Credit Access Grameen

925.40
-4.35
(-0.47%)
Market Cap
14,766.36 Cr
EPS
90.88
PE Ratio
16.85
Dividend Yield
1.07 %
52 Week High
1,551.95
52 Week low
750.20
PB Ratio
2.12
Debt to Equity
3.27
Add Ratio

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
BUY
Analysts have suggested that investors can buy this stock
Buy68.75 %
68.75 %
Hold18.75 %
18.75 %
Sell12.50 %
12.50 %

Company News

View All News
Caret
neutral
CreditAccess Grameen: Microfinance Defaults Rise in Karnataka Amid Regulatory Changes5 days ago
CreditAccess Grameen reports increased loan defaults in Karnataka following a new microfinance ordinance. Overall portfolio at risk rose to 7.5% by February-end, with Karnataka's risk at 7.9%. Despite this, assets under management grew, indicating business normalization. The company expects the situation to stabilize in 1-2 months.
positive
CreditAccess Grameen: Loan Growth Rises, Karnataka Portfolio Stabilizing6 days ago
CreditAccess Grameen reported 2.4% gross loan portfolio growth as of February 2025. Karnataka portfolio grew 1%. Over 1.5 lakh new borrowers added in Jan-Feb 2025. Portfolio at risk excluding Karnataka at 7.3%, total at 7.5%. Karnataka situation expected to normalize in 1-2 months. Stock rose 10% to Rs 1,012.2 on NSE.
positive
CreditAccess Grameen: Strong February Growth Despite Karnataka Challenges6 days ago
CreditAccess Grameen reported robust loan growth in February 2025, with GLP reaching ₹25,395 crore and 1.5 lakh new borrowers added. While facing headwinds in Karnataka, the company showed resilience with stabilizing asset quality and improved collections in other states. Overall collection efficiency remained strong at over 99.5% excluding Karnataka. However, Goldman Sachs raised concerns about the Karnataka market due to regulatory changes affecting the microfinance sector.
Competitors LTP Market Cap (₹ Cr.) P/E Ratio Revenue (₹ Cr.) YoY Revenue Growth % Net Profit (₹ Cr.) YoY Profit Growth % RSI
925.40 14,766.36 16.85 5,172.60 45.67 1,446 -128.16 47.10
121.43 2,070.29 7.13 2,285.50 58.02 450 -96.95 18.81
250.90 1,789.05 25.54 2,533.90 71.56 501 -445.53 34.60
143.23 1,582.28 5.46 2,240.50 44.46 436 -87.36 44.63
146.11 1,476.06 5.13 2,412.40 34.02 505 -669.07 36.97
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

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
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
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
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
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 %
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
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
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
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
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
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

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
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 %
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 %
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 %
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 %
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 %
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 %
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

Dividend History

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 1.08 0.00

Corporate Action

Announcements

Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
2 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
2 days ago
Interim Business Update - February 2025
6 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
7 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
9 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Feb 25, 2025, 09:56
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Feb 25, 2025, 09:56
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
Feb 19, 2025, 14:56
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Feb 17, 2025, 10:29
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Feb 11, 2025, 15:55
Integrated Filing (Financial)
Feb 10, 2025, 17:37
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
Feb 05, 2025, 18:03
Announcement under Regulation 30 (LODR)-Press Release / Media Release
Feb 03, 2025, 14:39
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Feb 02, 2025, 22:28
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
Jan 29, 2025, 10:34
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Jan 29, 2025, 10:20
Announcement under Regulation 30 (LODR)-Newspaper Publication
Jan 25, 2025, 23:39
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Jan 25, 2025, 12:45
Announcement under Regulation 30 (LODR)-Code of Conduct under SEBI (PIT) Regulations 2015
Jan 24, 2025, 18:38
Announcement under Regulation 30 (LODR)-Press Release / Media Release
Jan 24, 2025, 17:47
Announcement under Regulation 30 (LODR)-Investor Presentation
Jan 24, 2025, 17:45
Unaudited Financial Results For The Quarter And Nine Month Ended December 31 2024
Jan 24, 2025, 17:35
Board Meeting Outcome for Board Meeting Outcome For Unaudited Financial Statement For The Quarter And Nine Month Ended December 31 2024
Jan 24, 2025, 17:29
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Jan 18, 2025, 12:32
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Jan 17, 2025, 17:09
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018
Jan 13, 2025, 16:59
Board Meeting Intimation for Considering Unaudited Financial Result For The Quarter And Nine Months Ended On December 31 2024
Jan 10, 2025, 17:28
Clarification On Movement In Volume
Jan 09, 2025, 14:47
Clarification sought from CreditAccess Grameen Ltd
Jan 09, 2025, 11:39
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
Jan 08, 2025, 19:27
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Dec 18, 2024, 10:41
Update On Income Tax Demand Of INR46.03 Crore For AY 2022-23
Dec 16, 2024, 17:22
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Dec 13, 2024, 10:30
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Dec 09, 2024, 17:58
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
Dec 06, 2024, 11:59
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Dec 02, 2024, 11:20
Announcement under Regulation 30 (LODR)-Press Release / Media Release
Nov 29, 2024, 15:06
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Nov 29, 2024, 10:09
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
Nov 22, 2024, 15:13
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Nov 22, 2024, 11:59
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Nov 12, 2024, 16:59
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
Nov 11, 2024, 15:11
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Nov 08, 2024, 17:32
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Nov 07, 2024, 10:50
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Nov 07, 2024, 10:27
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Nov 02, 2024, 22:15
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Oct 29, 2024, 15:24
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Oct 29, 2024, 13:06
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Oct 28, 2024, 11:12
Announcement under Regulation 30 (LODR)-Newspaper Publication
Oct 26, 2024, 15:35

Technical Indicators

RSI(14)
Neutral
47.57
ATR(14)
Less Volatile
65.13
STOCH(9,6)
Neutral
48.93
STOCH RSI(14)
Neutral
65.74
MACD(12,26)
Bullish
1.22
ADX(14)
Weak Trend
15.82
UO(9)
Bearish
42.34
ROC(12)
Uptrend And Accelerating
6.25
WillR(14)
Neutral
-55.36

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, 17 days)
Chairperson NameGeorge Joseph