CREDITACCESS GRAMEEN LIMITED
Financial Services›Financial Services›Finance›Microfinance Institutions
Key metrics
Price as of 2026-07-20
Stock price
₹1498.00
Market cap
23,998 Cr
Stock P/E
24.8
P/B
3.06
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 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | — | — | — | — | — | — | — | — | — | — | — | — |
| Other income | 0.69 Cr | 1 Cr | 4 Cr | 6 Cr | 0.55 Cr | 1 Cr | 2 Cr | 1 Cr | 0.74 Cr | 0.67 Cr | 0.90 Cr | 1 Cr |
| Net operating income | 0.69 Cr | 1 Cr | 4 Cr | 6 Cr | 0.55 Cr | 1 Cr | 2 Cr | 1 Cr | 0.74 Cr | 0.67 Cr | 0.90 Cr | 1 Cr |
| Employee cost | 156 Cr | 318 Cr | 475 Cr | 669 Cr | 188 Cr | 377 Cr | 178 Cr | 175 Cr | 221 Cr | 219 Cr | 227 Cr | 212 Cr |
| Other expenses | 72 Cr | 157 Cr | 239 Cr | 325 Cr | 91 Cr | 182 Cr | 90 Cr | 105 Cr | 91 Cr | 99 Cr | 108 Cr | 112 Cr |
| Provisions & contingencies | — | — | — | — | — | — | — | — | — | — | — | — |
| Depreciation | 12 Cr | 24 Cr | 37 Cr | 51 Cr | 14 Cr | 32 Cr | 16 Cr | 15 Cr | 15 Cr | 16 Cr | 16 Cr | 16 Cr |
| Profit before tax | 467 Cr | 934 Cr | 1,410 Cr | 1,939 Cr | 535 Cr | 787 Cr | -129 Cr | 51 Cr | 81 Cr | 169 Cr | 338 Cr | 445 Cr |
| Tax % | 25.4% | 25.5% | 25.6% | 25.4% | 25.6% | 25.8% | 22.8% | 7.6% | 25.8% | 25.6% | 25.4% | 23.7% |
| Net profit | 348 Cr | 696 Cr | 1,049 Cr | 1,446 Cr | 398 Cr | 584 Cr | -100 Cr | 47 Cr | 60 Cr | 126 Cr | 252 Cr | 340 Cr |
| EPS (₹) | ₹21.93 | ₹43.74 | ₹65.95 | ₹90.88 | ₹24.95 | ₹36.62 | ₹-6.24 | ₹2.96 | ₹3.77 | ₹7.87 | ₹15.76 | ₹21.20 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | — | — | — | 2,114 Cr | 3,168 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 Cr | 5 Cr | 7 Cr | 2,120 Cr | 3,174 Cr | 4 Cr | 4 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 |
Sign in for TTM
Trailing twelve months totals and margin rows
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2020 | Mar 2021 | Mar 2022 | 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 | — | — | 3,822 Cr | 4,948 Cr | 6,411 Cr | 6,796 Cr | 7,682 Cr |
| Borrowings | — | — | — | 14,562 Cr | 19,774 Cr | 18,879 Cr | 22,729 Cr |
| Other liabilities | — | — | — | 2,189 Cr | 2,503 Cr | 1,968 Cr | 1,359 Cr |
| Total liabilities | — | — | — | 21,858 Cr | 28,846 Cr | 27,802 Cr | 31,930 Cr |
| Fixed assets (net) | — | — | — | 32 Cr | 32 Cr | 44 Cr | 44 Cr |
| CWIP | — | — | — | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr |
| Investments | — | — | — | 455 Cr | 1,439 Cr | 893 Cr | 1,075 Cr |
| Other assets | — | — | — | 1,341 Cr | 1,107 Cr | 1,271 Cr | 1,152 Cr |
| Total assets | — | — | — | 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 2020 | Mar 2021 | Mar 2022 | 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) | — | — | -2,734 Cr | -3,303 Cr | -4,746 Cr | 1,099 Cr | -2,785 Cr |
Ratios
Ratios as reported or derived per annual period.
| Metric | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| ROCE % | 723.4% | 712.9% | 36.8% | 11.8% | 13.9% | 10.3% | 9.6% |
| ROE % | 0.0% | 0.0% | 9.1% | 0.0% | 0.0% | 0.0% | 0.0% |
| Debtor days | — | — | — | 0 | 0 | 0 | 0 |
| Inventory days | — | — | — | 0 | 0 | 0 | 0 |
| Days payable | — | — | — | — | — | — | — |
| Cash conversion cycle | — | — | — | 0 | 0 | 0 | 0 |
| Debt / equity | — | 0.03 | 0.03 | 2.85 | 3.01 | 2.71 | 2.90 |
| Current ratio | — | — | — | — | — | — | — |
| Net debt / EBITDA | 0.00 | 0.00 | 0.00 | 5.60 | 5.02 | 6.48 | 7.20 |
Compare with peers
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