CreditAccess Grameen Ltd
CreditAccess Grameen Ltd (CREDITACC) last reported results for the quarter ended Jun 2026, with sales of ₹1,783 crore and net profit of ₹493 crore. The stock last traded at ₹1,266, a market capitalisation of ₹20,318 crore, on a P/E of 16.8. Over the past 52 weeks the stock has ranged between ₹1,113 and ₹1,634. Figures are as of 6 Oct 2026 and are not real time.
CreditAccess Grameen Ltd share price and key metrics
- Current price
- ₹1,266
- Market cap
- ₹20,318 cr
- Stock P/E
- 16.8
- Book value
- ₹490
- ROE
- 10.5%
- ROCE
- 9.98%
- Dividend yield
- 0.00%
- 52w high / low
- 1634/1113
Metrics as of 6 Oct 2026. Not real time.
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CreditAccess Grameen Ltd growth and returns
- 10 Years
- %
- 5 Years
- 20%
- 3 Years
- 20%
- TTM
- 12%
- 10 Years
- %
- 5 Years
- 42%
- 3 Years
- -2%
- TTM
- 524%
- 10 Years
- %
- 5 Years
- 13%
- 3 Years
- -2%
- 1 Year
- -11%
- 10 Years
- %
- 5 Years
- 14%
- 3 Years
- 14%
- Last Year
- 11%
CreditAccess Grameen Ltd quarterly results
In the quarter ended Jun 2026, sales were ₹1,783 cr, up 21.9% from ₹1,463 cr a year earlier. Net profit was ₹493 cr, up 721.7% year on year.
| ₹ crore | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 1,453 | 1,380 | 1,407 | 1,463 | 1,508 | 1,490 | 1,597 | 1,783 |
| Expenses | 700 | 1,020 | 864 | 885 | 845 | 678 | 660 | 558 |
| Operating profit | 269 | -115 | 65 | 96 | 184 | 353 | 459 | 675 |
| OPM % | 18% | -8% | 5% | 7% | 12% | 24% | 29% | 38% |
| Other income | 1 | 2 | 1 | 1 | 1 | 1 | 1 | 1 |
| Interest | 485 | 475 | 478 | 482 | 480 | 459 | 478 | 550 |
| Depreciation | 17 | 16 | 15 | 15 | 16 | 16 | 16 | 16 |
| Profit before tax | 252 | -129 | 51 | 81 | 169 | 338 | 445 | 660 |
| Tax % | 26% | -23% | 8% | 26% | 26% | 25% | 24% | 25% |
| Net profit | 186 | -100 | 47 | 60 | 126 | 252 | 340 | 493 |
| EPS (₹) | 11.67 | -6.24 | 2.96 | 3.77 | 7.87 | 15.75 | 21.20 | 30.79 |
Consolidated figures as reported by the company. Percentages are as published; totals may not sum exactly.
CreditAccess Grameen Ltd annual results
| ₹ crore | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Sales | 1,282 | 1,704 | 2,461 | 2,669 | 3,487 | 5,167 | 5,752 | 6,059 | 6,380 |
| Operating profit | 504 | 481 | 219 | 447 | 1,092 | 1,984 | 767 | 1,093 | 1,672 |
| OPM % | 39% | 28% | 9% | 17% | 31% | 38% | 13% | 18% | 26% |
| Net profit | 322 | 335 | 131 | 353 | 826 | 1,446 | 531 | 778 | 1,211 |
| EPS (₹) | 22.41 | 23.17 | 8.61 | 22.65 | 52.87 | 90.72 | 33.27 | 48.54 | 75.61 |
TTM is the trailing twelve months to the most recent quarter.
CreditAccess Grameen Ltd balance sheet
| ₹ crore | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 144 | 144 | 156 | 156 | 159 | 159 | 160 | 160 |
| Reserves | 2,222 | 2,590 | 3,536 | 4,011 | 4,948 | 6,411 | 6,796 | 7,682 |
| Borrowings | 4,867 | 9,540 | 10,941 | 12,921 | 16,312 | 21,841 | 20,446 | 23,641 |
| Other liabilities | 126 | 316 | 427 | 394 | 439 | 460 | 401 | 447 |
| Total liabilities | 7,357 | 12,590 | 15,060 | 17,482 | 21,858 | 28,871 | 27,802 | 31,930 |
| Fixed assets | 25 | 576 | 573 | 629 | 599 | 609 | 604 | 588 |
| CWIP | 2 | 3 | 1 | 3 | 4 | 5 | 4 | 0 |
| Investments | 0 | 46 | 1 | 1 | 455 | 1,439 | 893 | 1,075 |
| Other assets | 7,330 | 11,965 | 14,486 | 16,849 | 20,801 | 26,818 | 26,302 | 30,267 |
| Total assets | 7,357 | 12,590 | 15,060 | 17,482 | 21,858 | 28,871 | 27,802 | 31,930 |
As reported by the company. Total assets equal total liabilities by construction.
CreditAccess Grameen Ltd cash flow
| ₹ crore | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | -1,378 | -2,228 | -455 | -2,713 | -3,290 | -4,734 | 1,125 | -2,770 |
| Cash from investing | -7 | -638 | 24 | -33 | -314 | -994 | 708 | -101 |
| Cash from financing | 1,829 | 2,921 | 2,146 | 1,967 | 3,365 | 5,494 | -1,669 | 2,751 |
| Net cash flow | 444 | 54 | 1,715 | -780 | -239 | -234 | 164 | -120 |
| Free cash flow | -1,396 | -2,250 | -469 | -2,741 | -3,307 | -4,754 | 1,092 | -2,787 |
| CFO / operating profit | -130% | -194% | -29% | -181% | -132% | -112% | 54% | -86% |
Negative figures are outflows. CFO / operating profit is a ratio, not an amount.
CreditAccess Grameen Ltd operating ratios
| Per year | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| ROE % | 14% | 13% | 4% | 9% | 18% | 25% | 8% | 11% |
Ratios as computed by the source from the reported statements. Rows a company does not report are omitted.
CreditAccess Grameen Ltd shareholding pattern
Promoters held 66.21% at Jun 2026, broadly unchanged since Jun 2025. FIIs 13.48% and DIIs 12.67%.
| % held | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters | 66.54% | 66.50% | 66.43% | 66.43% | 66.37% | 66.28% | 66.24% | 66.21% |
| FIIs | 10.76% | 9.76% | 11.38% | 12.13% | 12.29% | 11.68% | 12.94% | 13.48% |
| DIIs | 14.86% | 14.17% | 12.67% | 12.76% | 13.33% | 13.23% | 12.59% | 12.67% |
| Public | 7.83% | 9.57% | 9.50% | 8.67% | 8.02% | 8.81% | 8.23% | 7.64% |
| No. of shareholders | 1,03,928 | 1,25,004 | 1,19,819 | 1,01,902 | 83,943 | 85,666 | 83,884 | 79,071 |
As disclosed by the company to the exchanges. The last row is a count of shareholders, not a percentage.
CreditAccess Grameen Ltd corporate filings
- Certificate under 74(5) of SEBI (DP) Regulations, 2018Company Updatelow impact
- CreditAccess Grameen Ltd allots new equity shares under ESOP planCompany Updatelow impact
Cruxal's analysis: On October 7, 2026, CreditAccess Grameen announced the allotment of equity shares under…
Read the full analysis - CreditAccess Grameen Ltd releases interim business update for September 2026, no significant financial changes reportedCompany Updatelow impact
Cruxal's analysis: The company, with a market cap of approximately 19,522 crore, issued a routine interim…
Read the full analysis - Allotment of Non-Convertible Debentures on Private Placement basis by CreditAccess Grameen LtdCompany Updatelow impact
Cruxal's analysis: CreditAccess Grameen Ltd announced the allotment of non-convertible debentures on a…
Read the full analysis - CreditAccess Grameen completes INR 260.64 crore direct assignment transactionCompany Updatelow impact
Cruxal's analysis: The company announced the completion of a direct assignment transaction aggregating INR…
Read the full analysis - CreditAccess Grameen schedules investor meet on 30th September 2026Company Updatelow impact
Cruxal's analysis: The company has announced an investor and analyst meet scheduled for 30th September 2026…
Read the full analysis - Closure of Trading WindowInsider Trading / SASTlow impact
- CreditAccess Grameen Ltd schedules investor meeting for September 28, 2026Company Updatelow impact
Cruxal's analysis: CreditAccess Grameen Ltd has announced a scheduled meeting with investors to take place…
Read the full analysis - CreditAccess Grameen Ltd announces allotment of equity shares under ESOPCompany Updatelow impact
Cruxal's analysis: CreditAccess Grameen Ltd has completed the allotment of equity shares pursuant to the…
Read the full analysis - CreditAccess Grameen Ltd announces upcoming investor meetCompany Updatelow impact
Cruxal's analysis: CreditAccess Grameen Ltd has issued an intimation regarding an upcoming analyst/investor…
Read the full analysis - CreditAccess Grameen Ltd schedules investor meet for September 22, 2026Company Updatelow impact
Cruxal's analysis: CreditAccess Grameen Ltd has issued an intimation regarding an investor meeting scheduled…
Read the full analysis - CreditAccess Grameen Ltd schedules investor meet for September 23, 2026Company Updatelow impact
Cruxal's analysis: CreditAccess Grameen Ltd has announced an investor meeting scheduled for September 23…
Read the full analysis - CreditAccess Grameen Ltd: Press Release Filing under Regulation 30Company Updatelow impact
Cruxal's analysis: CreditAccess Grameen Ltd has filed a press release under Regulation 30 of the SEBI (LODR)…
Read the full analysis - CreditAccess Grameen Ltd announces allotment of Non-Convertible DebenturesCompany Updatelow impact
Cruxal's analysis: CreditAccess Grameen Ltd has completed the allotment of Non-Convertible Debentures (NCDs)…
Read the full analysis - CreditAccess Grameen Ltd announces allotment of equity shares under ESOPCompany Updatelow impact
Cruxal's analysis: CreditAccess Grameen Ltd has completed the allotment of equity shares pursuant to the…
Read the full analysis - CreditAccess Grameen Ltd schedules investor meeting for 21st August 2026Company Updatelow impact
Cruxal's analysis: CreditAccess Grameen Ltd has issued an intimation regarding a scheduled investor meeting…
Read the full analysis - CreditAccess Grameen Ltd schedules analyst and investor meeting for August 14, 2026Company Updatelow impact
Cruxal's analysis: CreditAccess Grameen Ltd has announced an analyst and investor meeting scheduled for…
Read the full analysis - CreditAccess Grameen Ltd schedules analyst and investor meeting for August 12, 2026Company Updatelow impact
Cruxal's analysis: CreditAccess Grameen Ltd has issued an intimation regarding an analyst and investor…
Read the full analysis - CreditAccess Grameen Ltd announces intimation of investor meetCompany Updatelow impact
Cruxal's analysis: CreditAccess Grameen Ltd has filed an intimation regarding an upcoming analyst/investor…
Read the full analysis - CreditAccess Grameen Ltd announces allotment of equity shares under ESOPCompany Updatelow impact
Cruxal's analysis: CreditAccess Grameen Ltd has issued and allotted equity shares to eligible employees…
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