CreditAccess Grameen Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Company has delivered good profit growth of 40.4% CAGR over last 5 years
- Comfortable capital adequacy - CAR of 24.4%
- Asset quality is healthy - gross NPA of just 0.0%
- Solid return on assets for a lender - ROA of 2.5%
- Latest quarter profit grew 719.7% YoY, showing strong momentum
- Company has delivered good sales growth of 24.5% CAGR over last 5 years
CONS
- Company has a low return on capital employed of 11.4%
- Operating margins have contracted to 49.5% from 66.9%
- Thin net interest margin of 0.0%
- Growth is decelerating - 3Y profit CAGR (-2.0%) trails the 5Y trend (40.4%)
- Though reporting repeated profits, the company pays out little dividend (0.0%)
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1034.20 | 31.71 | 643888.19 | 0.58 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1028.00 | 21.37 | 241893.03 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1845.00 | 27.40 | 157575.18 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.80 | 28.50 | 154003.85 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 230.00 | 73.49 | 151872.26 | 0.26 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| BAJAJHLDNG | 11120.70 | 13.97 | 123766.17 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2794.40 | 9.86 | 112186.35 | 1.07 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 398.60 | 26.59 | 109118.68 | 0.00 | 12238.50 | 1332.54 | 121795.40 | 1181.69 | 8.82 | 41.91 |
| LTF | 309.50 | 24.37 | 77571.61 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 656.05 | 27.44 | 62432.55 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 668.65 | 25.53 | 55549.10 | 0.60 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| CREDITACC | 1427.00 | 18.91 | 22901.14 | 0.00 | 493.39 | 719.72 | 1783.49 | 22.61 | 9.98 | 68.71 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1,158 | 1,235 | 1,281 | 1,444 | 1,504 | 1,446 | 1,375 | 1,398 | 1,455 | 1,492 | 1,478 | 1,585 | 1,783 | |
| 309 | 342 | 365 | 434 | 453 | 700 | 1,020 | 864 | 885 | 845 | 678 | 660 | 1,124 | |
| Operating Profit | 861 | 904 | 927 | 1,024 | 1,059 | 753 | 360 | 543 | 578 | 664 | 813 | 937 | 1,225 |
| OPM % | 74.40% | 73.22% | 72.36% | 70.87% | 70.41% | 52.08% | 26.17% | 38.83% | 39.72% | 44.49% | 54.99% | 59.13% | 68.71% |
| Other Income | 1 | 1 | 3 | 2 | 1 | 1 | 2 | 1 | 1 | 1 | 1 | 1 | 1 |
| Interest | 385 | 424 | 442 | 482 | 510 | 485 | 475 | 478 | 482 | 480 | 459 | 478 | 550 |
| Depreciation | 12 | 12 | 13 | 14 | 14 | 17 | 16 | 15 | 15 | 16 | 16 | 16 | 16 |
| 465 | 469 | 476 | 529 | 535 | 252 | -129 | 51 | 81 | 169 | 338 | 445 | 660 | |
| Tax % | 25.56% | 25.53% | 25.70% | 25.01% | 25.63% | 26.16% | 22.81% | 7.58% | 25.80% | 25.63% | 25.40% | 23.70% | 25.25% |
| Net Profit | 346 | 349 | 353 | 397 | 398 | 186 | -100 | 47 | 60 | 126 | 252 | 340 | 493 |
| 22 | 22 | 22 | 25 | 25 | 12 | -6 | 3 | 4 | 8 | 16 | 21 | 3 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 702 | 871 | 1,282 | 1,683 | 2,028 | 2,743 | 3,545 | 5,167 | 5,752 | 6,059 | 6,339 | |
| 264 | 314 | 361 | 639 | 1,069 | 1,235 | 1,181 | 1,444 | 3,030 | 3,061 | 3,306 | |
| Operating Profit | 438 | 556 | 922 | 1,044 | 959 | 1,508 | 2,364 | 3,723 | 2,722 | 2,998 | 3,032 |
| OPM % | 62.38% | 63.90% | 71.87% | 62.04% | 47.29% | 54.99% | 66.69% | 72.05% | 47.32% | 49.48% | 47.84% |
| 8 | 131 | 1 | 1 | 3 | 7 | 7 | 6 | 4 | 4 | 4 | |
| Interest | 324 | 354 | 417 | 575 | 745 | 987 | 1,216 | 1,738 | 1,955 | 1,905 | 1,967 |
| Depreciation | 4 | 5 | 8 | 20 | 23 | 47 | 50 | 51 | 62 | 63 | 64 |
| Profit before Tax | 117 | 328 | 498 | 451 | 194 | 481 | 1,105 | 1,939 | 709 | 1,033 | 1,612 |
| Tax % | 35.45% | 35.26% | 35.36% | 27.37% | 26.71% | 26.56% | 25.27% | 25.44% | 25.04% | 24.73% | 24.89% |
| Net Profit | 75 | 212 | 322 | 328 | 142 | 353 | 826 | 1,446 | 531 | 778 | 1,211 |
| EPS | 9.26 | 20.65 | 23.14 | 22.59 | 9.46 | 22.20 | 51.81 | 90.72 | 33.27 | 48.54 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 11.02% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 29%
- 5 Years:
- 24%
- 3 Years:
- 20%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 25%
- 5 Years:
- 40%
- 3 Years:
- -2%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- 16%
- 3 Years:
- 1%
- 1 Year:
- 10%
RETURN ON EQUITY
- 10 Years:
- 14%
- 5 Years:
- 14%
- 3 Years:
- 14%
- Last Year:
- 11%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 86 | 128 | 144 | 144 | 156 | 156 | 159 | 159 | 160 | 160 |
| 604 | 1,304 | 2,213 | 2,516 | 3,471 | 3,999 | 4,929 | 6,379 | 6,747 | 7,616 | |
| 2,463 | 3,623 | 4,867 | 7,823 | 8,781 | 12,921 | 16,379 | 21,929 | 20,535 | 23,727 | |
| Trade Payables | 0 | 35 | 104 | 80 | 170 | 259 | 304 | 256 | 32 | 40 |
| 363 | 134 | 303 | 490 | 569 | 630 | 763 | 1,311 | 1,505 | 1,282 | |
| Total Liabilities | 3,516 | 5,225 | 7,629 | 11,052 | 13,146 | 17,965 | 22,533 | 30,035 | 28,979 | 32,826 |
| 12 | 16 | 25 | 87 | 101 | 629 | 599 | 609 | 604 | 588 | |
| Capital Work in Progress | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 661 | 663 | 1 | 455 | 1,439 | 893 | 1,075 | |
| Cash & Bank | 364 | 143 | 616 | 580 | 1,946 | 1,761 | 1,436 | 1,222 | 1,343 | 1,271 |
| 3,139 | 5,066 | 6,989 | 9,724 | 10,436 | 15,574 | 20,043 | 26,765 | 26,139 | 29,891 | |
| Total Assets | 3,516 | 5,225 | 7,629 | 11,052 | 13,146 | 17,965 | 22,533 | 30,035 | 28,979 | 32,826 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -352 | -1,658 | -1,196 | -2,138 | -259 | -2,593 | -3,050 | -4,734 | 1,125 | -2,770 | |
| Cash from Investing | -5 | 54 | -7 | -636 | -32 | -33 | -314 | -994 | 708 | -101 |
| Cash from Financing | 579 | 1,470 | 1,829 | 2,929 | 1,706 | 1,967 | 3,365 | 5,494 | -1,669 | 2,751 |
| 149 | -202 | 444 | -9 | 1,310 | -780 | -239 | -234 | 164 | -120 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-04 - CREDITACCESS GRAMEEN LIMITED has informed the Exchange regarding Allotment of 30135 Shares.
2026-09-03 - CREDITACCESS GRAMEEN LIMITED has informed the Exchange regarding a press release dated September 03, 2026, titled "Press Release".
2026-09-02 - CREDITACCESS GRAMEEN LIMITED has informed the Exchange regarding allotment of 30000 Non Convertible Debentures
2026-08-20 - CREDITACCESS GRAMEEN LIMITED has informed the Exchange regarding Allotment of 43025 Shares.
2026-08-19 - CREDITACCESS GRAMEEN LIMITED has informed the Exchange about Schedule of meet
2026-08-13 - CREDITACCESS GRAMEEN LIMITED has informed the Exchange about Schedule of meet
2026-08-11 - CREDITACCESS GRAMEEN LIMITED has informed the Exchange about Schedule of meet
2026-08-10 - CREDITACCESS GRAMEEN LIMITED has informed the Exchange about Schedule of meet
2026-08-07 - CREDITACCESS GRAMEEN LIMITED has informed the Exchange regarding allotment of 101320 securities pursuant to ESOP/ESPS at its meeting held on August 06, 2026
News
Recent coverage and analyst commentary for CREDITACC
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CreditAccess Grameen Ltd.
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