cr |
| Other expenses | 85 Cr | 82 Cr | 86 Cr | 91 Cr | 91 Cr | 90 Cr | 105 Cr | 91 Cr | 99 Cr | 108 Cr | 112 Cr | 103 Cr |
| Provisions & contingencies | — | — | — | — | — | — | — | — | — | — | — | — |
| Depreciation | 12 Cr | 13 Cr | 14 Cr | 14 Cr | 17 Cr | 16 Cr | 15 Cr | 15 Cr | 16 Cr | 16 Cr | 16 Cr | 16 Cr |
| Profit before tax | 467 Cr | 476 Cr | 529 Cr | 535 Cr | 252 Cr | -129 Cr | 51 Cr | 81 Cr | 169 Cr | 338 Cr | 445 Cr | 660 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 profit | 347 Cr | 353 Cr | 397 Cr | 398 Cr | 186 Cr | -100 Cr | 47 Cr | 60 Cr | 126 Cr | 252 Cr | 340 Cr | 493 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
| Metric | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 1,053 Cr | 1,361 Cr | 1,583 Cr | 2,114 Cr | 3,168 Cr | 3,599 Cr | 3,864 Cr | Sign in for TTM |
| Other income | 1 Cr | 5 Cr | 7 Cr | 6 Cr | 6 Cr | 4 Cr | 4 Cr | Sign in for TTM |
| Net operating income | 1,055 Cr | 1,367 Cr | 1,591 Cr | 2,120 Cr | 3,174 Cr | 3,603 Cr | 3,867 Cr | Sign in for TTM |
| Employee cost | 262 Cr | 380 Cr | 438 Cr | 515 Cr | 669 Cr | 730 Cr | 879 Cr | Sign in for TTM |
| Other expenses | 144 Cr | 159 Cr | 201 Cr | 265 Cr | 325 Cr | 377 Cr | 409 Cr | Sign in for TTM |
| Provisions & contingencies | — | — | — | — | — | — | — | Sign in for TTM |
| Depreciation | 20 Cr | 44 Cr | 47 Cr | 50 Cr | 51 Cr | 62 Cr | 63 Cr | Sign in for TTM |
| Profit before tax | 462 Cr | 180 Cr | 481 Cr | 1,105 Cr | 1,939 Cr | 709 Cr | 1,033 Cr | Sign in for TTM |
| Tax % | 27.3% | 27.2% | 25.7% | 25.3% | 25.4% | 25.0% | 24.7% | Sign in for TTM |
| Net profit | 335 Cr | 131 Cr | 357 Cr | 826 Cr | 1,446 Cr | 531 Cr | 778 Cr | Sign in for TTM |
| EPS (₹) | ₹23.20 | ₹8.96 | ₹23.31 | ₹52.04 | ₹90.88 | ₹33.32 | ₹48.63 | Sign in for TTM |
| Dividend payout % | — | — | 0.0% | 0.0% | 0.0% | 30.0% | 0.0% | Sign in for TTM |
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Trailing twelve months totals and margin rows
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Equity capital | 144 Cr | 156 Cr | 156 Cr | 159 Cr | 159 Cr | 160 Cr | 160 Cr |
| Reserves | 2,590 Cr | 3,536 Cr | 3,822 Cr | 4,948 Cr | 6,411 Cr | 6,796 Cr | 7,682 Cr |
| Borrowings | 9,540 Cr | 10,941 Cr | 12,921 Cr | 16,312 Cr | 21,841 Cr | 20,446 Cr | 23,641 Cr |
| Other liabilities | 207 Cr | 322 Cr | 398 Cr | 439 Cr | 435 Cr | 401 Cr | 447 Cr |
| Total liabilities | 12,590 Cr | 15,059 Cr | 17,395 Cr | 21,858 Cr | 28,846 Cr | 27,802 Cr | 31,930 Cr |
| Fixed assets (net) | 52 Cr | 24 Cr | 32 Cr | 32 Cr | 32 Cr | 44 Cr | 44 Cr |
| CWIP | 3 Cr | 68 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr |
| Investments | 46 Cr | 0.54 Cr | 0.54 Cr | 455 Cr | 1,439 Cr | 893 Cr | 1,075 Cr |
| Loans & advances | 11,099 Cr | 11,720 Cr | 14,765 Cr | 19,043 Cr | 25,105 Cr | 24,274 Cr | 27,923 Cr |
| Cash & bank | 645 Cr | 2,360 Cr | 1,581 Cr | 1,341 Cr | 1,107 Cr | 1,271 Cr | 1,152 Cr |
| Other assets | 745 Cr | 886 Cr | 1,017 Cr | 987 Cr | 1,163 Cr | 1,320 Cr | 1,737 Cr |
| Total assets | 12,590 Cr | 15,059 Cr | 17,395 Cr | 21,858 Cr | 28,846 Cr | 27,802 Cr | 31,930 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Cash from operating activity | — | — | -2,714 Cr | -3,290 Cr | -4,734 Cr | 1,125 Cr | -2,770 Cr |
| Cash from investing | — | — | -33 Cr | -314 Cr | -994 Cr | 708 Cr | -101 Cr |
| Cash from financing | — | — | 1,968 Cr | 3,365 Cr | 5,494 Cr | -1,669 Cr | 2,751 Cr |
| Net cash flow | — | — | -780 Cr | -239 Cr | -234 Cr | 164 Cr | -120 Cr |
| Free cash flow (OCF − Capex) | — | — | -2,742 Cr | -3,307 Cr | -4,754 Cr | 1,092 Cr | -2,788 Cr |
Ratios
Ratios as reported or derived per annual period.
| Metric | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| ROCE % | 8.4% | 7.5% | 36.8% | 10.8% | 12.9% | 9.7% | 9.3% |
| ROE % | 0.0% | 4.3% | 9.1% | 0.0% | 0.0% | 0.0% | 0.0% |
| Debtor days | — | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory days | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days payable | — | — | — | — | — | — | — |
| Cash conversion cycle | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt / equity | 3.49 | 0.03 | 0.03 | 3.19 | 3.32 | 2.94 | 3.01 |
| Current ratio | — | — | — | — | — | — | — |
| Net debt / EBITDA | 0.00 | 0.00 | 0.00 | 6.34 | 5.58 | 7.06 | 7.52 |
Regulatory ratios (standalone basis)
RBI/Basel III ratios — NPA, CET1, CRAR, NIM, ROA — for the licensed banking entity. Always sourced from the standalone filing, even on the consolidated view, since these have no consolidated-group definition.
| Metric | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021BSE balance sheet (this exchange's own filing had none for this period) | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Gross NPA | — | — | — | — | — | — | — |
| Gross NPA % | — | — | — | — | — | — | — |
| Net NPA | — | — | — | — | — | — | — |
| Net NPA % | — | — | — | — | — | — | — |
| CET1 % | — | — | — | — | — | — | — |
| Additional Tier 1 % | — | — | — | — | — | — | — |
| Capital adequacy % | — | — | — | — | — | — | — |
| NIM % | — | — | — | — | — | — | — |
| ROA % | — | — | — | — | — | — | — |
Compare with peers
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