| Quarterly Financials | Mar 2019 | Jun 2019 | Sept 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sept 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 |
Revenue  | 336 | 377 | 393 | 452 | 476 | 620 | 577 | 543 | 726 | 617 | 619 | 690 | 825 | 761 | 814 | 910 | 1,066 | 1,171 | 1,248 | 1,295 | 1,459 | 1,513 | 1,454 | 1,382 | 1,408 |
| Expenses | 114 | 102 | 124 | 157 | 262 | 277 | 223 | 414 | 399 | 328 | 299 | 283 | 327 | 280 | 299 | 293 | 311 | 306 | 345 | 365 | 434 | 453 | 700 | 1,021 | 864 |
| EBITDA | 222 | 275 | 269 | 296 | 215 | 343 | 354 | 129 | 328 | 289 | 319 | 406 | 497 | 481 | 515 | 617 | 756 | 864 | 903 | 930 | 1,025 | 1,059 | 754 | 362 | 544 |
| Operating Profit % | 66 % | 73 % | 68 % | 65 % | 45 % | 55 % | 61 % | 24 % | 45 % | 47 % | 52 % | 59 % | 60 % | 63 % | 63 % | 68 % | 71 % | 74 % | 72 % | 72 % | 70 % | 70 % | 52 % | 26 % | 39 % |
| Depreciation | 2 | 3 | 6 | 5 | 6 | 11 | 11 | 11 | 12 | 11 | 12 | 12 | 13 | 12 | 13 | 13 | 13 | 12 | 12 | 13 | 14 | 14 | 17 | 16 | 15 |
| Interest | 103 | 124 | 136 | 146 | 174 | 231 | 236 | 224 | 237 | 249 | 229 | 239 | 267 | 280 | 273 | 314 | 346 | 385 | 424 | 442 | 482 | 510 | 485 | 475 | 478 |
| Profit Before Tax | 118 | 148 | 127 | 146 | 41 | 101 | 107 | -105 | 79 | 29 | 79 | 156 | 218 | 189 | 229 | 290 | 398 | 467 | 467 | 476 | 530 | 535 | 252 | -129 | 51 |
| Tax | 41 | 52 | 26 | 38 | 10 | 26 | 27 | -26 | 22 | 8 | 19 | 39 | 58 | 50 | 54 | 73 | 101 | 119 | 120 | 122 | 132 | 137 | 66 | -29 | 4 |
| Net Profit | 76 | 96 | 101 | 108 | 31 | 75 | 80 | -79 | 56 | 20 | 60 | 117 | 160 | 139 | 175 | 217 | 297 | 349 | 347 | 353 | 397 | 398 | 186 | -100 | 47 |
| EPS in ₹ | 5.77 | 6.67 | 7.02 | 7.51 | 2.00 | 5.00 | 5.50 | -5.12 | 3.62 | 1.45 | 4.08 | 7.69 | 10.08 | 8.74 | 11.04 | 13.59 | 18.67 | 21.93 | 21.82 | 22.20 | 24.93 | 24.95 | 11.67 | -6.24 | 2.96 |
Credit Access Grameen
1,184.10
+13.80
(1.18%)
Market Cap
18,899.13 Cr
EPS
90.88
PE Ratio
35.16
Dividend Yield
0.00 %
Industry
Financial Services52 Week High
1,551.95
52 Week Low
750.20
PB Ratio
2.69
Debt to Equity
3.27
Sector
Microfinance
Investment Returns
In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%
Analyst Rating
- By Refinitiv from16 analysts
Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
1,184.10 | #1 18,899.13 | #5 35.16 | #1 5,172.60 | #3 45.67 | #1 1,446 | #2 -88.11 | 56.21 | |
127.74 | 2,177.87 | 8.35 | 2,285.50 | 58.02 | 450 | -434.81 | 38.40 | |
272.70 | 1,944.49 | 25.54 | 2,533.90 | #1 71.56 | 501 | -437.45 | 37.93 | |
171.02 | 1,727.71 | #1 5.13 | 2,412.40 | 34.02 | 505 | -224.04 | 46.98 | |
156.13 | 1,724.78 | 9.20 | 2,240.50 | 44.46 | 436 | #1 -82.92 | 40.10 |
Automatic Screeners on ScanX
Forecast
Actual
Growth Rate
Revenue Growth
45.67 %
Net Income Growth
75.03 %
Cash Flow Change
-43.89 %
ROE
36.03 %
ROCE
19.41 %
EBITDA Margin (Avg.)
7.92 %
Quarterly Financial Results
Balance Sheet
| Balance Sheet | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Total Assets | 7,357 | 12,590 | 15,060 | 17,482 | 21,858 | 28,846 |
| Fixed Assets | 25 | 577 | 573 | 629 | 599 | 609 |
| Current Assets | 684 | 809 | 2,662 | 1,929 | 1,676 | 1,552 |
| Capital Work in Progress | 2 | 3 | 1 | 3 | 4 | 5 |
| Investments | 0 | 46 | 1 | 1 | 455 | 1,439 |
| Other Assets | 7,330 | 11,965 | 14,486 | 16,849 | 20,801 | 26,794 |
| Total Liabilities | 7,357 | 12,590 | 15,060 | 17,482 | 21,858 | 28,846 |
| Current Liabilities | 284 | 207 | 323 | 394 | 439 | 435 |
| Non Current Liabilities | 4,708 | 9,540 | 10,941 | 12,921 | 16,312 | 21,841 |
| Total Equity | 2,365 | 2,843 | 3,796 | 4,167 | 5,107 | 6,570 |
| Reserve & Surplus | 2,222 | 2,590 | 3,536 | 4,011 | 4,948 | 6,411 |
| Share Capital | 144 | 144 | 156 | 156 | 159 | 159 |
Cash Flow
| Cash Flow | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Net Cash Flow | 444 | 54 | 1,715 | -780 | -239 | -234 |
| Investing Activities | -7 | -608 | 24 | -33 | -314 | -994 |
| Operating Activities | -1,378 | -2,253 | -455 | -2,714 | -3,290 | -4,734 |
| Financing Activities | 1,829 | 2,915 | 2,146 | 1,967 | 3,365 | 5,494 |
Share Holding
| % Holding | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 |
| Promoter | 73.99 % | 73.97 % | 73.91 % | 73.89 % | 73.85 % | 73.82 % | 73.74 % | 73.71 % | 73.68 % | 66.77 % | 66.69 % | 66.66 % | 66.58 % | 66.56 % | 66.54 % | 66.50 % | 66.43 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 11.65 % | 10.88 % | 10.76 % | 9.76 % | 11.38 % |
| DIIs | 6.53 % | 7.11 % | 8.62 % | 10.01 % | 10.88 % | 10.67 % | 12.54 % | 12.55 % | 12.28 % | 11.78 % | 15.77 % | 15.58 % | 15.76 % | 16.25 % | 14.86 % | 14.18 % | 12.68 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 3.09 % | 2.97 % | 3.36 % | 3.59 % | 3.37 % | 3.57 % | 3.58 % | 3.51 % | 3.72 % | 4.56 % | 5.06 % | 4.78 % | 5.20 % | 5.41 % | 6.71 % | 8.28 % | 8.12 % |
| Others | 16.40 % | 15.95 % | 14.11 % | 12.51 % | 11.90 % | 11.94 % | 10.14 % | 10.24 % | 10.33 % | 16.89 % | 12.48 % | 12.97 % | 0.81 % | 0.90 % | 1.12 % | 1.29 % | 1.39 % |
| No of Share Holders | 0 | 38,456 | 38,300 | 40,033 | 39,559 | 34,568 | 34,142 | 39,645 | 41,979 | 40,622 | 51,172 | 57,989 | 69,824 | 83,603 | 1,03,928 | 1,25,004 | 1,19,819 |
Dividend History
Dividends per share (FY)
Dividend yield (FY) %
Dividends per share (FY)
Dividend yield (FY) %
| Annual Cash Flows | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 10 | 0.00 |
| Dividend Yield (%) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.05 | 0.00 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 16 May 2025 |  Quarterly Result Announcement | NA | 16 May 2025 | 1,137.00 | 1,195.50 |
| 24 Jan 2025 | Quarterly Result Announcement | NA | 24 Jan 2025 | 999.55 | 971.30 |
| 25 Oct 2024 | Quarterly Result Announcement | NA | 25 Oct 2024 | 1,054.90 | 983.75 |
| 12 Aug 2024 |  Annual General Meeting | NA | 12 Aug 2024 | 1,329.50 | 1,252.20 |
| 26 Jul 2024 |  Dividend | ₹ 10.00 /share | 26 Jul 2024 | 1,434.75 | 1,272.70 |
Announcements
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
1 day ago
1 day agoClarification On Volume Movement8 days ago
8 days agoCompliances-Reg.24(A)-Annual Secretarial Compliance8 days ago
8 days agoAnnouncement under Regulation 30 (LODR)-Allotment of ESOP / ESPSMay 23, 2025
May 23, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptMay 21, 2025
May 21, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 20, 2025
May 20, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 19, 2025
May 19, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationMay 17, 2025
May 17, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeMay 16, 2025
May 16, 2025Announcement under Regulation 30 (LODR)-Investor PresentationMay 16, 2025
May 16, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseMay 16, 2025
May 16, 2025Announcement under Regulation 30 (LODR)-Investor PresentationMay 16, 2025
May 16, 2025Board Meeting Outcome for Outcome Of Board MeetingMay 16, 2025
May 16, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSMay 12, 2025
May 12, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMay 09, 2025
May 09, 2025Board Meeting Intimation for Considering The Audited Financial Result For The Quarter And Financial Year Ended On March 31 2025 And Fund RaisingMay 08, 2025
May 08, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationApr 09, 2025
Apr 09, 2025Interim Business Update - March 2025Apr 08, 2025
Apr 08, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Apr 04, 2025
Apr 04, 2025Closure of Trading WindowMar 25, 2025
Mar 25, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 24, 2025
Mar 24, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 24, 2025
Mar 24, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 23, 2025
Mar 23, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 20, 2025
Mar 20, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 14, 2025
Mar 14, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSMar 10, 2025
Mar 10, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 10, 2025
Mar 10, 2025Interim Business Update - February 2025Mar 06, 2025
Mar 06, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 05, 2025
Mar 05, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationMar 03, 2025
Mar 03, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationFeb 25, 2025
Feb 25, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSFeb 19, 2025
Feb 19, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationFeb 17, 2025
Feb 17, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationFeb 11, 2025
Feb 11, 2025Integrated Filing (Financial)Feb 10, 2025
Feb 10, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSFeb 05, 2025
Feb 05, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseFeb 03, 2025
Feb 03, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationFeb 02, 2025
Feb 02, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptJan 29, 2025
Jan 29, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJan 29, 2025
Jan 29, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJan 25, 2025
Jan 25, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJan 25, 2025
Jan 25, 2025Announcement under Regulation 30 (LODR)-Code of Conduct under SEBI (PIT) Regulations 2015Jan 24, 2025
Jan 24, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseJan 24, 2025
Jan 24, 2025Announcement under Regulation 30 (LODR)-Investor PresentationJan 24, 2025
Jan 24, 2025Unaudited Financial Results For The Quarter And Nine Month Ended December 31 2024Jan 24, 2025
Jan 24, 2025Board Meeting Outcome for Board Meeting Outcome For Unaudited Financial Statement For The Quarter And Nine Month Ended December 31 2024Jan 24, 2025
Jan 24, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJan 18, 2025
Jan 18, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJan 17, 2025
Jan 17, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jan 13, 2025
Jan 13, 2025Technical Indicators
RSI(14)
Neutral 56.21
ATR(14)
Less Volatile 46.31
STOCH(9,6)
Neutral 46.04
STOCH RSI(14)
Neutral 47.57
MACD(12,26)
Bearish -2.34
ADX(14)
Weak Trend 16.86
UO(9)
Bearish 45.94
ROC(12)
Uptrend And Accelerating 4.44
WillR(14)
Neutral -49.09
Mutual Fund Holdings
| Funding House | No of Shares | Current Holding % | 1M Change % | 3M Change % | Month | |
|---|---|---|---|---|---|---|
 JM Large Cap Fund Direct Plan-Growth | 89878 | 1.93% | 1.93% | 1.93% | Apr 2025 | |
| JM Small Cap Fund Direct - Growth | 162500 | 2.80% | 1.20% | 1.53% | Apr 2025 | |
 WhiteOak Capital Banking & Financial Services Fund Direct - Growth | 42000 | 1.16% | 1.16% | 1.16% | Apr 2025 | |
 Bajaj Finserv ELSS Tax Saver Fund Direct-Growth | 4556 | 1.00% | 0.81% | 1.00% | Apr 2025 | |
 Bandhan Financial Services Fund Direct-Growth | 59553 | 0.64% | 0.64% | 0.64% | Apr 2025 | |
 Navi Nifty Smallcap250 Momentum Quality 100 Index Fund Direct - Growth | 0 | 0.00% | -0.50% | 0.00% | Apr 2025 | |
| JM Flexicap Fund Direct Plan-Growth | 557464 | 1.08% | 0.40% | 0.06% | Apr 2025 | |
| Navi Aggressive Hybrid Fund Direct - Growth | 31300 | 2.97% | 0.39% | 0.37% | Apr 2025 | |
 UTI MNC Fund Direct-Growth | 0 | 0.00% | -0.28% | -0.51% | Apr 2025 | |
 LIC MF Focused Fund Direct - Growth | 33930 | 2.80% | 0.26% | 0.23% | Apr 2025 | |
| JM ELSS Tax Saver Fund Direct Plan-Growth | 43600 | 2.51% | 0.25% | 0.12% | Apr 2025 | |
| LIC MF Banking & Financial Services Fund Direct-Growth | 67618 | 2.79% | 0.25% | 0.13% | Apr 2025 | |
 Bank of India Flexi Cap Fund Direct-Growth | 388242 | 2.13% | 0.25% | 0.13% | Apr 2025 | |
| Bajaj Finserv Multi Cap Fund Direct-Growth | 53929 | 0.97% | 0.24% | 0.97% | Apr 2025 | |
| UTI Small Cap Fund Direct - Growth | 359300 | 0.92% | 0.23% | 0.34% | Apr 2025 | |
 Taurus Mid Cap Fund Direct - Growth | 31358 | 2.84% | 0.23% | 0.12% | Apr 2025 | |
| LIC MF Flexi Cap Fund Direct-Growth | 163573 | 1.92% | 0.23% | 0.20% | Apr 2025 | |
| Taurus Banking & Financial Services Fund Direct-Growth | 3356 | 3.11% | 0.23% | 0.09% | Apr 2025 | |
| Bank of India Small Cap Fund Direct-Growth | 352570 | 2.34% | 0.21% | 0.01% | Apr 2025 | |
| Navi Large & Midcap Fund Direct-Growth | 58000 | 2.08% | 0.21% | 0.15% | Apr 2025 | |
| Navi Flexi Cap Fund Direct - Growth | 39000 | 1.74% | 0.20% | 0.16% | Apr 2025 | |
| Bank of India Bluechip Fund Direct-Growth | 33000 | 1.90% | 0.19% | 0.56% | Apr 2025 | |
 DSP Nifty Smallcap250 Quality 50 Index Fund Direct - Growth | 33181 | 1.63% | 0.19% | -0.07% | Apr 2025 | |
 Sundaram Long Term Tax Advantage Fund Series IV Direct - Growth | 3328 | 1.78% | 0.17% | 0.17% | Apr 2025 | |
| JM Value Fund Direct Plan-Growth | 200630 | 2.11% | 0.17% | 0.14% | Apr 2025 |
About Credit Access Grameen
CreditAccess Grameen Limited is a Bengaluru-based microfinance institution offering financial products and services primarily to women in rural India. The company provides microloans through Joint Liability Groups, along with other financial products such as unsecured business loans, mortgage-backed business loans, two-wheeler loans, gold loans, and affordable housing loans. As of March 31, 2023, it operated 1,786 branches across 352 districts in nine states and one union territory. The company's product range includes emergency loans, family welfare loans, home improvement loans, income generation loans, and various retail finance options. CreditAccess Grameen also offers digital lending services and distributor products like life insurance and national pension schemes. Originally incorporated in 1991, the company has undergone several name changes and acquisitions, including the merger with Madura Micro Finance Limited in 2023. It is promoted by CreditAccess Asia N.V. and became publicly listed in 2018.
Listing Date
23 Aug, 2018(6 Years,
13 days)
Chairperson NameGeorge Joseph
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