CreditAccess Grameen Ltd.

•

creditaccessgrameen.inBSE: 541770NSE: CREDITACC

Market Cap₹ 22,901 Cr.

Current Price

High / Low₹ 1,634 / 1,113

Stock P/E18.9

Book Value₹ 515

Price to Book2.38

Dividend Yield0.00 %

ROCE10.0 %

ROE10.6 %

Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

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.

Confidence

84%

View full sector analysis →

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

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY TOTAL MKT NIFTY 500 NIFTY SMLCAP 250

S.No.	Name
1.	BAJFINANCE	1034.20	31.71	643888.19	0.58	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1028.00	21.37	241893.03	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1845.00	27.40	157575.18	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.80	28.50	154003.85	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	230.00	73.49	151872.26	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	11120.70	13.97	123766.17	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2794.40	9.86	112186.35	1.07	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	398.60	26.59	109118.68	0.00	12238.50	1332.54	121795.40	1181.69	8.82	41.91
9.	LTF	309.50	24.37	77571.61	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	656.05	27.44	62432.55	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	668.65	25.53	55549.10	0.60	785.20	38.31	4937.90	18.71	9.09	57.98
12.	CREDITACC	1427.00	18.91	22901.14	0.00	493.39	719.72	1783.49	22.61	9.98	68.71

Detailed Comparison with:

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

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	66.56	66.54	66.50	66.43	66.43	66.37	66.28	66.24	66.21
	10.88	10.76	9.76	11.38	12.13	12.29	11.68	12.94	13.48
	16.25	14.86	14.17	12.67	12.76	13.33	13.23	12.59	12.67
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Public	6.31	7.83	9.57	9.51	8.68	8.02	8.81	8.24	7.63

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-04

ESOP/ESOS/ESPS

2026-09-04 - CREDITACCESS GRAMEEN LIMITED has informed the Exchange regarding Allotment of 30135 Shares.

2026-09-03

Press Release

2026-09-03 - CREDITACCESS GRAMEEN LIMITED has informed the Exchange regarding a press release dated September 03, 2026, titled "Press Release".

2026-09-02

Allotment of Securities

2026-09-02 - CREDITACCESS GRAMEEN LIMITED has informed the Exchange regarding allotment of 30000 Non Convertible Debentures

2026-08-20

ESOP/ESOS/ESPS

2026-08-20 - CREDITACCESS GRAMEEN LIMITED has informed the Exchange regarding Allotment of 43025 Shares.

2026-08-19

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-19 - CREDITACCESS GRAMEEN LIMITED has informed the Exchange about Schedule of meet

2026-08-13

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-13 - CREDITACCESS GRAMEEN LIMITED has informed the Exchange about Schedule of meet

2026-08-11

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-11 - CREDITACCESS GRAMEEN LIMITED has informed the Exchange about Schedule of meet

2026-08-10

Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-10 - CREDITACCESS GRAMEEN LIMITED has informed the Exchange about Schedule of meet

2026-08-07

Allotment of Securities

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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AI Stock Analyst

CreditAccess Grameen Ltd.

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Free 5nance Account

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

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

Interest

385

424

442

482

510

485

475

478

482

480

459

478

550

Depreciation

465

469

476

529

535

252

-129

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

126

252

340

493

-6

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%

131

Interest

324

354

417

575

745

987

1,216

1,738

1,955

1,905

1,967

Depreciation

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

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%

11.02%

0.00%

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

128

144

156

159

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

104

170

259

304

256

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

101

629

599

609

604

588

Capital Work in Progress

661

663

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

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

-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

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

66.56

66.54

66.50

66.43

66.37

66.28

66.24

66.21

10.88

10.76

9.76

11.38

12.13

12.29

11.68

12.94

13.48

16.25

14.86

14.17

12.67

12.76

13.33

13.23

12.59

12.67

Government

0.00

Public

6.31

7.83

9.57

9.51

8.68

8.02

8.81

8.24

7.63

CreditAccess Grameen Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI

CreditAccess Grameen Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI