Creditaccess Grameen Ltd
NSE: CREDITACC · Microfinance Institutions · sector
₹997.50NSE close 2026-10-26
Key numbers
Market cap₹15,986 cr
Price₹997.50
52w high / low₹1,634 / ₹998
P/E13.2xSector median 11.6x
P/B2.0xSector median 0.9x
Book value₹489.3
Dividend yield–
ROE16.4%Sector median 8.9%
ROA3.79%Sector median 2.03%
Gross NPA–
Net NPA–
CET1–
Sales growth 3y+19.6%Sector median +8.1%
Profit growth 3y-2.0%Sector median -2.0%
PEG–
Last 12 months to Jun 2026, Standalone. "Sector median" = middle value of 5 companies in Microfinance Institutions (P/E median leaves out loss-making companies). Tap ? for what a number means.
Things to know
- Promoter holding fell by 2.54 percentage points in a year, to 63.83% (2026-09-30).
- Net loss in 1 of the last 8 quarters.
- Total income was higher than a year earlier in 4 of the last 4 quarters.
- Dividend paid in 1 of the last 5 financial years.
- Price ₹997.50 on 2026-10-26: -39.0% from the 52-week high, 0.0% from the 52-week low.
Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.
Charts
Weekly close · high ₹1,590.40 · low ₹839.65
Total incomeNet profit
Total incomeNet profit
Quarterly results
| ₹ cr | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 1,453 | 1,380 | 1,407 | 1,463 | 1,508 | 1,490 | 1,597 | 1,783 |
| Net interest income | 1,453 | 1,380 | 1,407 | 1,463 | 1,508 | 1,490 | 1,597 | 1,783 |
| Other income | 1 | 2 | 1 | 1 | 1 | 1 | 1 | 1 |
| Net profit | 186 | -100 | 47 | 60 | 126 | 252 | 340 | 493 |
| EPS (₹) | 11.67 | -6.24 | 2.96 | 3.77 | 7.87 | 15.76 | 21.20 | 30.79 |
| Revenue YoY | +3.8% | +8.0% | +13.6% | +21.9% | ||||
| Profit YoY | -32.4% | – | +619.2% | +719.7% |
Standalone figures where filed. Latest quarter Jun 2026.
Profit & loss (yearly)
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 | TTM |
|---|---|---|---|---|---|---|
| Revenue | 2,289 | 3,545 | 5,167 | 5,752 | 6,059 | 6,380 |
| Net profit | 382 | 826 | 1,446 | 531 | 778 | 1,211 |
| EPS (₹) | 24.54 | 52.04 | 90.88 | 33.32 | 48.63 | 75.62 |
| Revenue growth | +54.8% | +45.7% | +11.3% | +5.3% | +11.9% | |
| Profit growth | +116.2% | +75.0% | -63.2% | +46.3% | +524.3% | |
| Dividend / share (₹) | – | – | – | 10.00 | – |
| Compounded growth | 3 years | 5 years | Last 12 months |
|---|---|---|---|
| Sales | +19.6% | +24.5% | +11.9% |
| Net profit | -2.0% | +40.4% | +524.3% |
| EPS | -2.2% | +38.6% | – |
| Share price | – | +6.1% (2y) | -11.8% |
Balance sheet
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Shareholders' equity | – | 5,107 | 6,570 | 6,956 | 7,842 |
| Borrowings | – | 14,562 | 19,774 | 18,879 | 22,729 |
| Cash & equivalents | – | 1,436 | 1,314 | 1,443 | 1,327 |
| Total assets | – | 21,858 | 28,846 | 27,802 | 31,930 |
| Fixed assets | – | 32 | 32 | 44 | 44 |
| Capital work in progress | – | 0 | 0 | 0 | 0 |
| Inventory | – | 0 | 0 | 0 | 0 |
Year-end figures from the March annual filing.
Cash flow
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Cash from operations | -1,969 | -3,290 | -4,734 | 1,125 | -2,770 |
| Cash from investing | -189 | -314 | -994 | 708 | -101 |
| Cash from financing | 1,684 | 3,365 | 5,494 | -1,669 | 2,751 |
| Capex | 23 | 17 | 20 | 34 | 18 |
| Free cash flow | -1,992 | -3,307 | -4,754 | 1,092 | -2,788 |
Free cash flow = cash from operations − capex.
Ratios by year
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| ROE % | – | 16.2% | 22.0% | 7.6% | 9.9% |
Shareholding
| Holder | % (2026-09-30) |
|---|---|
| Promoters | 63.83% |
| FIIs | 14.73% |
| DIIs | 13.77% |
| of which Mutual funds | 11.31% |
| of which Insurance | 1.50% |
| Government | 0.00% |
| Public (non-institutions) | 7.68% |
| Quarter | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters % | 66.50% | 66.43% | 66.43% | 66.37% | 66.28% | 66.24% | 66.21% | 63.83% |
| Promoter group | % |
|---|---|
| Creditaccess India B.V. | 63.83% |
| CreditAccess Life Insuance Limited | 0.00% |
| Public holders above 1% | % |
|---|---|
| Altiva Hybrid Long-short Fund | 2.17% |
| Government Pension Fund Global | 2.07% |
| Schroder International Selection Fund Global Emerg | 1.48% |
| Axis Mutual Fund Trustee Limited A/C Axis Mutual F | 1.26% |
| HDFC Mutual Fund - HDFC BSE 500 ETF | 1.19% |
| ICICI Prudential Nifty Smallcap 250 ETF | 1.17% |
| HSBC Mutual Fund - HSBC Financial Services Fund | 1.12% |
78,179 shareholders. Pledged: – of promoter shares.
Peers in Microfinance Institutions
Dividends & corporate actions
| Ex-date | Action | Detail |
|---|---|---|
| 2024-07-26 | Dividend | Annual General Meeting/Dividend - Rs 10 Per Share |
| 2020-08-06 | Other | Annual General Meeting |
| 2019-07-25 | Other | Annual General Meeting |
Documents
- Annual report FY26
- Annual report FY25
- Annual report FY24
- Annual report FY23
- Annual report FY22
- Announcements NSE filings
- BRSR FY26
- Latest results (data file) XBRL
- Announcements BSE filings
Links go to the original files on the exchange website.
About the company
- Inclusive Financial Services: Providing diversified financial services to low and middle-income households.
| Sector | Financial Services |
| Industry | Microfinance Institutions |
| Sub-industry | Microfinance Institutions |
| Symbol | CREDITACC |
| BSE code | 541770 |
| ISIN | INE741K01010 |
| Face value | ₹10.0 |
| Incorporated | 1991-06-12 |
| Website | www.creditaccessgrameen.in |
| Plants (India / abroad) | 0 / 0 |
From the company's filings (BRSR FY26).
Data built 2026-10-22 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.