CreditAccess Grameen Q1 FY26 Results:
Net profit for the period plummeted 85% to ₹60 crores in Q1 FY26, from ₹398 crores in Q1 FY25. Total income for the quarter decreased 3% year-on-year to ₹1,464 crores from ₹1,513 crores.
About CreditAccess Grameen Ltd
CreditAccess Grameen Ltd (CAGL) is India's largest NBFC-MFI. It provides financial services to economically underserved women. The company was founded in 1991 as a non-profit organization. Later, it became an NBFC in 1999 and received its NBFC-MFI license from RBI in 2013. CAFL is headquartered in Bengaluru. The company offers Income Generation Loans through Joint Liability Groups, Family Welfare, Emergency, Individual Business, and Retail Finance Loans. It operates in the Financial Services sector. However, the company primarily operates in the Microfinance segment. CAGL holds the top position in market share NBFC-MFIs. +
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LOGINOver 1 Month
-3.52%
Over 6 Months
-5.43%
Over 1 Year
8.84%
Over 3 Years
3.44%
CreditAccess Grameen Ltd Summary
Close ₹1,273.80
Open ₹1,267
High ₹1,299.90
Low ₹1,253
Volume 1,57,643
Net Turnover (in Cr) ₹20.08
52Wk High ₹1,568
52Wk Low ₹1,099.70
52Wk High / Low
1,099.70
1,568
CreditAccess Grameen Ltd Fundamentals
Key Financial Data
Market Cap (in Cr) ₹20,409.18
EPS (TTM) 48.53
Book Value (BV) 489.46
Div. Yield -
P/E (TTM) 26.22
Price/Book Value 2.60
Delivery % 41.20 %
Face Value 10
Key Ratios
PE Ratio 28.63
PB Ratio 2.19
EV to Sales 5.95
PEG Ratio -0.45
ROA 1.94
ROE 7.86
Debt-Equity 3.13
Net Profit Margin 9.23
Operating Profit Margin 47.36
CreditAccess Grameen Ltd Financials
Profit and Loss
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Total Revenue | 5,756.14 | 5,172.65 | 3,550.79 | 2,750.13 | 2,466.07 |
| Total Expenses | 5,047.27 | 3,233.47 | 2,445.37 | 2,269.34 | 2,285.67 |
| Profit Before Tax | 708.87 | 1,939.18 | 1,105.42 | 480.79 | 180.40 |
| Profit After Tax | 531.40 | 1,445.93 | 826.06 | 353.07 | 131.40 |
| Operating Profit After Depreciation | 708.87 | 1,939.18 | 1,105.42 | 480.79 | 180.40 |
Balance Sheet
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Fixed Assets | 607.08 | 613.62 | 602.97 | 631.96 | 573.39 |
| Total Non Current Assets | 26,129.78 | 27,294.43 | 20,181.76 | 15,553.22 | 12,398.50 |
| Total Current Assets | 1,672.67 | 1,576.40 | 1,676.34 | 1,928.73 | 2,661.73 |
| Total Assets | 27,802.45 | 28,870.83 | 21,858.10 | 17,481.95 | 15,060.23 |
| Total Shareholder's Fund | 6,955.97 | 6,569.98 | 5,106.97 | 4,166.91 | 3,691.55 |
Cash Flow
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Net Cash From Operating Activities | 1,125.24 | -4,733.78 | -3,289.78 | -2,713.47 | -454.67 |
| Net Cash Used In Investing Activities | 708.34 | -994.20 | -314.43 | -32.96 | 23.53 |
| Net Cash Used In Financing Activities | -1,669.38 | 5,493.86 | 3,365.07 | 1,966.89 | 2,146.36 |
Profit and Loss
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Total Revenue | 5,756.14 | 5,172.65 | 3,550.76 | 2,750.06 | 2,031.14 |
| Total Expenses | 5,047.27 | 3,233.47 | 2,445.37 | 2,269.26 | 1,836.85 |
| Profit Before Tax | 708.87 | 1,939.18 | 1,105.39 | 480.80 | 194.29 |
| Profit After Tax | 531.40 | 1,445.93 | 826.03 | 353.08 | 142.39 |
| Operating Profit After Depreciation | 708.87 | 1,939.18 | 1,105.39 | 480.80 | 194.29 |
Balance Sheet
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Fixed Assets | 607.08 | 613.60 | 602.95 | 631.94 | 101.38 |
| Total Non Current Assets | 26,129.79 | 27,294.42 | 20,181.75 | 15,553.21 | 10,597.14 |
| Total Current Assets | 1,672.44 | 1,576.26 | 1,676.31 | 1,928.51 | 2,099.65 |
| Total Assets | 27,802.23 | 28,870.68 | 21,858.06 | 17,481.72 | 12,696.79 |
| Total Shareholder's Fund | 6,955.94 | 6,569.95 | 5,106.94 | 4,166.91 | 3,634.81 |
Cash Flow
| Particulars (in ₹ Cr.) | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Net Cash From Operating Activities | 1,125.16 | -4,733.89 | -3,289.76 | -1,968.56 | -364.32 |
| Net Cash Used In Investing Activities | 708.33 | -994.20 | -314.42 | -189.25 | -31.67 |
| Net Cash Used In Financing Activities | -1,669.38 | 5,493.86 | 3,365.07 | 1,684.38 | 1,705.96 |
| Particulars (in ₹ Cr.) | 2026-03 | 2025-12 | 2025-09 | 2025-06 | 2025-03 |
|---|---|---|---|---|---|
| Total Revenue | 1,597.27 | 1,490.41 | 1,508.35 | 1,462.89 | 1,406.63 |
| Total Expenses | 1,137.89 | 1,137.01 | 1,324.06 | 1,367.29 | 1,341.47 |
| Profit Before Tax | -33.05 | -121.42 | -310.36 | -401.04 | -426.70 |
| Profit After Tax | 339.55 | 252.09 | 125.81 | 60.19 | 47.21 |
| Operating Profit after Depreciation | 460.69 | 354.30 | 184.96 | 96.34 | 66.24 |
| Particulars (in ₹ Cr.) | 2026-03 | 2025-12 | 2025-09 | 2025-06 | 2025-03 |
|---|---|---|---|---|---|
| Total Revenue | 1,597.27 | 1,490.41 | 1,508.35 | 1,462.89 | 1,406.63 |
| Total Expenses | 1,137.89 | 1,137.01 | 1,324.06 | 1,367.29 | 1,341.47 |
| Profit Before Tax | -33.05 | -121.42 | -310.36 | -401.04 | -426.70 |
| Profit After Tax | 339.55 | 252.09 | 125.81 | 60.19 | 47.21 |
| Operating Profit after Depreciation | 460.69 | 354.30 | 184.96 | 96.34 | 66.24 |
CreditAccess Grameen Ltd Technicals
Support and Resistance
S3 S2 S1 Pivot R1 R2 R3
S1 1,251.23
S2 1,228.67
S3 1,204.33
Pivot 1,275.57
R1 1,298.13
R2 1,322.47
R3 1,345.03
Moving Average
20 SMA 1,333.01
50 SMA 1,276.66
100 SMA 1,275.14
200 SMA 1,310.34
CreditAccess Grameen Ltd Corporate Actions
CreditAccess Grameen Ltd
₹10.0/Share
Announcement Date 26 Jul 2024
Record Date 26 Jul 2024
Div Yield 100%
CreditAccess Grameen Ltd Peer Comparison
| Company | Price | Market Cap (in Cr) |
|---|---|---|
| Bajaj Finance Ltd | ₹873.90 | ₹5,44,086.15 |
| Bajaj Finserv Ltd | ₹1,709.95 | ₹2,73,686.05 |
| Shriram Finance Ltd | ₹915.70 | ₹2,15,448.70 |
| ICICI Prudential Asset Management Co Ltd | ₹3,311.25 | ₹1,63,661.35 |
| Jio Financial Services Ltd | ₹235.70 | ₹1,55,636.05 |
CreditAccess Grameen Ltd Top Mutal Funds Invested
| Fund Name | AUM |
|---|---|
| Edelweiss Mid Cap Fund | 1.23% |
| Canara Robeco Small Cap Fund | 1.17% |
| HDFC Retirement Savings Fund - Equity | 1.06% |
| ICICI Pru Multicap Fund | 0.93% |
| UTI-Mid Cap Fund | 0.85% |
CreditAccess Grameen Ltd News
CreditAccess Grameen allots 9,750 equity shares under ESOP
22 May 2026, 06:17 pm
CreditAccess Grameen allots 19,956 equity shares under ESOP
13 May 2026, 11:02 am
Volumes spurt at CreditAccess Grameen Ltd counter
CreditAccess Grameen Ltd registered volume of 75.91 lakh shares by 14:14 IST on NSE, a 29.29 fold spurt over two-week average daily volume of 2.59 lakh shares
05 May 2026, 02:30 pm
CreditAccess Grameen declare Quarterly Result
On 8 May 2026
30 Apr 2026, 05:37 pm
CreditAccess Grameen allots 6,800 equity shares under ESOP
21 Apr 2026, 02:46 pm
CreditAccess Grameen Ltd Stock Analysis
- Annual revenue for CreditAccess Grameen Ltd increased by 11.28% to ₹5,756.14 crore in FY 2025 from ₹5,172.65 crore in FY 2024.
- Annual Net Profit for CreditAccess Grameen Ltd decreased by 63.25% to ₹531.40 crore in FY 2025 from ₹1,445.93 crore in FY 2024.
- Promoter Shareholding in CreditAccess Grameen Ltd decreased by 0.07% in the most recent quarter, from 66.28% in December 2025 to 66.24% in March 2026.
- CreditAccess Grameen Ltd delivered a 1-year return of 8.84% compared to the Nifty 50, which provided a return of -4.89% as of the last trading session.
- CreditAccess Grameen Ltd share price moved up by 0.10% from its previous close of INR ₹1,273.80. The latest CreditAccess Grameen Ltd share price is INR ₹1,275.10.
- CreditAccess Grameen Ltd share price today has been at a low of 1,270 and a high of 1,293.10. Over the past 52 weeks, the CreditAccess Grameen Ltd share price has seen a low of 1,099.70 and a high of 1,568.
About CreditAccess Grameen Ltd
CreditAccess Grameen Ltd (CAGL) was formerly known as Grameen Koota Financial Services. It is one of India's leading microfinance institutions. CAGL provides financial services to economically underserved women. The company operates in the Financial Services sector, specifically in the Microfinance (NBFC-MFI) segment.
CAGL was established in 1991 in Karnataka as a non-profit organization. It was transformed into a Non-Banking Financial Company (NBFC) in 1999. The company received its NBFC-MFI license from the RBI in 2013. The corporate headquarters is located in Bengaluru, Karnataka.
The company's promoter is CreditAccess Asia N.V. (formerly known as CreditAccess Asia B.V.). Additionally, CreditAccess Asia N.V. is a multinational company specializing in MSE financing. The promoter holding of CAGL stands at 66.54% of the total shareholding. This indicates a strong promoter confidence in the business.
CAGL's main products include Income Generation Loans (Joint Liability Group Loans), Family Welfare Loans, Emergency Loans, Individual Business Loans, and Retail Finance Loans. CreditAccess Grameen is India's largest NBFC-MFI in Gross Loan Portfolio (GLP). The company holds the #1 position in the pure-play microfinance space with a market share among NBFC-MFIs.
CAGL Registered Office is located at No.49, 46th Cross, 8th Block, Jayanagar, Bengaluru - 560071. Its registrar & transfer agent is KFin Technologies Limited. Udaya Kumar Hebbar serves as the managing director and CEO of the company. Other key managerial promoters of CAGL include:
Digital Transformation and Technology Integration CreditAccess Grameen is heavily investing in digital transformation to enhance operational efficiency and customer experience. The company is implementing a comprehensive digital roadmap. This includes mobile-based loan origination, paperless documentation, and digital payment solutions. They are developing a solid mobile app for customers to access their loan details, make payments, and apply for new loans. Integrating analytics and AI will help better credit assessment and fraud detection. This will ultimately reduce operational costs and improve risk management.
Geographic Expansion and Market Penetration The company has outlined an aggressive expansion plan to penetrate deeper into existing markets while entering new geographies. Their strategy focuses on expanding into underserved northern and eastern states of India, where microfinance penetration is relatively low. They plan to maintain their leadership position in existing strong markets like Maharashtra, and Tamil Nadu. Also, they are establishing a significant presence in states like Uttar Pradesh, Bihar, and West Bengal. This geographic diversification will help mitigate concentration risk and capture new growth opportunities.
Product Diversification and Cross-Selling Moving beyond traditional microfinance products, CAGL is developing new product offerings to cater to evolving customer needs. They are introducing higher-ticket individual loans for mature customers. These loans are offered to customers with good credit history, home improvement, and education loans. The company is also exploring partnerships with fintech companies and insurance providers. These partnerships are aimed at offering comprehensive financial solutions to CAGL customers. This product diversification strategy will help increase customer retention and wallet share while improving profitability.
Focus on Rural Markets and Financial Inclusion The company continues to strengthen its focus on rural markets, where banking penetration remains low. Their strategy includes establishing deeper connections with rural communities through their branch network and field officers. They are also working on financial literacy programs and skill development initiatives to empower their customers. This approach supports CAGL's growth and contributes to the broader goal of financial inclusion.
Asset Quality and Risk Management To maintain sustainable growth, CAGL is strengthening its risk management framework. They are implementing more sophisticated credit assessment models using data analytics and alternative data sources. The company is also focusing on maintaining optimal portfolio quality through regular monitoring and early warning systems. Their strategy includes maintaining adequate capital buffers and diversifying funding sources. This ensures stable growth.
Technology Infrastructure and Process Automation The company is investing significantly in upgrading its technology infrastructure. This includes implementing a new core banking system, cloud integration, and automation of back-end processes. They are also developing advanced analytics capabilities for better decision-making and customer insights. The technology transformation will help reduce operational costs and improve service delivery efficiency. ESG Integration and Sustainable Growth The company is increasingly integrating Environmental, Social, and Governance (ESG) factors into its business strategy. They are developing green lending products and implementing environmental in their lending processes. The focus is on supporting sustainable businesses and promoting responsible lending practices. This approach will help them attract positive investors and enhance their reputation in the market.
CAGL was established in 1991 in Karnataka as a non-profit organization. It was transformed into a Non-Banking Financial Company (NBFC) in 1999. The company received its NBFC-MFI license from the RBI in 2013. The corporate headquarters is located in Bengaluru, Karnataka.
The company's promoter is CreditAccess Asia N.V. (formerly known as CreditAccess Asia B.V.). Additionally, CreditAccess Asia N.V. is a multinational company specializing in MSE financing. The promoter holding of CAGL stands at 66.54% of the total shareholding. This indicates a strong promoter confidence in the business.
CAGL's main products include Income Generation Loans (Joint Liability Group Loans), Family Welfare Loans, Emergency Loans, Individual Business Loans, and Retail Finance Loans. CreditAccess Grameen is India's largest NBFC-MFI in Gross Loan Portfolio (GLP). The company holds the #1 position in the pure-play microfinance space with a market share among NBFC-MFIs.
CAGL Registered Office is located at No.49, 46th Cross, 8th Block, Jayanagar, Bengaluru - 560071. Its registrar & transfer agent is KFin Technologies Limited. Udaya Kumar Hebbar serves as the managing director and CEO of the company. Other key managerial promoters of CAGL include:
- George Joseph (Chairman & Ind.Director)
- Paolo Brichetti (Vice Chairman & Non-Exe. Dire)
- Rekha Gopal Warriar (Independent Director)
- Manoj Kumar (Independent Director)
Future Strategy of the Company
CreditAccess Grameen Ltd (CAGL) is India's top NBFC-MFI provider. It mainly offers financial services to economically underserved women. The company operates in the financial service sector. CAGL has the future goals to enhance its customer experience and expand itself in the market while adapting to the changing market needs.Digital Transformation and Technology Integration CreditAccess Grameen is heavily investing in digital transformation to enhance operational efficiency and customer experience. The company is implementing a comprehensive digital roadmap. This includes mobile-based loan origination, paperless documentation, and digital payment solutions. They are developing a solid mobile app for customers to access their loan details, make payments, and apply for new loans. Integrating analytics and AI will help better credit assessment and fraud detection. This will ultimately reduce operational costs and improve risk management.
Geographic Expansion and Market Penetration The company has outlined an aggressive expansion plan to penetrate deeper into existing markets while entering new geographies. Their strategy focuses on expanding into underserved northern and eastern states of India, where microfinance penetration is relatively low. They plan to maintain their leadership position in existing strong markets like Maharashtra, and Tamil Nadu. Also, they are establishing a significant presence in states like Uttar Pradesh, Bihar, and West Bengal. This geographic diversification will help mitigate concentration risk and capture new growth opportunities.
Product Diversification and Cross-Selling Moving beyond traditional microfinance products, CAGL is developing new product offerings to cater to evolving customer needs. They are introducing higher-ticket individual loans for mature customers. These loans are offered to customers with good credit history, home improvement, and education loans. The company is also exploring partnerships with fintech companies and insurance providers. These partnerships are aimed at offering comprehensive financial solutions to CAGL customers. This product diversification strategy will help increase customer retention and wallet share while improving profitability.
Focus on Rural Markets and Financial Inclusion The company continues to strengthen its focus on rural markets, where banking penetration remains low. Their strategy includes establishing deeper connections with rural communities through their branch network and field officers. They are also working on financial literacy programs and skill development initiatives to empower their customers. This approach supports CAGL's growth and contributes to the broader goal of financial inclusion.
Asset Quality and Risk Management To maintain sustainable growth, CAGL is strengthening its risk management framework. They are implementing more sophisticated credit assessment models using data analytics and alternative data sources. The company is also focusing on maintaining optimal portfolio quality through regular monitoring and early warning systems. Their strategy includes maintaining adequate capital buffers and diversifying funding sources. This ensures stable growth.
Technology Infrastructure and Process Automation The company is investing significantly in upgrading its technology infrastructure. This includes implementing a new core banking system, cloud integration, and automation of back-end processes. They are also developing advanced analytics capabilities for better decision-making and customer insights. The technology transformation will help reduce operational costs and improve service delivery efficiency. ESG Integration and Sustainable Growth The company is increasingly integrating Environmental, Social, and Governance (ESG) factors into its business strategy. They are developing green lending products and implementing environmental in their lending processes. The focus is on supporting sustainable businesses and promoting responsible lending practices. This approach will help them attract positive investors and enhance their reputation in the market.
FAQ’s
What is the share price of CreditAccess Grameen Ltd today?
CreditAccess Grameen Ltd share price as on 6 Jun 2026 is ₹ 1275.1
What is the Market Cap of CreditAccess Grameen Ltd?
The market cap of CreditAccess Grameen Ltd stock is ₹20,409.18 Cr.
What is the PE Ratio of CreditAccess Grameen Ltd?
The Price to Earnings (P/E) Ratio of CreditAccess Grameen Ltd is 28.63
What is the PB Ratio of CreditAccess Grameen Ltd?
The Price to Book (P/B) Ratio of CreditAccess Grameen Ltd is 2.19
What is the 52 week high of CreditAccess Grameen Ltd Share Price?
The 52 week high of CreditAccess Grameen Ltd share price stands at ₹1,568
What is the 52 week low of CreditAccess Grameen Ltd Share Price?
The 52 week low of CreditAccess Grameen Ltd share price stands at ₹1,099.70
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