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CreditAccess Grameen Ltd. engages in the provision of micro finance services. The company is headquartered in Bangalore, Karnataka and currently employs 16,759 full-time employees. The company went IPO on 2018-08-23. The firm operates in approximately 353 districts in 14 states and one union territory in India through 1,826 branches. The firm operates in a single business segment that is lending to members. Its microfinance group lending products include income generation loan, home improvement loan, family welfare loan and emergency loan. The firm's microfinance individual lending product is Unnati loan. Its retail finance products include grameen vikas loan, grameen two-wheeler loan, gruha vikas loan and grameen swarna loan. The firm's distributor products include grameen suraksha, life insurance and national pension scheme (NPS) - Swavalamban. The company has tied up with various insurance service providers, including HDFC Life and Kotak Life to provide insurance coverage to customers and spouse/co-borrowers (applicable for retail finance).
Nothing flagged for monitoring
“Operates in NBFC — Lending & Credit.”
₹6,059 Cr revenue.
COGS 0.0%, employees 14.5%.
“we need to do at least a 20% growth every year to reach our medium term goal...even next year we should be able to, but we'll have to come back with the confirmed guidance in May”
“FY26 credit cost guidance of 4 to 4.5% reflects new balance of accretion of 30-35 bps per month. If we demonstrate 20-27 bps, would translate to lower credit cost”
“Firstly, the RF percentage share optically appeared higher given a temporary decline in GL book due to accelerated write offs.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 9.9%▲ | 2.8% |
| ROCE | 9.3%▲ | 4.2% |
| Net Margin | 12.8%▲ | 11.9% |
| EBITDA Margin | 49.4%▲ | 29.0% |
| Debt To Equity | 3.01x▲ | 0.09x |
| Rev Growth 3yr | 19.5%▲ | 12.2% |
| EPS Growth 3yr | -2.8%▼ | 12.6% |
| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|---|
| ₹6,380 Cr +10.9% | ₹5,752 Cr +11.3% | ₹5,167 Cr +45.7% | ₹3,545 Cr +29.3% | ₹2,743 Cr +11.5% | ₹2,461 Cr +44.4% | ₹1,704 Cr | |
| ₹4 Cr -0.3% | ₹4 Cr -36.3% | ₹6 Cr +5.5% | ₹6 Cr -22.4% | ₹7 Cr +37.1% | ₹5 Cr +357.1% | ₹1 Cr | |
| Total Income | ₹6,383 Cr +10.9% | ₹5,756 Cr +11.3% | ₹5,173 Cr +45.7% | ₹3,551 Cr +29.1% | ₹2,750 Cr +11.5% | ₹2,466 Cr +44.6% | ₹1,705 Cr |
| ₹4,771 Cr -5.5% | ₹5,047 Cr +56.1% | ₹3,233 Cr +32.2% | ₹2,445 Cr +7.8% | ₹2,269 Cr -0.7% | ₹2,286 Cr +83.8% | ₹1,244 Cr | |
| Profit Before Tax | ₹1,612 Cr +127.4% | ₹709 Cr -63.4% | ₹1,939 Cr +75.4% | ₹1,105 Cr +129.9% | ₹481 Cr +166.5% | ₹180 Cr -60.9% | ₹462 Cr |
| ₹401 Cr +126.1% | ₹177 Cr -64.0% | ₹493 Cr +76.6% | ₹279 Cr +125.9% | ₹124 Cr +152.4% | ₹49 Cr -61.1% | ₹126 Cr | |
| Net Profit | ₹1,211 Cr +127.9% | ₹531 Cr -63.2% | ₹1,446 Cr +75.0% | ₹826 Cr +131.3% | ₹357 Cr +171.8% | ₹131 Cr -60.8% | ₹335 Cr |
| Profit (Owners) | ₹1,211 Cr +127.9% | ₹531 Cr -63.2% | ₹1,446 Cr +75.0% | ₹826 Cr +127.5% | ₹363 Cr +176.3% | ₹131 Cr -60.8% | ₹335 Cr |
| Other Comprehensive Income | ₹54 Cr ↑ Recovery | (₹27 Cr) -85.1% | (₹15 Cr) ↓ Decline | ₹8 Cr ↑ Recovery | (₹85 Cr) ↓ Decline | ₹32 Cr ↑ Recovery | (₹27 Cr) |
| EPS | ₹75.61 | ₹33.27 | ₹90.72 | ₹52.87 | ₹23.29 | ₹8.45 | ₹23.30 |
| Diluted Shares | ₹16 Cr | ₹16 Cr | ₹16 Cr | ₹16 Cr | ₹16 Cr | ₹16 Cr | ₹14 Cr |
| Fees And Commission | ₹3 Cr +154.5% | ₹1 Cr -71.8% | ₹4 Cr +116.7% | ₹2 Cr -39.2% | ₹3 Cr -1.7% | ₹3 Cr | ₹0.00 Cr |
| Fees And Commission Income | ₹144 Cr +41.8% | ₹102 Cr +10.0% | ₹92 Cr +373.7% | ₹20 Cr +47.6% | ₹13 Cr +55.5% | ₹9 Cr +70.0% | ₹5 Cr |
| Net Gain On Amortised Derecognition | ₹43 Cr +82.6% | ₹23 Cr -74.5% | ₹92 Cr -24.8% | ₹122 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr |
| Impairment On Financial Instruments | ₹1,416 Cr -26.6% | ₹1,930 Cr +327.1% | ₹452 Cr +12.7% | ₹401 Cr -32.8% | ₹597 Cr -22.6% | ₹771 Cr +225.1% | ₹237 Cr |
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The Exchange has sought clarification from CREDITACCESS GRAMEEN LIMITED for the quarter ended 30-Jun-2026 with respect to Regulation 33 of the SEBI (Listing Obligations and Disclosure Requirements) Re...
CREDITACCESS GRAMEEN LIMITED has informed the Exchange about Transcript
CREDITACCESS GRAMEEN LIMITED has informed the Exchange about Copy of Newspaper Publication
CREDITACCESS GRAMEEN LIMITED has informed the Exchange about Link of Recording
CREDITACCESS GRAMEEN LIMITED has informed the Exchange regarding a press release dated July 24, 2026, titled "Press Release".
CREDITACCESS GRAMEEN LIMITED has informed the Exchange about Investor Presentation
CREDITACCESS GRAMEEN LIMITED has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
CREDITACCESS GRAMEEN LIMITED has informed the Exchange about Schedule of meet
CREDITACCESS GRAMEEN LIMITED has informed the Exchange regarding allotment of 24375 securities pursuant to ESOP/ESPS at its meeting held on July 20, 2026
CREDITACCESS GRAMEEN LIMITED has informed the Exchange about Schedule of meet
CREDITACCESS GRAMEEN LIMITED has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
CREDITACCESS GRAMEEN LIMITED has informed the Exchange about Schedule of meet
CREDITACCESS GRAMEEN LIMITED has informed the Exchange about Copy of Newspaper Publication
CREDITACCESS GRAMEEN LIMITED has informed the Exchange about Copy of Newspaper Publication
CREDITACCESS GRAMEEN LIMITED has informed the Exchange about Schedule of meet