CreditAccess Grameen Limited share price
NSE: CREDITACC · ISIN INE741K01010
Key numbers
- Market cap
- ₹ 20,815 Cr
- Current price
- ₹ 1,298.80
- 52-week high / low
- ₹ 1,634 / 1,113
- Stock P/E
- 17.2
- Book value
- ₹ 489.5
- Dividend yield
- 0.00%
- ROCE
- 4.0%
- ROE
- 16.4%
- Debt to equity
- 3.01
- Sales growth (3 yrs)
- 20.9%
- Profit growth (3 yrs)
- -2.0%
- 1-year return
- -6.6%
About CreditAccess Grameen Limited
CreditAccess Grameen Limited, a non-banking financial company, provides micro finance services for women from poor and low-income households in India. The company offers microcredit loans for income generation, home improvement, emergency, family welfare, and Grameen Unnati, as well as Grameen Suraksha, Grameen Sanchay, life insurance, and national pension schemes. It also provides retail finance loans, such as Grameen Vikas, Unnati loan, Grameen two-wheeler, Grameen Vishesh loan, and Grameen housing loan. In addition, the company offers digital lending products comprising Grameen Mahi, a customer app, Pragathi digital and multi-purpose digital loans. The company was formerly known as Grameen Koota Financial Services Private Limited and changed its name to CreditAccess Grameen Limited in January 2018. CreditAccess Grameen Limited was incorporated in 1991 and is headquartered in Bengaluru, India. CreditAccess Grameen Limited is a subsidiary of CreditAccess India BV.
Quarterly results
Consolidated figures in ₹ crores
| Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Sales | 1,387 | 1,414 | 1,469 | 1,573 | 1,749 |
| Operating profit | 628 | 619 | 674 | 771 | 853 |
| Net profit | 47 | 60 | 252 | 340 | 493 |
| EPS (₹) | 2.96 | 3.77 | 15.76 | 21.20 | 30.79 |
Concall summary (2026-07-29)
AI summary of the earnings call transcript · tone: Positive · source document
Guidance & outlook
- We added 2.5 Lakh new borrowers during the quarter, of which 35% were new-to-credit, and we expect this run rate to improve further, adding close to an average of 1 Lakh borrowers per month going forward.
- And importantly, employee attrition continued to moderate meaningfully, standing at 20.6% as of Q1 FY27 against 25.8% in Q1 FY26.
Growth & demand
- Our AUM grew 16.4% YoY and 2.5% QoQ to INR 30,319 Crore, despite 6.3% TTM write -off and typical seasonal softness that Q1 brings.
- On the operational front, we opened 42 new branches during the quarter, taking our total network to 2,276 branches, a growth of 7.7% YoY, spread across 457 districts.
Margins & costs
- Our net interest margin was robust at 14.4% at the end of Q1 FY27, driven by a combination of improving yields, lower interest reversals and stable cost of borrowings.
- The pricing is slightly higher, but overall, this transition may still have maybe 10-15 bps of borrowing cost impact.
Balance sheet & cash
- Our overall CreditAccess Grameen Limited July 24, 2026 funding profile remains healthy and foreign borrowings at 24% of our liability mix and capital position remaining strong, where CRAR stood at 24.9%.
- So that is something we had already briefed at start of the year that maybe we are starting the borrowing cost at 9.2%.
Risks & challenges
- Our liquidity buffer, along with undrawn funding lines of INR 2,993 Crore and INR 9,440 Crore of funding pipeline positions us well to navigate any external volatility should it arise.
- But we can safely conclude that you're not seeing anything on the ground today with regards to either weakness in monsoon.
Peers in Credit Services
- Bajaj Finance Limited
- Shriram Finance Limited
- Tata Capital Limited
- Cholamandalam Investment and Finance Company Limited
- Muthoot Finance Limited
- Power Finance Corporation Limited
- Indian Railway Finance Corporation Limited
- L&T Finance Limited
- SBI Cards and Payment Services Limited
- HDB Financial Services Limited
Data for information only, not investment advice. Prices end of day.