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:
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:
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95.15 (0.39%)
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Nifty
Sensex
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77763.91
95.15 (0.39%)
261.79 (0.34%)

CreditAccess Grameen Ltd.

Finance - NBFC - MFI

Rating :
68/99

BSE: 541770 | NSE: CREDITACC

NSE BSE
1557.40
03-Jul-2026
  • Open
  • High
  • Low
  • Previous Close
  •  1539.9
  •  1589
  •  1539.9
  •  1543.30
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  564628
  •  884209993.3
  •  1589
  •  1113

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 24,950.01
  • 32.08
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 47,319.41
  • N/A
  • 3.21

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 66.24%
  • 0.42%
  • 6.71%
  • FII
  • DII
  • Others
  • 12.94%
  • 11.43%
  • 2.26%

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 24.06
  • 17.18
  • 5.45

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 21.22
  • 14.73
  • -4.24

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 26.31
  • 17.11
  • -18.68

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • 25.85
  • 21.53

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • 3.19
  • 3.13

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • -
  • 13.82
  • 12.89

Earnings Forecasts:

(Updated: 27-06-2026)
Description
2026
2027
2028
2029
Adj EPS
52.71
47.84
91.25
111.55
P/E Ratio
29.55
32.55
17.07
13.96
Revenue
8.41
4135.05
4817.6
5790.95
EBITDA
7135.63
2806.8
3092.6
3698.8
Net Income
-
765.85
1474.7
1871.9
ROA
2546.44
2.6
4.25
4.5
P/B Ratio
-
3.24
2.73
2.27
ROE
1.56
10.37
17.6
18.65
FCFF
20.19
-
-
-
FCFF Yield
-
-
-
-
Net Debt
-
-
-
-
BVPS
-
481.05
569.7
686.35

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 26
Mar 25
Var%
Dec 25
Dec 24
Var%
Sep 25
Sep 24
Var%
Jun 25
Jun 24
Var%
Net Sales
1,597.27
1,406.63
13.55%
1,490.41
1,380.38
7.97%
1,508.35
1,453.29
3.79%
1,462.89
1,512.03
-3.25%
Expenses
659.84
863.69
-23.60%
677.67
1,020.46
-33.59%
844.54
700.14
20.62%
885.13
453.18
95.32%
EBITDA
937.43
542.94
72.66%
812.74
359.92
125.81%
663.81
753.15
-11.86%
577.76
1,058.85
-45.44%
EBIDTM
58.69%
38.60%
54.53%
26.07%
44.01%
51.82%
39.49%
70.03%
Other Income
1.31
1.08
21.30%
0.90
1.55
-41.94%
0.67
0.63
6.35%
0.74
0.55
34.55%
Interest
478.05
477.78
0.06%
459.34
474.87
-3.27%
479.52
484.60
-1.05%
482.16
510.31
-5.52%
Depreciation
15.69
15.16
3.50%
16.38
15.53
5.47%
15.80
17.19
-8.09%
15.22
14.35
6.06%
PBT
445.00
51.08
771.18%
337.92
-128.93
-
169.16
251.99
-32.87%
81.12
534.74
-84.83%
Tax
105.45
3.87
2,624.81%
85.83
-29.41
-
43.35
65.93
-34.25%
20.93
137.08
-84.73%
PAT
339.55
47.21
619.23%
252.09
-99.52
-
125.81
186.06
-32.38%
60.19
397.66
-84.86%
PATM
21.26%
3.36%
16.91%
-7.21%
8.34%
12.80%
4.11%
26.30%
EPS
21.20
2.96
616.22%
15.75
-6.24
-
7.87
11.67
-32.56%
3.77
24.95
-84.89%

Annual Results

Standalone Figures in Rs. Crores /

Consolidated
Description
TTM
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Net Sales
-
6,058.92
5,752.33
5,166.67
3,545.12
2,742.82
2,461.00
1,704.31
1,282.26
Net Sales Growth
-
5.33%
11.34%
45.74%
29.25%
11.45%
44.40%
32.91%
 
Cost Of Goods Sold
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross Profit
-
6,058.92
5,752.33
5,166.67
3,545.12
2,742.82
2,461.00
1,704.31
1,282.26
GP Margin
-
100%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
-
3,061.13
3,030.07
1,443.96
1,179.41
1,234.69
1,308.29
641.38
360.69
Power & Fuel Cost
-
7.83
7.15
6.68
5.43
4.23
3.47
2.82
1.96
% Of Sales
-
0.13%
0.12%
0.13%
0.15%
0.15%
0.14%
0.17%
0.15%
Employee Cost
-
879.09
730.36
669.43
515.24
437.66
379.99
262.05
186.05
% Of Sales
-
14.51%
12.70%
12.96%
14.53%
15.96%
15.44%
15.38%
14.51%
Manufacturing Exp.
-
139.93
123.90
103.97
82.26
62.34
45.92
29.50
23.91
% Of Sales
-
2.31%
2.15%
2.01%
2.32%
2.27%
1.87%
1.73%
1.86%
General & Admin Exp.
-
236.38
217.95
201.18
165.65
117.97
91.01
96.45
64.27
% Of Sales
-
3.90%
3.79%
3.89%
4.67%
4.30%
3.70%
5.66%
5.01%
Selling & Distn. Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0%
0%
0%
0%
0%
0%
0%
0%
Miscellaneous Exp.
-
1,805.73
1,957.86
469.38
416.26
616.72
791.37
253.38
86.46
% Of Sales
-
29.80%
34.04%
9.08%
11.74%
22.48%
32.16%
14.87%
6.74%
EBITDA
-
2,997.79
2,722.26
3,722.71
2,365.71
1,508.13
1,152.71
1,062.93
921.57
EBITDA Margin
-
49.48%
47.32%
72.05%
66.73%
54.98%
46.84%
62.37%
71.87%
Other Income
-
3.62
3.81
5.98
5.67
7.31
5.08
1.17
1.18
Interest
-
1,905.13
1,954.98
1,738.36
1,216.12
987.42
933.32
582.13
417.22
Depreciation
-
63.08
62.22
51.15
49.84
47.23
44.07
20.37
7.79
PBT
-
1,033.20
708.87
1,939.18
1,105.42
480.79
180.40
461.60
497.74
Tax
-
255.56
177.47
493.25
279.36
127.72
49.00
126.11
175.98
Tax Rate
-
24.73%
25.04%
25.44%
25.27%
26.56%
27.16%
27.32%
35.36%
PAT
-
777.64
531.40
1,445.93
826.06
353.07
134.02
333.55
321.76
PAT before Minority Interest
-
777.64
531.40
1,445.93
826.06
353.07
131.40
335.49
321.76
Minority Interest
-
0.00
0.00
0.00
0.00
0.00
2.62
-1.94
0.00
PAT Margin
-
12.83%
9.24%
27.99%
23.30%
12.87%
5.45%
19.57%
25.09%
PAT Growth
-
46.34%
-63.25%
75.04%
133.96%
163.45%
-59.82%
3.66%
 
EPS
-
48.54
33.17
90.26
51.56
22.04
8.37
20.82
20.08

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Shareholder's Funds
7,842.25
6,955.97
6,569.98
5,106.97
4,166.91
3,691.55
2,734.22
2,365.06
Share Capital
160.20
159.72
159.38
158.91
155.87
155.58
143.99
143.55
Total Reserves
7,615.89
6,746.99
6,379.43
4,928.65
3,999.32
3,527.45
2,581.62
2,212.72
Non-Current Liabilities
11,521.13
10,906.12
13,244.71
16,801.71
13,202.69
11,333.51
9,963.78
5,142.88
Secured Loans
10,712.13
9,972.60
11,945.24
16,009.67
12,710.17
10,652.06
9,436.64
4,829.50
Unsecured Loans
0.00
12.64
25.24
277.33
184.95
289.27
103.03
37.07
Long Term Provisions
1,051.03
1,186.76
1,323.35
528.84
462.96
496.27
481.55
319.45
Current Liabilities
13,462.67
11,117.30
10,219.97
624.68
595.61
390.36
201.10
121.37
Trade Payables
34.87
32.06
256.35
303.70
259.02
201.69
108.65
103.73
Other Current Liabilities
215.03
202.52
68.22
31.18
102.62
94.31
78.41
9.90
Short Term Borrowings
12,929.00
10,460.53
9,870.53
25.26
25.57
0.00
0.00
0.00
Short Term Provisions
283.77
422.19
24.87
264.54
208.40
94.36
14.04
7.74
Total Liabilities
32,826.05
28,979.39
30,034.66
22,533.36
17,965.21
15,520.25
13,008.05
7,629.31
Net Block
587.52
603.58
609.08
599.03
628.89
572.77
576.50
24.75
Gross Block
902.01
867.83
826.14
777.54
759.57
658.44
619.59
47.97
Accumulated Depreciation
314.49
264.25
217.06
178.51
130.68
85.67
43.09
23.22
Non Current Assets
29,933.70
26,187.41
27,194.34
20,218.81
15,903.69
12,816.12
12,221.20
6,959.75
Capital Work in Progress
0.11
3.50
4.54
3.94
3.07
0.62
2.84
2.36
Non Current Investment
0.00
0.70
0.54
0.54
0.54
0.54
45.56
0.20
Long Term Loans & Adv.
1,017.32
1,192.29
1,356.39
571.96
492.91
521.71
497.39
328.54
Other Non Current Assets
406.02
112.89
118.80
0.00
12.95
0.00
0.00
1.07
Current Assets
2,892.35
2,791.98
2,840.32
2,314.55
2,061.52
2,704.13
786.85
669.56
Current Investments
1,075.34
892.30
1,438.36
453.98
0.00
0.00
0.00
0.00
Inventories
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Sundry Debtors
0.00
0.00
0.00
0.00
0.00
0.00
0.22
0.09
Cash & Bank
1,271.73
1,343.36
1,222.01
1,436.43
1,761.39
2,484.38
717.64
615.55
Other Current Assets
545.28
183.54
179.95
165.81
300.13
219.75
68.99
53.92
Short Term Loans & Adv.
207.41
372.78
0.00
258.33
214.05
108.82
28.04
19.04
Net Current Assets
-10,570.32
-8,325.32
-7,379.65
1,689.87
1,465.91
2,313.77
585.75
548.19
Total Assets
32,826.05
28,979.39
30,034.66
22,533.36
17,965.21
15,520.25
13,008.05
7,629.31

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Cash From Operating Activity
-2,770.21
1,125.24
-4,733.78
-3,289.78
-2,713.47
-454.67
-2,252.64
-1,378.09
PBT
1,033.20
708.87
1,939.18
1,105.42
480.79
180.40
461.60
497.74
Adjustment
1,754.04
1,836.38
341.59
386.62
555.70
652.79
168.01
97.32
Changes in Working Capital
-5,361.15
-1,074.09
-6,453.62
-4,541.73
-3,629.64
-1,172.64
-2,718.23
-1,791.10
Cash after chg. in Working capital
-2,573.91
1,471.16
-4,172.85
-3,049.69
-2,593.15
-339.45
-2,088.62
-1,196.04
Interest Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Tax Paid
-196.30
-345.92
-560.93
-240.09
-120.32
-115.22
-164.02
-182.05
Other Direct Exp. Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Extra & Other Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-100.65
708.34
-994.20
-314.43
-32.96
23.53
-607.64
-7.14
Net Fixed Assets
-30.79
-40.65
-49.20
-18.84
-596.43
-34.37
-81.49
Net Investments
-182.34
545.90
-984.38
-453.98
662.38
-1.49
-661.24
Others
112.48
203.09
39.38
158.39
-98.91
59.39
135.09
Cash from Financing Activity
2,750.95
-1,669.38
5,493.86
3,365.07
1,966.89
2,146.36
2,914.71
1,828.93
Net Cash Inflow / Outflow
-119.91
164.20
-234.12
-239.14
-779.54
1,715.22
54.43
443.70
Opening Cash & Equivalents
1,271.49
1,107.29
1,341.41
1,580.55
2,360.09
644.87
590.44
130.03
Closing Cash & Equivalent
1,151.58
1,271.49
1,107.29
1,341.41
1,580.55
2,360.09
644.87
573.73

Financial Ratios

Standalone /

Consolidated
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Book Value (Rs.)
485.40
432.43
410.27
320.15
266.58
236.73
189.29
164.14
ROA
2.52%
1.80%
5.50%
4.08%
2.11%
0.92%
3.25%
4.22%
ROE
10.59%
7.90%
24.87%
17.87%
9.01%
4.10%
13.20%
13.66%
ROCE
9.98%
9.55%
14.76%
12.06%
9.26%
8.28%
10.70%
12.65%
Fixed Asset Turnover
6.85
6.79
6.44
4.61
3.87
3.85
5.11
26.73
Receivable days
0.00
0.00
0.00
0.00
0.00
0.00
0.03
0.03
Inventory Days
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Payable days
0.00
0.00
0.00
0.00
0.00
0.00
122.57
171.26
Cash Conversion Cycle
0.00
0.00
0.00
0.00
0.00
0.00
-122.54
-171.23
Total Debt/Equity
3.04
2.96
3.34
3.21
3.11
2.97
3.50
2.07
Interest Cover
1.54
1.36
2.12
1.91
1.49
1.19
1.79
2.19

Annual Reports:

FY 2026
FY 2025
FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018

News Update:


  • CreditAccess Grameen raises Rs 325 crore through NCDs
    25th Jun 2026, 10:47 AM

    The NCDs carry a coupon rate of 9.25% per annum (fixed), payable quarterly

    Read More
  • CreditAccess Grameen raises Rs 100 crore through NCDs
    13th Jun 2026, 10:44 AM

    The NCDs are proposed to be listed on the Wholesale Debt Market segment of BSE

    Read More
  • CreditAccess Grameen - Quarterly Results
    9th May 2026, 00:00 AM

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.