| 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 | Jun 2025 | Sept 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 | 1,464 | 1,509 |
| 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 | 885 | 845 |
| 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 | 579 | 665 |
| 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 % | 39 % | 44 % |
| 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 | 15 | 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 | 478 | 482 | 480 |
| 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 | 81 | 169 |
| 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 | 21 | 43 |
| 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 | 60 | 126 |
| 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 | 3.77 | 7.87 |
Credit Access Grameen
Credit Access Grameen
1,376.90
+10.20
(0.75%)
Key Fundamentals
Market Cap
22,009.61 Cr
EPS
33.32
PE Ratio
163.91
Dividend Yield
0.00 %
Industry
Financial Services 52 Week High
1,490.10
52 Week Low
750.20
PB Ratio
3.15
Debt to Equity
3.13
Sector
Microfinance Analyst Rating and Forecast
- By Refinitiv from16 analysts
Actual
Company News
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Credit Access Grameen Limited allotted 41,537 equity shares of Rs. 10 each to 17 employees who exercised their options under the CAGL Employees Stock Option Plan-2011. The allotment was approved by the Executive, Borrowings and Investment Committee of the Board of Directors. The allotted ESOP shares will rank pari-passu with existing equity shares of the company in all respects.
Credit Access Grameen Reports Q2 FY26 Results with Rising Credit Costs and Growth Guidance
Nov 02, 2025
Nov 02, 2025Credit Access Grameen reported quarterly results with disbursements of Rs. 5,322 crore, up 32.9% year-on-year. The company added 2.2 lakh new borrowers in the quarter, with 39% being new-to-credit customers. Net interest income grew 4.2% quarter-on-quarter to Rs. 976 crore with portfolio yield at 20.7%. The company delivered PAT of Rs. 126 crore, resulting in ROA of 1.8% and ROE of 7.1%. Credit costs increased due to accelerated write-offs of Rs. 554.7 crore related to non-paying accounts. Management revised credit cost guidance upward by 70-100 basis points for FY26 and expects credit costs of 4-4.5% in FY27 due to ECL provisioning rate increases. The company raised pricing for group loans by 75 basis points and expects to meet AUM growth guidance of 12-14% for FY26. Retail finance portfolio share increased to 11.1% from 6.8% in the previous quarter. The company opened 96 new branches in the quarter, taking total branch count to 2,209.
CreditAccess Grameen Plans Recovery Strategy with 30%+ Disbursement Growth and Portfolio ExpansionOct 28, 2025
Oct 28, 2025CreditAccess Grameen has outlined strategic targets including strong recovery in H2 FY26 with stabilizing asset quality and over 30% disbursement growth. The company plans to expand its retail finance segment to 15% of portfolio share while strengthening rural credit penetration. These initiatives aim to sustain 18-20% AUM CAGR through FY28.
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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 |
|---|---|---|---|---|---|---|---|---|
1,376.90 | #1 22,009.61 | #5 163.91 | #1 5,756.10 | #3 11.28 | #1 531 | #4 -32.40 | 48.46 | |
173.35 | 2,955.48 | #1 -8.06 | 2,564.40 | 13.71 | -223 | -50.49 | 56.35 | |
276.75 | 1,973.37 | -1.33 | 2,424.10 | -3.45 | -1,035 | -15.21 | 67.73 | |
171.19 | 1,729.43 | -1.73 | 2,368.90 | -1.80 | -1,225 | #1 92.75 | 40.21 | |
152.27 | 1,682.14 | 12.47 | 2,601.90 | #1 16.13 | 186 | 19.02 | 52.60 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
11.28 %
Net Income Growth
-63.25 %
Cash Flow Change
123.77 %
ROE
-65.29 %
ROCE
-25.00 %
EBITDA Margin (Avg.)
-34.38 %
Quarterly Financial Results
Balance Sheet
| Balance Sheet | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 7,357 | 12,590 | 15,060 | 17,482 | 21,858 | 28,871 | 27,802 |
| Fixed Assets | 25 | 577 | 573 | 629 | 599 | 609 | 604 |
| Current Assets | 684 | 809 | 2,662 | 1,929 | 1,676 | 1,576 | 1,673 |
| Capital Work in Progress | 2 | 3 | 1 | 3 | 4 | 5 | 4 |
| Investments | 0 | 46 | 1 | 1 | 455 | 1,439 | 893 |
| Other Assets | 7,330 | 11,965 | 14,486 | 16,849 | 20,801 | 26,818 | 26,302 |
| Total Liabilities | 7,357 | 12,590 | 15,060 | 17,482 | 21,858 | 28,871 | 27,802 |
| Current Liabilities | 284 | 207 | 323 | 394 | 439 | 460 | 401 |
| Non Current Liabilities | 4,708 | 9,540 | 10,941 | 12,921 | 16,312 | 21,841 | 20,446 |
| Total Equity | 2,365 | 2,843 | 3,796 | 4,167 | 5,107 | 6,570 | 6,956 |
| Reserve & Surplus | 2,222 | 2,590 | 3,536 | 4,011 | 4,948 | 6,411 | 6,796 |
| Share Capital | 144 | 144 | 156 | 156 | 159 | 159 | 160 |
Cash Flow
| Cash Flow | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | 444 | 54 | 1,715 | -780 | -239 | -234 | 164 |
| Investing Activities | -7 | -608 | 24 | -33 | -314 | -994 | 708 |
| Operating Activities | -1,378 | -2,253 | -455 | -2,714 | -3,290 | -4,734 | 1,125 |
| Financing Activities | 1,829 | 2,915 | 2,146 | 1,967 | 3,365 | 5,494 | -1,669 |
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 | Jun 2025 | Sept 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 % | 66.43 % | 66.37 % |
| 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 % | 12.13 % | 12.29 % |
| 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 % | 12.76 % | 13.33 % |
| 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 % | 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 % | 7.14 % | 6.57 % |
| 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 % | 1.54 % | 1.45 % |
| 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 | 1,01,902 | 83,943 |
Dividend History
| 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 |
|---|---|---|---|---|---|
| 26 Jul 2024 |  Dividend | ₹ 10.00 /share | 26 Jul 2024 | 1,434.75 | 1,272.70 |
| 12 Aug 2024 |  Annual General Meeting | NA | 12 Aug 2024 | 1,329.50 | 1,252.20 |
| 25 Oct 2024 |  Quarterly Result Announcement | NA | 25 Oct 2024 | 1,054.90 | 983.75 |
| 24 Jan 2025 | Quarterly Result Announcement | NA | 24 Jan 2025 | 999.55 | 971.30 |
| 16 May 2025 | Quarterly Result Announcement | NA | 16 May 2025 | 1,137.00 | 1,195.50 |
| 22 Jul 2025 | Quarterly Result Announcement | NA | 22 Jul 2025 | 1,288.00 | 1,293.50 |
| 30 Jul 2025 | Annual General Meeting | NA | 30 Jul 2025 | 1,268.20 | 1,237.40 |
| 28 Oct 2025 | Quarterly Result Announcement | NA | 28 Oct 2025 | 1,381.70 | 1,471.80 |
Announcements
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation4 days ago
4 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation9 days ago
9 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation10 days ago
10 days agoAnnouncement under Regulation 30 (LODR)-Allotment of ESOP / ESPSNov 04, 2025
Nov 04, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptNov 02, 2025
Nov 02, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationOct 29, 2025
Oct 29, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeOct 28, 2025
Oct 28, 2025Results- Financial Results For 30-09-2025Oct 28, 2025
Oct 28, 2025Announcement under Regulation 30 (LODR)-Code of Conduct under SEBI (PIT) Regulations 2015Oct 28, 2025
Oct 28, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseOct 28, 2025
Oct 28, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseOct 28, 2025
Oct 28, 2025Announcement under Regulation 30 (LODR)-Investor PresentationOct 28, 2025
Oct 28, 2025Board Meeting Outcome for Outcome Of The Board MeetingOct 28, 2025
Oct 28, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSOct 23, 2025
Oct 23, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 22, 2025
Oct 22, 2025Board Meeting Intimation for Considering And Approving The Unaudited Financial Results For The Quarter And Half Year Ended September 2025Oct 10, 2025
Oct 10, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 08, 2025
Oct 08, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSOct 08, 2025
Oct 08, 2025Interim Business Update - September 2025Oct 07, 2025
Oct 07, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 07, 2025
Oct 07, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 06, 2025
Oct 06, 2025Intimation Of DA TransactionOct 01, 2025
Oct 01, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 30, 2025
Sep 30, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 25, 2025
Sep 25, 2025Closure of Trading WindowSep 25, 2025
Sep 25, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 24, 2025
Sep 24, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 22, 2025
Sep 22, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 18, 2025
Sep 18, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 15, 2025
Sep 15, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 12, 2025
Sep 12, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 10, 2025
Sep 10, 2025Announcement under Regulation 30 (LODR)-CessationSep 09, 2025
Sep 09, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSSep 08, 2025
Sep 08, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 02, 2025
Sep 02, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAug 22, 2025
Aug 22, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 11, 2025
Aug 11, 2025Intimation Under Regulation 30(5) Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 Aug 09, 2025
Aug 09, 2025Announcement under Regulation 30 (LODR)-Change in ManagementAug 09, 2025
Aug 09, 2025Appointment of Company Secretary and Compliance OfficerAug 09, 2025
Aug 09, 2025Announcement under Regulation 30 (LODR)-Resignation of Company Secretary / Compliance OfficerAug 09, 2025
Aug 09, 2025Board Meeting Outcome for Meeting UpdatesAug 09, 2025
Aug 09, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 07, 2025
Aug 07, 2025Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAug 07, 2025
Aug 07, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseAug 06, 2025
Aug 06, 2025Announcement under Regulation 30 (LODR)-Change in ManagementAug 06, 2025
Aug 06, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 04, 2025
Aug 04, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportJul 31, 2025
Jul 31, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 31, 2025
Jul 31, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMJul 30, 2025
Jul 30, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptJul 28, 2025
Jul 28, 2025Mutual Fund Holdings
HSBC Small Cap Fund Direct-Growth 
Canara Robeco Large and Mid Cap Fund Direct-Growth 
Samco Flexi Cap Fund Direct - Growth 
Aditya Birla Sun Life Flexi Cap Fund Direct-Growth 
TRUSTMF Small Cap Fund Direct-Growth 
Bank of India Small Cap Fund Direct-Growth 
WhiteOak Capital Special Opportunities Fund Direct - Growth 
Bandhan Flexi Cap Fund Direct-Growth 
ICICI Prudential Retirement Fund - Pure Equity Plan Direct - Growth 
Bajaj Finserv Small Cap Fund Direct-Growth 
Axis Business Cycles Fund Direct-Growth 
Edelweiss Flexi Cap Fund Direct-Growth 
JM Value Fund Direct Plan-Growth 
Mahindra Manulife Small Cap Fund Direct - Growth Technical Indicators
RSI(14)
Neutral 48.46
ATR(14)
Less Volatile 55.17
STOCH(9,6)
Neutral 41.15
STOCH RSI(14)
Oversold 16.75
MACD(12,26)
Bearish -5.73
ADX(14)
Weak Trend 15.16
UO(9)
Bearish 45.30
ROC(12)
Downtrend And Accelerating -7.47
WillR(14)
Neutral -61.98
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(7 Years,
-6 days)
Chairperson NameManoj Kumar
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