Financial Services · NIFTY 500
CREDITACCESS GRAMEEN LIMITED
NSECREDITACC
BSE541770 ISININE741K01010 SeriesEQ Listed on NSE · BSE
₹1,102.00 +18.80 (+1.74%) Updated 12 Nov, 8:49 pm IST
Price, daily close-20.97% in a year
Today
- Open
- ₹1,091.70
- Prev close
- ₹1,083.20
- Day high
- ₹1,137.90
- Day low
- ₹1,084.00
- Volume
- 5.42 L
- Value traded
- ₹60.45 Cr
- Upper circuit
- ₹1,299.80
- Lower circuit
- ₹866.60
- 52W high
- ₹1,634.00
- 52W low
- ₹993.90
- 1 month
- -13.80%
- 6 months
- -26.46%
52W low52W high
Ratios
Key numbers
Worked out from the latest filings (Consolidated) and today's price. TTM = last four quarters.
Market cap₹17,689 Cr
P/E (TTM)11.18
P/B1.98
Book value / share₹555.63
EPS (TTM)₹98.56
ROE0.0%
Dividend yield—
Dividend (12m)—
Net margin (TTM)0.0%
Operating marginn/a (bank)
Debt / equityn/a (bank)
Current ratio—
EV / EBITDA—
Sales growth (YoY qtr)+26.21%
Profit growth (YoY qtr)—
Sales CAGR 3Y+19.56%
Profit CAGR 3Y—
Shares16.05 Cr
Quarterly results
Results for each quarter
Last 12 quarters, consolidated, ₹ crore. Hover a bar to see the number.
Revenue and net profit
Dec 23
Mar 24
Jun 24
Sep 24
Dec 24
Mar 25
Jun 25
Sep 25
Dec 25
Mar 26
Jun 26
Sep 26
Revenue · QoQ (vs last quarter)
—+13%+3.7%-3.9%-5.0%+1.9%+4.0%+3.1%-1.2%+7.2%+12%+6.7%
Revenue · YoY (vs a year ago)
————+6.8%-3.5%-3.2%+3.8%+8.0%+14%+22%+26%
Net profit · QoQ (vs last quarter)
—-100%——————————
Net profit · YoY (vs a year ago)
————-100%———————
RevenueNet profitLine = trend
Dec 23
Mar 24
Jun 24
Sep 24
Dec 24
Mar 25
Jun 25
Sep 25
Dec 25
Mar 26
Jun 26
Sep 26
EPS (₹) · YoY (vs a year ago)
————-128%-88%-85%-33%+351%+616%+715%+297%
EPS (₹)Line = trend
| ₹ Cr | Dec 23 | Mar 24 | Jun 24 | Sep 24 | Dec 24 | Mar 25 | Jun 25 | Sep 25 | Dec 25 | Mar 26 | Jun 26 | Sep 26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 1,292 | 1,457 | 1,512 | 1,453 | 1,380 | 1,407 | 1,463 | 1,508 | 1,490 | 1,597 | 1,783 | 1,904 |
| Other income | 3.0 | 1.6 | 0.6 | 0.6 | 1.6 | 1.1 | 0.7 | 0.7 | 0.9 | 1.3 | 0.9 | 1.1 |
| Total income | 1,295 | 1,459 | 1,513 | 1,454 | 1,382 | 1,408 | 1,464 | 1,509 | 1,491 | 1,599 | 1,784 | 1,905 |
| Raw material | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Purchases | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Employee cost | 157 | 195 | 188 | 189 | 178 | 175 | 221 | 219 | 227 | 212 | 242 | 254 |
| Other expenses | 81.8 | 85.6 | 90.6 | 91.0 | 89.6 | 105 | 91.1 | 99.0 | 108 | 112 | 103 | 109 |
| Total expenses | 820 | 930 | 978 | 1,202 | 1,511 | 1,357 | 1,383 | 1,340 | 1,153 | 1,154 | 1,124 | 1,234 |
| Finance cost | 442 | 482 | 510 | 485 | 475 | 478 | 482 | 480 | 459 | 478 | 550 | 553 |
| Depreciation | 13.1 | 13.8 | 14.4 | 17.2 | 15.5 | 15.2 | 15.2 | 15.8 | 16.4 | 15.7 | 16.2 | 16.7 |
| Profit before tax | 476 | 529 | 535 | 252 | -129 | 51.1 | 81.1 | 169 | 338 | 445 | 660 | 671 |
| Tax | 122 | 132 | 137 | 65.9 | -29.4 | 3.9 | 20.9 | 43.4 | 85.8 | 105 | 167 | 169 |
| Net profit | 353 | 397 | 398 | 186 | -99.5 | 47.2 | 60.2 | 126 | 252 | 340 | 493 | 502 |
| Profit to shareholders | 353 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| EPS (₹) | 22.05 | 24.79 | 24.82 | 11.61 | -6.24 | 2.95 | 3.76 | 7.83 | 15.68 | 21.11 | 30.65 | 31.12 |
Profit & loss
Results for each year
7 financial years (April to March), consolidated, ₹ crore.
Sales, operating profit and net profit
FY20
FY21
FY22
FY23
FY24
FY25
FY26
Revenue · YoY (vs a year ago)
—+44%+11%+29%+46%+11%+5.3%
Net profit · YoY (vs a year ago)
——+176%-100%———
RevenueNet profitLine = trend
| ₹ Cr | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| Interest earned | 1,704 | 2,461 | 2,743 | 3,545 | 5,167 | 5,752 | 6,059 |
| Other income | 1.2 | 5.3 | 7.3 | 5.7 | 6.0 | 3.8 | 3.6 |
| Total expenses | 1,244 | 2,286 | 2,269 | 2,445 | 3,233 | 5,047 | 5,029 |
| Employee cost | 262 | 380 | 438 | 515 | 669 | 730 | 879 |
| Finance cost | 580 | 929 | 984 | 1,213 | 1,732 | 1,948 | 1,899 |
| Depreciation | 20.4 | 44.1 | 47.2 | 49.8 | 51.2 | 62.2 | 63.1 |
| Profit before tax | 462 | 180 | 481 | 1,105 | 1,939 | 709 | 1,033 |
| Tax | 126 | 49.0 | 124 | 279 | 493 | 177 | 256 |
| Tax rate % | 27.3% | 27.2% | 25.7% | 25.3% | 25.4% | 25.0% | 24.7% |
| Net profit | 335 | 131 | 357 | 826 | 1,446 | 531 | 778 |
| Profit to shareholders | 0.0 | — | 363 | 0.0 | 0.0 | 0.0 | 0.0 |
| Net margin % | 0.0% | 5.3% | 13.2% | 0.0% | 0.0% | 0.0% | 0.0% |
| EPS (₹) | 23.00 | 8.90 | 23.22 | 51.82 | 90.41 | 33.24 | 48.44 |
Balance sheet
Assets and debt
At each year end (and the latest half year), ₹ crore.
Equity, debt and assets
Mar 23
Mar 24
Mar 25
Mar 26
Sep 26
Shareholders' equity · YoY (vs a year ago)
—+29%+5.9%+13%—
Shareholders' equityBorrowingsDepositsLine = trend
| ₹ Cr | Mar 23 | Mar 24 | Mar 25 | Mar 26 | Sep 26 |
|---|---|---|---|---|---|
| Shareholders' equity | 5,107 | 6,570 | 6,956 | 7,842 | 8,919 |
| Deposits | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Total borrowings | 14,562 | 19,774 | 18,879 | 22,729 | 23,467 |
| Fixed assets (PPE) | 32.1 | 32.1 | 43.6 | 43.7 | 49.4 |
| Investments | 455 | 1,439 | 893 | 1,075 | 1,926 |
| Inventories | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Cash & equivalents | 1,341 | 1,107 | 1,271 | 1,152 | 1,382 |
| Total assets | 21,858 | 28,846 | 27,802 | 31,930 | 34,450 |
| Debt / equity | 2.85 | 3.01 | 2.71 | 2.90 | 2.63 |
Cash flow
Cash coming in and going out
For each financial year, ₹ crore. Free cash flow = cash from operations minus spending on fixed assets.
Operating, investing and financing cash
FY22
FY23
FY24
FY25
FY26
Operations · YoY (vs a year ago)
—-21%-44%+124%-346%
OperationsInvestingFinancingLine = trend
| ₹ Cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Cash from operations | -2,714 | -3,290 | -4,734 | 1,125 | -2,770 |
| Cash from investing | -33.0 | -314 | -994 | 708 | -101 |
| Cash from financing | 1,968 | 3,365 | 5,494 | -1,669 | 2,751 |
| Spent on fixed assets | -20.2 | -13.7 | -11.9 | -26.7 | -14.8 |
| Free cash flow | -2,735 | -3,304 | -4,746 | 1,099 | -2,785 |
| Net cash flow | -780 | -239 | -234 | 164 | -120 |
Shareholding
Who holds the shares
Promoter and public holding at each quarter end, as filed with NSE.
Holding over time
Promoter & groupPublic
Latest (30 Sep 2026)
63.8%promoter
- Promoter & group
- 63.83%
- Public (FIIs, mutual funds, retail…)
- 36.17%
- Promoter change, last quarter
- -2.38 pts
Dividends & news
Latest dividends and announcements
Dividends & corporate actions
- Annual General Meeting/Dividend - Rs 10 Per Share
- Annual General Meeting
- Annual General Meeting
Board meetings
- CreditAccess Grameen Limited has informed the Exchange about Board Meeting to be held on 22-Oct-2026 to inter-alia consider and approve the Unaudited…
- the financial results for the period ended September 30, 2026 and other business matters
- Fund raising.
- and approve Fund Raising
- CreditAccess Grameen Limited has informed the Exchange about Board Meeting to be held on 24-Jul-2026 to inter-alia consider and approve the Unaudited…
Filings with NSE
- ESOP/ESOS/ESPS
- General Updates
- Analysts/Institutional Investor Meet/Con. Call Updates
- Copy of Newspaper Publication
- Analysts/Institutional Investor Meet/Con. Call Updates
- Change in Auditors
- Press Release
Latest news
CreditAccess Grameen surges 7%, stock hits 28-month high; here's whyBusiness Standard · 27 Jul, 12:30 pmCreditAccess Grameen Shares Fall To 34-Month-Low After Second Cut In GuidanceNDTV Profit · 18 Oct, 2:22 amCreditAccess Grameen shares, after a 23% rally in a month, get an upgrade from CLSA; Details hereCNBC TV18 · 11 May, 12:30 pmCreditAccess Grameen share price jumped over 10% after strong Q4 business updateLivemint · 7 Apr, 12:30 pmCreditAccess Grameen shares rally 10% as disbursements soar 28% YoY to ₹8,313 crore in Q4; check business updatesUpstox · 6 Apr, 12:30 pmNetherlands-based promoter offloads 2.28% stake in CreditAccess GrameenMoneycontrol.com · 6 Aug, 12:30 pmCreditAccess Grameen Share Price Fall: NBFC ContextUnivest · 21 Oct, 12:30 pmCreditAccess Grameen share price defies market weakness to rally 10%Business Standard · 5 May, 12:30 pmAbout
About CREDITACCESS GRAMEEN LIMITED
CREDITACCESS GRAMEEN LIMITED is listed on the NSE under the symbol CREDITACC and belongs to the Financial Services sector.
Company details
- Company name
- CREDITACCESS GRAMEEN LIMITED
- NSE symbol
- CREDITACC
- BSE scrip code
- 541770
- ISIN
- INE741K01010
- Listed on
- NSE, BSE
- Series
- EQ (normal equity)
- Listed on NSE since
- 23 Aug 2018
- Face value
- ₹10 per share
- Market lot
- 1 share
- Shares issued
- 16.05 crore
- Index
- NIFTY 500
- Sector (NSE)
- Financial Services
- Industry
- Finance/Rental/Leasing
- Managing director / CEO
- Ganesh Narayanan
- Chair
- Manoj Kumar
- Headquarters
- Bengaluru, Karnataka, India
- Registered address
- New No. 49 (Old No725), 46th Cross, 8th Block, Jayanagar, (Next to Rajalakshmi Kalyana Mantap) Bengaluru KA-560070
- Founded
- 1991
- Employees
- 21,941
- Financial year
- April to March
- Results basis
- Consolidated
- Website
- creditaccessgrameen.in
Peers
Other Financial Services stocks
Prices from NSE via Upstox. Financials from the company's results filed with NSE (XBRL); ratios are our own working. Profile from global-stock-logos (MIT). For information only, not a recommendation to buy or sell.