CREDITACCESS GRAMEEN LTD (CREDITACC) financials

CREDITACCESS GRAMEEN LTD (CREDITACC) NSE/BSE financials on Fincrux: quarterly results, profit and loss, cash flow, balance sheet, ratios, and shareholding.

CreditAccess Grameen Limited is registered as a non-deposit accepting NBFC - Microfinance Institution with the RBI. It is engaged in providing microfinance services to women who are enrolled as members and organized as Joint Liability Groups. It also uses its distribution channel to provide certain other financial products and services to the members.[1]

Market Cap: ₹19,797Cr.
Current Price: ₹1,233
Stock P/E: 16.4
ROE: 10.5%
ROCE: 9.98%
Book Value: ₹490
Dividend Yield: 0.00%
52W High / Low: ₹1,634/1,113

In Jun 2026, CREDITACCESS GRAMEEN LTD (CREDITACC) reported sales ₹1,783 Cr and net profit ₹493 Cr.

Annual TTM: sales ₹6,380 Cr, net profit ₹1,211 Cr.

Shareholding: Promoters 63.83% (Sep 2026), FIIs 14.73% (Sep 2026), DIIs 13.77% (Sep 2026), Public 7.68% (Sep 2026), No. of Shareholders 78,179% (Sep 2026).

CREDITACC quarterly results (₹ Cr.)
Category	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	1,453	1,380	1,407	1,463	1,508	1,490	1,597	1,783
Interest	485	475	478	482	480	459	478	550
Expenses	700	1,020	864	885	845	678	660	558
Financing Profit	269	-115	65	96	184	353	459	675
Financing Margin %	18%	-8%	5%	7%	12%	24%	29%	38%
Other Income	1	2	1	1	1	1	1	1
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 in Rs	11.67	-6.24	2.96	3.77	7.87	15.75	21.20	30.79
Gross NPA %	2.44%	3.99%	4.76%	4.70%	3.65%	4.04%	3.17%	2.18%
Net NPA %	0.76%	1.28%	1.73%	1.78%	1.26%	1.36%	1.12%	0.76%
Raw PDF	—	—	—	—	—	—	—	—

CREDITACC profit and loss (₹ Cr.)
Category	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	1,683	2,028	2,669	3,487	5,167	5,752	6,059	6,380
Interest	575	745	987	1,216	1,738	1,955	1,905	1,967
Expenses	639	1,069	1,235	1,179	1,444	3,030	3,061	2,740
Financing Profit	470	214	447	1,092	1,984	767	1,093	1,672
Financing Margin %	28%	11%	17%	31%	38%	13%	18%	26%
Other Income	1	3	81	64	6	4	4	4
Depreciation	20	23	47	50	51	62	63	64
Profit before tax	451	194	481	1,105	1,939	709	1,033	1,612
Tax %	27%	27%	27%	25%	25%	25%	25%	—
Net Profit	328	142	353	826	1,446	531	778	1,211
EPS in Rs	22.75	9.15	22.65	52.87	90.72	33.27	48.54	75.61
Dividend Payout %	0%	0%	0%	0%	11%	0%	0%	—

CREDITACC balance sheet (₹ Cr.)
Category	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	2,525	3,479	4,011	4,948	6,411	6,796	7,682
Borrowing	4,867	7,823	8,781	12,921	16,312	21,841	20,446	23,641
Other Liabilities	126	170	281	394	439	460	401	446
Total Liabilities	7,357	10,662	12,697	17,482	21,858	28,871	27,802	31,930
Fixed Assets	25	87	101	629	599	609	604	588
CWIP	2	3	1	3	4	5	4	0
Investments	0	661	663	1	455	1,439	893	1,075
Other Assets	7,330	9,911	11,932	16,849	20,801	26,818	26,302	30,267
Total Assets	7,357	10,662	12,697	17,482	21,858	28,871	27,802	31,930

CREDITACC cash flows (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity	-1,378	-2,302	-364	-1,969	-3,290	-4,734	1,125	-2,770
Cash from Investing Activity	-7	-636	-32	-189	-314	-994	708	-101
Cash from Financing Activity	1,829	2,929	1,706	1,684	3,365	5,494	-1,669	2,751
Net Cash Flow	444	-9	1,310	-473	-239	-234	164	-120
Free Cash Flow	-1,396	-2,323	-376	-1,992	-3,307	-4,754	1,092	-2,788

CREDITACC shareholding pattern (%)
Category	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%
FIIs	9.76%	11.38%	12.13%	12.29%	11.68%	12.94%	13.48%	14.73%
DIIs	14.17%	12.67%	12.76%	13.33%	13.23%	12.59%	12.67%	13.77%
Public	9.57%	9.50%	8.67%	8.02%	8.81%	8.23%	7.64%	7.68%
No. of Shareholders	1,25,004	1,19,819	1,01,902	83,943	85,666	83,884	79,071	78,179

CREDITACC key ratios
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	17%	13%	5%	9%	18%	25%	8%	11%

CREDITACCUpdated 19 Oct 2026, 5:18

Creditaccess Grameen Ltd

CREDITACCUpdated 19 Oct 2026, 5:18

Market Cap

₹19,797Cr.

Current Price

₹1,233

High / Low

₹1,634/1,113

Stock P/E

16.4

ROE10.5%

ROCE9.98%

Book Value₹490

Face Value₹10.0

Dividend Yield0.00%

About

Quarterly results

Last reported quarters₹ Cr.

Quarter	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Depreciation	Profit Before Tax	Tax	Net Profit	EPS (₹)	Gross NPA	Net NPA
Jun 2023	1170	385	309	477	41	1	12	465	26	346	22.16	0.89	0.27
Sep 2023	1247	424	342	481	39	1	12	469	26	349	21.95	0.77	0.24
Dec 2023	1292	442	365	486	38	3	13	476	26	353	22.2	0.97	0.29
Mar 2024	1457	482	434	542	37	2	14	529	25	397	24.91	1.18	0.35
Jun 2024	1512	510	453	549	36	1	14	535	26	398	24.95	1.46	0.45
Sep 2024	1453	485	700	269	18	1	17	252	26	186	11.67	2.44	0.76
Dec 2024	1380	475	1020	-115	-8	2	16	-129	-23	-100	-6.24	3.99	1.28
Mar 2025	1407	478	864	65	5	1	15	51	8	47	2.96	4.76	1.73
Jun 2025	1463	482	885	96	7	1	15	81	26	60	3.77	4.7	1.78
Sep 2025	1508	480	845	184	12	1	16	169	26	126	7.87	3.65	1.26
Dec 2025	1490	459	678	353	24	1	16	338	25	252	15.75	4.04	1.36
Mar 2026	1597	478	660	459	29	1	16	445	24	340	21.2	3.17	1.12
Jun 2026	1783	550	558	675	38	1	16	660	25	493	30.79	2.18	0.76

Profit & loss

Annual statement₹ Cr.

Year	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Depreciation	Profit Before Tax	Tax	Net Profit	EPS (₹)
Mar 2015	278	129	76	74	26	3	2	75	35	49	6.68
Mar 2016	464	208	126	130	28	2	3	130	36	83	11.41
Mar 2017	708	317	264	128	18	1	4	124	35	80	9.37
Mar 2018	871	354	184	332	38	1	5	328	35	212	16.54
Mar 2019	1282	417	361	504	39	1	8	498	35	322	22.41
Mar 2020	1683	575	639	470	28	1	20	451	27	328	22.75
Mar 2021	2028	745	1069	214	11	3	23	194	27	142	9.15
Mar 2022	2669	987	1235	447	17	81	47	481	27	353	22.65
Mar 2023	3487	1216	1179	1092	31	64	50	1105	25	826	52.87
Mar 2024	5167	1738	1444	1984	38	6	51	1939	25	1446	90.72
Mar 2025	5752	1955	3030	767	13	4	62	709	25	531	33.27
Mar 2026	6059	1905	3061	1093	18	4	63	1033	25	778	48.54
TTM	6380	1967	2740	1672	26	4	64	1612	—	1211	75.61

Shareholding pattern

As of Sep 2026%

Holder	Share
Promoters	63.83%
FIIs	14.73%
DIIs	13.77%
Public	7.68%

Shareholding trend

Ownership over time%

Quarter	Promoters	FIIs	DIIs	Public
Dec 2023	66.66%	12%	15.79%	5.57%
Mar 2024	66.58%	11.65%	15.76%	6.01%
Jun 2024	66.56%	10.88%	16.25%	6.31%
Sep 2024	66.54%	10.76%	14.86%	7.83%
Dec 2024	66.5%	9.76%	14.17%	9.57%
Mar 2025	66.43%	11.38%	12.67%	9.5%
Jun 2025	66.43%	12.13%	12.76%	8.67%
Sep 2025	66.37%	12.29%	13.33%	8.02%
Dec 2025	66.28%	11.68%	13.23%	8.81%
Mar 2026	66.24%	12.94%	12.59%	8.23%
Jun 2026	66.21%	13.48%	12.67%	7.64%
Sep 2026	63.83%	14.73%	13.77%	7.68%

Balance sheet

Assets & liabilities₹ Cr.

Period	Equity Capital	Reserves	Other Liabilities	Total Liabilities	Fixed Assets	CWIP	Investments	Other Assets	Total Assets
Mar 2015	73	303	60	1727	4	2	0	1720	1727
Mar 2016	73	387	115	2808	11	0	0	2796	2808
Mar 2017	86	605	205	3564	12	3	0	3549	3564
Mar 2018	128	1309	53	5114	16	1	0	5096	5114
Mar 2019	144	2222	126	7357	25	2	0	7330	7357
Mar 2020	144	2525	170	10662	87	3	661	9911	10662
Mar 2021	156	3479	281	12697	101	1	663	11932	12697
Mar 2022	156	4011	394	17482	629	3	1	16849	17482
Mar 2023	159	4948	439	21858	599	4	455	20801	21858
Mar 2024	159	6411	460	28871	609	5	1439	26818	28871
Mar 2025	160	6796	401	27802	604	4	893	26302	27802
Mar 2026	160	7682	446	31930	588	0	1075	30267	31930

Cash flows

Operating, investing & financing₹ Cr.

Period	Operating	Investing	Financing	Net cash flow
Mar 2015	—	—	—	—
Mar 2016	-931	-4	934	-1
Mar 2017	-425	-5	579	149
Mar 2018	-1726	54	1470	-202
Mar 2019	-1378	-7	1829	444
Mar 2020	-2302	-636	2929	-9
Mar 2021	-364	-32	1706	1310
Mar 2022	-1969	-189	1684	-473
Mar 2023	-3290	-314	3365	-239
Mar 2024	-4734	-994	5494	-234
Mar 2025	1125	708	-1669	164
Mar 2026	-2770	-101	2751	-120

Key ratios

Historical financial ratios

Category	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	17%	20%	14%	20%	17%	13%	5%	9%	18%	25%	8%	11%

Frequently asked questions

Quick answers about this company's financials on Fincrux

What is the market cap of CREDITACCESS GRAMEEN LTD (CREDITACC)?

The reported market capitalisation for CREDITACCESS GRAMEEN LTD (CREDITACC) is ₹19,797Cr. on Fincrux. Figures may update with market data and filings.

What is the current share price of CREDITACC?

The current price shown for CREDITACCESS GRAMEEN LTD (CREDITACC) on Fincrux is ₹1,233 with a 52-week high/low of ₹1,634/1,113.

What is the P/E ratio of CREDITACCESS GRAMEEN LTD (CREDITACC)?

The stock P/E for CREDITACCESS GRAMEEN LTD (CREDITACC) is 16.4 on Fincrux, with ROE at 10.5% and ROCE at 9.98%.

What were CREDITACC latest quarterly results?

For Jun 2026, CREDITACCESS GRAMEEN LTD (CREDITACC) reported sales ₹1,783 Cr and net profit ₹493 Cr (figures in ₹ crore unless noted).

What are CREDITACC annual sales and net profit?

For TTM, CREDITACCESS GRAMEEN LTD (CREDITACC) shows sales of ₹6,380 Cr and net profit of ₹1,211 Cr on the Fincrux profit & loss statement.

Who owns CREDITACCESS GRAMEEN LTD (CREDITACC)?

Latest shareholding for CREDITACCESS GRAMEEN LTD (CREDITACC) on Fincrux: Promoters 63.83% (Sep 2026), FIIs 14.73% (Sep 2026), DIIs 13.77% (Sep 2026), Public 7.68% (Sep 2026), No. of Shareholders 78,179% (Sep 2026).

Where can I find CREDITACCESS GRAMEEN LTD (CREDITACC) financials?

CREDITACCESS GRAMEEN LTD (CREDITACC) financials on Fincrux include quarterly results, profit and loss, cash flow, balance sheet, key ratios, and shareholding patterns for NSE/BSE research.

Does Fincrux show CREDITACC balance sheet and cash flow?

Yes. The CREDITACCESS GRAMEEN LTD (CREDITACC) page on Fincrux includes balance sheet, cash flow statements, historical ratios, and ownership trends alongside quarterly and annual results.

Figures in ₹ crore unless noted. Data sourced for research and may lag filings.

Last updated 19 October 2026 at 5:18