CREDITACCESS GRAMEEN LTD·MICRO FINANCE MFI 32.43NBFC 37.97·Finance Companies

Price

1,088.5

-4.72%
O:1108
H:1119.6
L:1061.3
C:1088.5

52W Range

1061.31634
+3%/-33%

Market Cap

₹17,468.74 Cr

Traded: ₹101.78 Cr (0.58%) 0.0x

Free Float: ₹1,437.68 Cr (7.08% of FF traded)

Volume · 60D trend

9.39 L 0.0x

Delivery: % 0.0x

View Delivery Data

Returns

1W:+0% 1M:-12% 3M:-29% 6M:-23% 12M:-14%

RS Score

SEEM
NOUS
BNF
SMA Score

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Valuation

P/E--
P/B--
P/S--
EV/EBIT--

Business Strength

ROE7.9%
ROCE9.5%
OPM--
NPM--

Growth (3Y CAGR)

EPS+45.9%
Sales+20.0%
Profit-2.0%
3Y Return+14.0%

Balance Sheet

Debt/Equity3.0
Debt23,641 Cr
Pledge0.0%
CWIP/Fixed Asset0.0%

Cash Position

CFO/NP-356.0%
FCF-2,787 Cr
FCF 3Y Avg-6,450 Cr
Cash/MCap6.0%

Others

Div Yield0.8%
Div Payout0.0%
Cash Conv. Cycle--
Tradeable Free Float8.2%
CREDITACC1,088.5 -4.72% NSEBSE20% 22 Oct
NOUS
BNF
MCap17.5K Cr
Vol9.39 L
RVol
Del%
TVal101.78 Cr
RS
SEEM

MTF Exposure Trend

60 sessions · funded amount, % of FF, daily delta

Current
₹ 72.55 Cr
5.05% FF
60d high
₹ 76.41 Cr
60d low
₹ 53.50 Cr
60d mean
₹ 68.88 Cr
vs mean
▲ 5.32%

Growth Trends

Metric10Y5Y3Y1YTTMTrend
Sales
--
+20.0%
+20.0%
--
+5.0%
Stable
Profit
--
+42.0%
-2.0%
--
+46.0%
Stable
Return
--
+20.0%
+14.0%
+32.0%
--
Stable
ROE
--
+14.0%
+14.0%
--
--
Stable

Quarterly Results

Sep 2026

22 Oct
Rev
--
+26% YoY--
OPM--
NPM--
PAT
+299% YoY▲502 Cr
EPS
--▲31.3

Jun 2026

24 Jul
Rev
--
+22% YoY--
OPM--
NPM--
PAT
+720% YoY▲493 Cr
EPS
--▲30.8

Mar 2026

8 May
Rev
--
+14% YoY--
OPM--
NPM--
PAT
+619% YoY▲340 Cr
EPS
+616% YoY▲21.2

Dec 2025

20 Jan
Rev
--
+8% YoY--
OPM--
NPM--
PAT
+353% YoY▲252 Cr
EPS
+352% YoY▲15.8

Sep 2025

PDF
Rev
--
+4% YoY--
OPM--
NPM--
PAT
-32% YoY▲126 Cr
EPS
-33% YoY▲7.9

Jun 2025

PDF
Rev
--
-3% YoY--
OPM--
NPM--
PAT
-85% YoY▲60 Cr
EPS
-85% YoY▲3.8

Mar 2025

PDF
Rev
--
-3% YoY--
OPM--
NPM--
PAT
-88% YoY▲47 Cr
EPS
-88% YoY▲3.0

Dec 2024

PDF
Rev
--
+7% YoY--
OPM--
NPM--
PAT
-128% YoY▼-100 Cr
EPS
-128% YoY▼-6.2

Sep 2024

PDF
Rev
--
+17% YoY--
OPM--
NPM--
PAT
-46% YoY▼186 Cr
EPS
-46% YoY▼11.7

Jun 2024

PDF
Rev
--
+29% YoY--
OPM--
NPM--
PAT
+14% YoY▲398 Cr
EPS
+12% YoY▲24.9

Mar 2024

PDF
Rev
--
+37% YoY--
OPM--
NPM--
PAT
+34% YoY▲397 Cr
EPS
+31% YoY▲24.9

Dec 2023

PDF
Rev
--
+42% YoY--
OPM--
NPM--
PAT
+67% YoY▲353 Cr
EPS
+63% YoY▲22.2

Sep 2023

PDF
Rev
--
+54% YoY--
OPM--
NPM--
PAT
+98% YoY▼347 Cr
EPS
--▼21.8

Jun 2023

PDF
Rev
--
+54% YoY--
OPM--
NPM--
PAT
+152% YoY▲348 Cr
EPS
--▲22.3

Mar 2023

Rev
--
----
OPM--
NPM--
PAT
+89% YoY▲297 Cr
EPS
--▲19.0

Dec 2022

Rev
--
----
OPM--
NPM--
PAT
+77% YoY217 Cr
EPS
--13.6

Revenue & Margin Trends

Annual

Quarterly

Balance Sheet Health

Leverage

Debt / Equity0.00
Interest Coverage-3.0x
Promoter Pledge0.0%
Borrowings--

Efficiency

Receivable Days days
Inventory Days days
Payable Days days
Cash Conversion cycle days

Cash Position

Operating Cash Flow-2.8K Cr
Investing Cash Flow-101 Cr
Financing Cash Flow2.8K Cr
Free Cash Flow-2.8K Cr

Detailed Financials

Sep 2026PDF ↗
Jun 2026PDF ↗
Mar 2026PDF ↗
Dec 2025PDF ↗
Sep 2025PDF ↗
Jun 2025PDF ↗
Mar 2025PDF ↗
Dec 2024PDF ↗
Sep 2024PDF ↗
Jun 2024PDF ↗
Mar 2024PDF ↗
Dec 2023PDF ↗
Sep 2023PDF ↗
Jun 2023PDF ↗
Mar 2023
Dec 2022
Sales--------------------------------
Expenses6645586606788458858641,020700453434365345306311293
Operating Profit--------------------------------
Other Income1111111211231112
Interest553550478459480482478475485510482442424385346314
Depreciation17161616161515161714141312121213
Profit Before Tax6716604453381698151-129252535529476467467398290
Tax %25.0%25.0%24.0%25.0%26.0%26.0%8.0%-23.0%26.0%26.0%25.0%26.0%26.0%25.0%25.0%25.0%
Net Profit5024933402521266047-100186398397353347348297217
Exceptional Items--------------------------------
EPS (Rs)31.330.821.215.87.93.83.0-6.211.724.924.922.221.822.319.013.6
Sales Growth (YoY)26.2%21.9%13.6%8.0%3.8%-3.3%-3.5%6.8%16.6%29.2%36.8%42.3%53.5%54.0%----
Sales Growth (QoQ)--------------------------------
OP Growth (YoY)--------------------------------
OP Growth (QoQ)--------------------------------
Profit Growth (YoY)299.0%720.0%619.0%353.0%-32.0%-85.0%-88.0%-128.0%-46.0%14.0%34.0%67.0%98.0%152.0%89.0%77.0%
EPS Growth (YoY)----616.2%352.4%-32.6%-84.9%-88.1%-128.1%-46.5%11.9%31.2%63.4%--------
EPS Growth (QoQ)----34.6%100.1%108.8%27.4%147.4%-153.5%-53.2%0.2%12.2%1.8%-2.2%17.5%39.7%--
OP Margin--------------------------------
Net Margin--------------------------------
Material Cost %--------------------------------
Employee Cost %----13.3%15.2%14.5%15.1%12.5%12.9%13.0%12.4%13.3%12.1%13.0%13.4%12.6%14.0%
P/S--------------------------------
P/E--14.4031.2349.11------------------------
P/B--2.233.103.33------------------------

Shareholding Pattern

Shareholders:83.9K (+99.8%)
Current MixMar 2026

Exchange Filings

50
Company Update22 Oct 2026

Please find enclosed the letter containing audio link of Earnings conference call for Q2 FY 2027.

Company Update22 Oct 2026

The Board of directors in its meting held today i.e. 22-10-2026 has approved the appointment of Sharp and Tannan as one of the Joint Statutory Auditors of the Company for 3 years. For details ....

Company Update22 Oct 2026

Press Release

Company Update22 Oct 2026

Investor Presentation

Result22 Oct 2026

Financial Results for quarter and half year ended September 30, 2026

Board Meeting22 Oct 2026

Outcome of the Board Meeting held on 22-10-2026

Company Update21 Oct 2026

Allotment of Equity Shares under Employee Stock option Plan of the Company

Company Update14 Oct 2026

Intimation of Q2 FY27 Results Conference Call

Board Meeting13 Oct 2026

Creditaccess Grameen Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 22/10/2026 ,inter alia, to consider and approve Unaudited Financial Results ....

Company Update12 Oct 2026

Press Release

Company Update08 Oct 2026

Certificate under 74(5) of SEBI (DP) Regulations, 2018

Company Update07 Oct 2026

Allotment of Equity Shares under Employee Stock Option Plan of the Company

Company Update05 Oct 2026

Interim Business Update - September 2026

Company Update01 Oct 2026

Allotment of Non-Convertible Debentures on Private Placement basis

Company Update30 Sept 2026

Completion of Direct Assignment Transaction aggregating to INR 260.64 Crore

Company Update29 Sept 2026

Intimation of Schedule of Investor's Meeting to be held on 30th September 2026.

Insider Trading / SAST28 Sept 2026

Closure of Trading Window

Company Update18 Sept 2026

Allotment of equity shares under Employee Stock Option plan of the Company

Company Update18 Sept 2026

Intimation of the Investor Meet

Company Update18 Sept 2026

Intimation of Investor Meet to be held on 22-09-2026

Company Update17 Sept 2026

Intimation of the Investor Meet to be held on 23-09-2026

Company Update04 Sept 2026

Allotment of Equity Shares under Employee Stock option Plan of the Company

Company Update03 Sept 2026

Press Release

Company Update02 Sept 2026

Intimation of allotment of Non-Convertible Debentures on September 02, 2026

Company Update20 Aug 2026

Allotment of Equity Shares under Employee Stock Option Plan of the Company

Company Update19 Aug 2026

Intimation of Schedule of Investor's Meeting on 21st August 2026

Company Update13 Aug 2026

Analyst Meet on 14th August 2026

Company Update11 Aug 2026

Analyst Meet 12th Aug 2026

Company Update10 Aug 2026

Intimation of Investor Meet

Company Update07 Aug 2026

Intimation for allotment of Equity Shares under Employee Stock Option Plan of the Company

Insider Trading / SAST07 Aug 2026

The Exchange has received the disclosure under Regulation 29(2) of SEBI (Substantial Acquisition of Shares & Takeovers) Regulations, 2011 for CreditAccess India B.V.

Company Update06 Aug 2026

Announcement under Regulation 30 of SEBI LODR

Company Update25 Jul 2026

Please find enclosed the newspaper advertisement pertaining to the financial results for the quarter ended 30/06/2026.

Board Meeting24 Jul 2026

Outcome of the Board Meeting

Company Update24 Jul 2026

Audio recording of Q1 FY27 Results Conference Call

Company Update24 Jul 2026

Press Release

Company Update24 Jul 2026

Investor presentation

Result24 Jul 2026

Financial Results for quarter ended June 30 2026

Company Update23 Jul 2026

Please find enclosed the Analyst meet intimation to be held on 27/07/2026, 28/07/2026 and 29/07/2026.

Board Meeting21 Jul 2026

Creditaccess Grameen Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 24/07/2026 ,inter alia, to consider and approve Update on board meeting

Board Meeting17 Jul 2026

Creditaccess Grameen Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 24/07/2026 ,inter alia, to consider and approve Unaudited Financial Results ....

Company Update17 Jul 2026

Intimation of Q1 FY27 Results Conference Call

Company Update08 Jul 2026

Please find enclosed the Certificate isssued by RTA of the Company under regulation 74 (5) of SEBI (Depositories and Participants) Regulations, 2018.

Company Update06 Jul 2026

Intimation for allotment of Equity Shares under Employee Stock Option Plan of the Company

AGM/EGM05 Jul 2026

Please find enclosed combined e-voting results and Scrutiniser Report of the AGM held on 03/07/2026.

Company Update03 Jul 2026

Interim Business Update - June 2026

AGM/EGM03 Jul 2026

Please find enclosed the proceedings of AGM held on 03/07/2026

Company Update28 Jun 2026

Press Release

Insider Trading / SAST26 Jun 2026

Intimation of closure of trading window

Company Update24 Jun 2026

Intimation for allotment of Non-Convertible Debentures on June 24, 2026.

Annual Reports

8

2025

2024

2023

2022

2021

2020

2019

2018

Credit Ratings

6
crisilRating update
26 Dec 2025Report
crisilRating update
28 Oct 2025Report
icraRating update
22 Aug 2025Report
crisilRating update
16 Jul 2025Report
fitchRating update
14 May 2025Report
crisilRating update

Concalls

38

Jan 2026

31 Jan 2026

Jan 2026

31 Jan 2026

Nov 2025

30 Nov 2025

Jul 2025

31 Jul 2025

May 2025

31 May 2025

May 2025

31 May 2025

Jan 2025

31 Jan 2025

Oct 2024

31 Oct 2024

Jul 2024

31 Jul 2024

May 2024

31 May 2024

May 2024

31 May 2024

Jan 2024

31 Jan 2024

Oct 2023

31 Oct 2023

Jul 2023

31 Jul 2023

May 2023

31 May 2023

May 2023

31 May 2023

Feb 2023

28 Feb 2023

Oct 2022

31 Oct 2022

Aug 2022

31 Aug 2022

May 2022

31 May 2022

Feb 2022

28 Feb 2022

Nov 2021

30 Nov 2021

Aug 2021

31 Aug 2021

May 2021

31 May 2021

May 2021

31 May 2021

Jan 2021

31 Jan 2021

Nov 2020

30 Nov 2020

Aug 2020

31 Aug 2020

Jun 2020

30 Jun 2020

Apr 2020

30 Apr 2020

Jan 2020

31 Jan 2020

Jan 2020

31 Jan 2020

Dec 2019

31 Dec 2019

Nov 2019

30 Nov 2019

Jul 2019

31 Jul 2019

May 2019

31 May 2019

Jan 2019

31 Jan 2019

Oct 2018

31 Oct 2018

Held by ETFs

14 ETFs hold CREDITACC · sorted by weight

#ETFWeight %
1

SMALLCAP

MIRAEAMC - SMALLCAP

0.57%
2

SML100CASE

ZERODHAAMC - SML100CASE

0.56%
3

MOSMALL250

MOTILALAMC - MOSMALL250

0.31%
4

SMALLADD

DSPAMC - SMALLADD

0.31%
5

HDFCSML250

HDFCAMC - HDFCSML250

0.31%
6

SBISMLETF

SBIAMC - SBISMLETF

0.31%
7

SMALL250

MIRAEAMC - SMALL250

0.31%
8

GROWWSC250

GROWWAMC - GROWWSC250

0.31%
9

MIDSMALL

MIRAEAMC - MIDSMALL

0.28%
10

MULTICAP

MIRAEAMC - MULTICAP

0.08%
11

AONETOTAL

AONEAMC - AONETOTAL

0.04%
12

HDFCBSE500

HDFCAMC - HDFCBSE500

0.04%
13

MONIFTY500

MOTILALAMC - MONIFTY500

0.04%
14

BSE500IETF

ICICIPRAMC - ICICI500

0.04%

Held by Mutual Funds

59 schemes hold CREDITACC · sorted by weight

#SchemeWeight %
1

Groww Small Cap Fund

Groww Mutual Fund

2.92%
2

JM Small Cap Fund

JM Financial Mutual Fund

2.31%
3

Edelweiss Financial Services Fund

Edelweiss Mutual Fund

2.17%
4

JM Value Fund

JM Financial Mutual Fund

2.08%
5

Altiva Equity Ex-Top 100 Long-Short Fund

Edelweiss Mutual Fund

1.80%
6

ICICI Prudential Active Momentum Fund

ICICI Prudential Mutual Fund

1.78%
7

Axis Business Cycles Fund

Axis Mutual Fund

1.65%
8

ITI Banking and Financial Services Fund

ITI Mutual Fund

1.52%
9

Tata Dividend Yield Fund

Tata Mutual Fund

1.47%
10

Edelweiss ELSS Tax Saver Fund

Edelweiss Mutual Fund

1.42%
11

Edelweiss Mid Cap Direct Plan-Growth

Edelweiss Mutual Fund

1.42%
12

HSBC Flexi Cap Fund

HSBC Mutual Fund

1.33%
13

Canara Robeco Small Cap Fund

Canara Robeco Mutual Fund

1.21%
14

Bank of India Flexi Cap Fund

Bank of India Mutual Fund

1.16%
15

ITI Value Fund

ITI Mutual Fund

1.15%
16

HDFC Retirement Savings Fund

HDFC Mutual Fund

1.07%
17

LIC MF Unit Linked Insurance Scheme Direct-IDCW

LIC Mutual Fund

1.05%
18

Groww Banking & Financial Services Fund

Groww Mutual Fund

1.05%
19

Edelweiss Flexi Cap Fund

Edelweiss Mutual Fund

1.01%
20

Edelweiss Multi Cap Fund

Edelweiss Mutual Fund

1.00%
21

ICICI Prudential Multicap Fund

ICICI Prudential Mutual Fund

1.00%
22

ITI Business Cycle Fund

ITI Mutual Fund

0.97%
23

ITI ELSS Tax Saver Fund

ITI Mutual Fund

0.93%
24

Edelweiss Large & Mid Cap Direct Plan-Growth

Edelweiss Mutual Fund

0.90%
25

Mahindra Manulife Small Cap Fund

Mahindra Manulife Mutual Fund

0.85%
26

Bank of India Small Cap Fund

Bank of India Mutual Fund

0.81%
27

Axis Small Cap Fund

Axis Mutual Fund

0.71%
28

ICICI Prudential Retirement Fund

ICICI Prudential Mutual Fund

0.66%
29

Union Small Cap Fund

Union Mutual Fund

0.61%
30

Aditya Birla Sun Life Flexi Cap Fund

Aditya Birla Sun Life Mutual Fund

0.55%
31

Union Multicap Fund

Union Mutual Fund

0.55%
32

Union Business Cycle Fund

Union Mutual Fund

0.55%
33

Axis Multi Asset Allocation Direct Plan-Growth

Axis Mutual Fund

0.54%
34

HDFC Multi-Asset Allocation Fund

HDFC Mutual Fund

0.51%
35

HSBC Small Cap Fund

HSBC Mutual Fund

0.43%
36

Edelweiss Nifty Smallcap 250 Index Fund

Edelweiss Mutual Fund

0.40%
37

Edelweiss Aggressive Hybrid Fund

Edelweiss Mutual Fund

0.39%
38

Groww Nifty Smallcap 250 Index Fund

Groww Mutual Fund

0.38%
39

Bandhan Nifty Smallcap 250 Index Fund

Bandhan Mutual Fund

0.38%
40

SBI Nifty Smallcap 250 Index Fund

SBI Mutual Fund

0.38%
41

HDFC Nifty Smallcap 250 Index Fund

HDFC Mutual Fund

0.38%
42

ICICI Prudential Nifty Smallcap 250 Index Fund

ICICI Prudential Mutual Fund

0.38%
43

Kotak Nifty Smallcap 250 Index Fund

Kotak Mahindra Mutual Fund

0.35%
44

Motilal Oswal Nifty Smallcap 250 Index Fund

Motilal Oswal Mutual Fund

0.35%
45

HDFC Large and Mid Cap Fund

HDFC Mutual Fund

0.33%
46

Canara Robeco Large and Mid Cap Fund

Canara Robeco Mutual Fund

0.30%
47

Nippon India Nifty 500 Equal Weight Index Fund

Nippon India Mutual Fund

0.21%
48

Nippon India Small Cap Fund

Nippon India Mutual Fund

0.17%
49

Kotak Balanced Advantage Fund

Kotak Mahindra Mutual Fund

0.11%
50

HDFC Nifty500 Multicap 50:25:25 Index Fund

HDFC Mutual Fund

0.09%
51

Axis Nifty 500 Index Fund

Axis Mutual Fund

0.04%
52

ICICI Prudential Nifty 500 Index Fund

ICICI Prudential Mutual Fund

0.04%
53

Motilal Oswal Nifty 500 Index Fund

Motilal Oswal Mutual Fund

0.04%
54

HDFC BSE 500 Index Fund

HDFC Mutual Fund

0.04%
55

SBI Nifty 500 Index Fund

SBI Mutual Fund

0.04%
56

Bandhan Nifty Total Market Index Fund

Bandhan Mutual Fund

0.04%
57

Groww Nifty Total Market Index Fund

Groww Mutual Fund

0.04%
58

Motilal Oswal BSE 1000 Index Fund

Motilal Oswal Mutual Fund

0.04%
59

HSBC Midcap Fund

HSBC Mutual Fund

0.02%