TipHub

₹1,590.4

▲ +13.87 +0.88%

29 Jul 2026

NSE Listed · Finance

Creditaccess Grameen Ltd. (CREDITACC)

Volume: 1,70,179Avg Vol 1W: 9,54,856Avg Vol 1M: 4,73,90452W Range:₹1,113₹1,614
NSE BSE www.creditaccessgrameen.in AI Report
Key Ratios
Checked just now
Market Cap₹25,486 Cr
Current Price₹1,590.4
Previous Close₹1,576.53
High / Low (52w)₹1,614 / ₹1,113
Volume1,70,179
Avg Vol (1W)9,54,856
Avg Vol (1M)4,73,904
Stock P/E75.02
Book Value₹489.53
Dividend Yield0%
ROE9.92%
ROA2.44%
Revenue (TTM)—
Revenue Growth—
Profit Margin12.83%
Total Debt₹35 Cr
Shares Outstanding16 Cr
Face Value₹10
EPS (TTM)₹21.2
P/B3.25
Debt / Equity3.01
50 DMA₹1,418.82
200 DMA₹1,328.72
Day change+0.88%
Price Chart
₹1,590.4▲ 28.47% · 1Y
₹1591₹10402.0Cr
2025-07-29
2026-07-29

20-day avg volume: 4.8L shares

Pros
  • Company is almost debt-free.
  • Net profit is growing year over year.
Cons
  • Stock trades at a high P/E of 75.
Quarterly Results
MetricSept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Revenue————————
EBITDA————————
Net Profit₹186 Cr₹-100 Cr₹47 Cr₹60 Cr₹126 Cr₹252 Cr₹340 Cr₹493 Cr
EPS————————
Profit & Loss (Annual)
MetricMar 2025Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Mar 2026Jun 2026
Revenue₹5,756 Cr—————₹6,063 Cr—
EBITDA₹709 Cr—————₹1,033 Cr—
Net Profit₹531 Cr₹47 Cr₹60 Cr₹126 Cr₹252 Cr₹340 Cr₹778 Cr₹493 Cr
EPS33.24—————48.44—
Balance Sheet
MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets₹7,357 Cr₹12,590 Cr₹15,060 Cr₹17,482 Cr₹21,858 Cr₹28,846 Cr₹27,802 Cr₹31,930 Cr
Total Liabilities₹4,992 Cr₹9,747 Cr₹11,264 Cr₹13,315 Cr₹16,751 Cr₹22,276 Cr₹20,846 Cr₹24,088 Cr
Equity₹2,365 Cr₹2,843 Cr₹3,796 Cr₹4,167 Cr₹5,107 Cr₹6,570 Cr₹6,956 Cr₹7,842 Cr
Total Debt————————
Cash Flow
MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating₹-1,196 Cr₹-2,064 Cr₹-339 Cr₹-2,593 Cr₹-3,050 Cr₹-4,173 Cr₹1,471 Cr₹-2,574 Cr
Investing₹-7 Cr₹-638 Cr₹24 Cr₹-33 Cr₹-314 Cr₹-994 Cr₹708 Cr₹-101 Cr
Financing₹1,829 Cr₹2,921 Cr₹2,146 Cr₹1,967 Cr₹3,365 Cr₹5,494 Cr₹-1,669 Cr₹2,751 Cr
Free Cash Flow₹-1,196 Cr₹-2,064 Cr₹-339 Cr₹-2,593 Cr₹-3,050 Cr₹-4,173 Cr₹1,471 Cr₹-2,574 Cr
Shareholding
Promoter 66.21% Institutions 26.15% Public 7.63%
Efficiency & Working Capital
ROCE10%
Interest Coverage1.5
Dividend Payout—
Debtor Days0 d
Inventory Days0 d
Payable Days2 d
Cash Conversion Cycle-2 d
Working Capital Days0 d
Shareholding Details

As of 2026-06-30

Promoter66.2%
FII13.5%
DII12.7%
Institutions26.2%
Public7.6%
Promoter Pledge0%
No. of Shareholders79,071
Shareholding Pattern

Quarterly — figures in %. Latest 12 quarters.

PeriodSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Promoters66.7%66.7%66.6%66.6%66.5%66.5%66.4%66.4%66.4%66.3%66.2%66.2%
FIIs11.5%12%11.7%10.9%10.8%9.8%11.4%12.1%12.3%11.7%12.9%13.5%
DIIs15.8%15.6%15.8%16.2%14.9%14.2%12.7%12.8%13.3%13.2%12.6%12.7%
Public6.1%5.8%6%6.3%7.8%9.6%9.5%8.7%8%8.8%8.2%7.6%
Promoter Pledge0%0%0%0%0%0%0%0%0%0%0%0%
No. of Shareholders51,17257,98969,82483,6031,03,9281,25,0041,19,8191,01,90283,94385,66683,88479,071
Returns History (ROE / ROCE / ROA)
PeriodROEROCEROAP/E
202603————
Major Shareholders (>1%)
NameCategoryStakeShares
Creditaccess India B.v.Shareholding of Promoter and Promoter Group66.2%10.61 Cr
Government Pension Fund GlobalPublic Shareholding2.1%33,21,280
Schroder International Selection Fund Global EmergPublic Shareholding1.9%30,60,407
Edelweiss Trusteeship Co Ltd Ac- Edelweiss Mf Ac-Public Shareholding1.9%29,62,622
Axis Mutual Fund Trustee Ltd. A/c Axis Mutual FundPublic Shareholding1.2%18,51,010
Hdfc Mutual Fund - Hdfc Bse 500 EtfPublic Shareholding1%16,55,826
Canara Robeco Mutual Fund A/c Canara Robeco SmallPublic Shareholding1%16,54,535
Creditaccess Life Insuance LimitedShareholding of Promoter and Promoter Group0%0
Board of Directors
NameDesignationYear
Paolo BrichettiVice Chairman (Non-executive)2026
Udaya Kumar HebbarNon Executive Director2026
SUMIT KUMARNon Executive Director / Nominee2026
Massimo VitaNon Executive Director / Nominee2026
Rekha WarriarIndependent Non Exe. Director2026
Manoj KumarChairman & Independent Directo2026
Lilian Jessie PaulIndependent Non Exe. Director2026
Ganesh NarayananManaging Director & CEO2026
Deepti RCompany Sec. & Compli. Officer2026
Segments — Product
SegmentRevenueShare
Lending₹0 Cr—
Segments — Geography
RegionRevenueShare
India₹102 Cr100%
Capital Structure (₹ Cr)
YearFace ValueAuthorisedIssuedPaid-up
2026₹10170160160
Corporate Actions
TypeDateValueRemark
forthcoming2026-07-24Board Meetings—
Related-Party Transactions (₹ Cr)
YearSubsidiariesAssociatesJVKMPOthersTotal
20267700270104
202600010010
2026250018043
Insider / Designated-Person Trades

13 recent disclosure(s)

HARIDARSHINI ADisposal · 1,770
PIYUSH SARAOGIDisposal · 3,000
HARIDARSHINI ADisposal · 2,036
UDAYA KUMAR HEBBARDisposal · 35,660
SRIVATSA H NDisposal · 15,765
LOKESH M KDisposal · 5,000
Substantial Acquisitions (SAST)

2 disclosure(s)

Market30/06/2023 · 90,00,000
Market07/02/2022 · 3,05,717
Company Information
Incorporated1991
ChairmanManoj Kumar
AuditorVarma & Varma/Walker Chandiok & Co LLP
Investor Email[email protected]
🌐 www.creditaccessgrameen.in ↗

📍 New No 49 (O No 725) 46th Cros, 8th Block Jayanagar, Bangalore, Karnataka, 560071

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