CreditAccess Grameen Ltd.

BSE: CREDITACC541770ISIN INE741K01010

Financial Services
Microfinance Institutions
BSE 500

Share price

₹1,074.50+16.95 (+1.60%)

as of 4 Nov 2026

Prices adjusted for splits and bonuses; cash dividends excluded. Volume shows actual shares traded.

52W high: ₹1,634.40
52W low: ₹993.75
Off 52W high: -34.26%
1M return: -14.17%
3M return: -29.71%
6M return: -26.96%
1Y return: -22.03%
20D avg volume: 56,893
50 DMA: ₹1,277.59
200 DMA: ₹1,332.09

Key ratios Consolidated

Market cap: ₹17,251 Cr
Current price: ₹1,074.50
52W high / low: ₹1,634.40 / ₹993.75
Face value: ₹10.00
P/E: 10.87
P/B: 1.93
EPS (TTM): ₹98.84
Book value / share: ₹555.63
ROE: —
ROCE: —
Operating margin: —
Net margin: —
Debt / equity: 2.90
Net debt: ₹21,577 Cr
Interest cover: 1.54
Dividend yield: —
Dividend / share (TTM): —
Payout: —
Cash conversion cycle: —

Financials

Metric	Q2 FY27	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24
Income statement
	1,904	1,783	1,597	1,490	1,508	1,463	1,407	1,380	1,453	1,512	1,457	1,292
	1.06	0.92	1.31	0.90	0.67	0.74	1.08	1.55	0.63	0.55	1.61	3.03
	1,905	1,784	1,599	1,491	1,509	1,464	1,408	1,382	1,454	1,513	1,459	1,295
	1,234	1,124	1,154	1,153	1,340	1,383	1,357	1,511	1,202	977.84	929.64	819.66
	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	0.00	0.00	0.00	0.00	0.00
	254.48	242.02	211.71	226.85	219.32	221.21	175.36	178.37	188.83	187.79	194.64	156.71
	553.04	550.05	478.05	459.34	479.52	482.16	477.78	474.87	484.60	510.31	482.15	441.50
	16.66	16.21	15.69	16.38	15.80	15.22	15.16	15.53	17.19	14.35	13.75	13.06
	109.44	103.03	111.69	107.69	99.01	91.10	105.28	89.60	91.03	90.60	85.62	81.84
	670.95	660.03	445.00	337.92	169.16	81.12	51.08	-128.93	251.99	534.74	529.46	475.57
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	670.95	660.03	445.00	337.92	169.16	81.12	51.08	-128.93	251.99	534.74	529.46	475.57
	169.38	166.64	105.45	85.83	43.35	20.93	3.87	—	—	—	—	—
	501.57	493.39	339.55	252.09	125.81	60.19	47.21	-99.52	186.06	397.66	397.08	353.34
	31.27	30.79	21.20	15.76	7.87	3.77	2.96	-6.24	11.67	24.95	24.93	22.20
Key metrics
	—	—	—	—	—	—	—	361.47	753.78	1,059	1,025	930.13
	—	—	—	—	—	—	—	26.20%	51.90%	70.10%	70.40%	72.00%
	26.30%	27.70%	21.30%	16.90%	8.30%	4.10%	3.40%	-7.20%	12.80%	26.30%	27.20%	27.30%
	26.20%	21.90%	13.60%	8.00%	3.80%	-3.20%	-3.50%	6.80%	—	—	—	—
	298.70%	719.70%	619.20%	353.30%	-32.40%	-84.90%	-88.10%	-128.20%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY23	FY22
Income statement
	6,775	6,059	5,752	5,167	3,545	2,743
	4.19	3.62	3.81	5.98	5.67	7.31
	6,779	6,063	5,756	5,173	3,551	2,750
	4,665	5,029	5,047	3,233	2,445	2,269
	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00
	935.06	879.09	730.36	669.43	515.24	437.66
	2,040	1,899	1,948	1,732	1,213	984.14
	64.94	63.08	62.22	51.15	49.84	47.23
	431.85	409.49	376.52	324.78	264.59	200.61
	2,114	1,033	708.87	1,939	1,105	480.79
	0.00	0.00	0.00	0.00	0.00	0.00
	2,114	1,033	708.87	1,939	1,105	480.79
	527.30	255.56	177.47	—	—	—
	1,587	777.64	531.40	1,446	826.06	357.10
	99.02	48.63	33.32	90.88	52.04	23.31
Key metrics
	—	—	—	3,723	2,368	1,512
	—	—	—	72.10%	66.80%	55.10%
	23.42%	12.80%	9.20%	28.00%	23.30%	13.00%
	17.66%	5.30%	11.30%	45.70%	29.30%	—
	1,086.78%	46.30%	-63.20%	75.00%	131.30%	—
	—	-2,785	1,099	—	—	—
	—	-3.56	2.12	—	—	—
	—	2.90	2.71	—	—	—
	—	21,577	17,607	—	—	—
Balance sheet
	—	31,930	27,802	—	—	—
	—	1,152	1,271	—	—	—
	—	0.00	0.00	—	—	—
	—	0.00	0.00	—	—	—
	—	43.74	43.58	—	—	—
	—	22,729	18,879	—	—	—
	—	7,842	6,956	—	—	—
Cash flow
	—	-2,770	1,125	—	—	—
	—	-100.65	708.34	—	—	—
	—	2,751	-1,669	—	—	—
	—	14.78	26.68	—	—	—

Metric	Q2 FY27	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24
Income statement
	1,904	1,783	1,597	1,490	1,508	1,463	1,407	1,380	1,453	1,512	1,457	1,292
	1.06	0.92	1.31	0.90	0.67	0.74	1.08	1.55	0.63	0.55	1.61	3.03
	1,905	1,784	1,599	1,491	1,509	1,464	1,408	1,382	1,454	1,513	1,459	1,295
	1,234	1,124	1,154	1,153	1,340	1,383	1,357	1,511	1,202	977.84	929.73	819.58
	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	0.00	0.00	0.00	0.00	0.00
	254.48	242.02	211.71	226.85	219.32	221.21	175.36	178.37	188.83	187.79	194.64	156.71
	553.04	550.05	478.05	459.34	479.52	482.16	477.78	474.87	484.60	510.31	482.15	441.50
	16.66	16.21	15.69	16.38	15.80	15.22	15.16	15.53	17.19	14.35	13.75	13.06
	109.44	103.03	111.69	107.69	99.01	91.10	105.28	89.60	91.03	90.60	85.71	81.76
	670.95	660.03	445.00	337.92	169.16	81.12	51.08	-128.93	251.99	534.74	529.37	475.65
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	670.95	660.03	445.00	337.92	169.16	81.12	51.08	-128.93	251.99	534.74	529.37	475.65
	169.38	166.64	105.45	85.83	43.35	20.93	3.87	—	—	—	—	—
	501.57	493.39	339.55	252.09	125.81	60.19	47.21	-99.52	186.06	397.66	396.99	353.42
	31.27	30.79	21.20	15.76	7.87	3.77	2.96	-6.24	11.67	24.95	24.93	22.21
Key metrics
	—	—	—	—	—	—	—	361.47	753.78	1,059	1,025	930.21
	—	—	—	—	—	—	—	26.20%	51.90%	70.10%	70.30%	72.00%
	26.30%	27.70%	21.30%	16.90%	8.30%	4.10%	3.40%	-7.20%	12.80%	26.30%	27.20%	27.40%
	26.20%	21.90%	13.60%	8.00%	3.80%	-3.20%	-3.50%	6.80%	—	—	—	—
	298.70%	719.70%	619.20%	353.30%	-32.40%	-84.90%	-88.10%	-128.20%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY23	FY22	FY19
Income statement
	6,775	6,059	5,752	5,167	3,545	2,289	1,281
	4.19	3.62	3.81	5.98	5.64	1.81	1.99
	6,779	6,063	5,756	5,173	3,551	2,291	1,283
	4,665	5,029	5,047	3,233	2,445	1,779	785.58
	0.00	0.00	0.00	0.00	0.00	0.00	—
	0.00	0.00	0.00	0.00	0.00	0.00	—
	935.06	879.09	730.36	669.43	515.24	353.50	186.05
	2,040	1,899	1,948	1,732	1,213	788.13	416.75
	64.94	63.08	62.22	51.15	49.84	26.23	7.79
	431.85	409.49	376.52	324.78	264.59	158.30	100.13
	2,114	1,033	708.87	1,939	1,105	512.64	497.74
	0.00	0.00	0.00	0.00	0.00	0.00	—
	2,114	1,033	708.87	1,939	1,105	512.64	497.74
	527.30	255.56	177.47	—	—	—	175.98
	1,587	777.64	531.40	1,446	826.03	382.14	321.76
	99.02	48.63	33.32	90.88	52.04	24.54	23.37
Key metrics
	—	—	—	3,723	2,368	1,327	922.28
	—	—	—	72.10%	66.80%	58.00%	72.00%
	23.42%	12.80%	9.20%	28.00%	23.30%	16.70%	25.10%
	17.66%	5.30%	11.30%	45.70%	54.80%	78.70%	—
	1,086.78%	46.30%	-63.20%	75.00%	116.20%	18.80%	—
	—	-2,785	1,098	—	—	—	—
	—	-3.56	2.12	—	—	—	—
	—	2.90	2.71	—	—	—	—
	—	21,578	17,607	—	—	—	—
Balance sheet
	—	31,930	27,802	—	—	—	—
	—	1,151	1,271	—	—	—	—
	—	0.00	0.00	—	—	—	—
	—	0.00	0.00	—	—	—	—
	—	43.74	43.58	—	—	—	—
	—	22,729	18,879	—	—	—	—
	—	7,842	6,956	—	—	—	—
Cash flow
	—	-2,770	1,125	—	—	—	—
	—	-100.59	708.33	—	—	—	—
	—	2,751	-1,669	—	—	—	—
	—	14.78	26.68	—	—	—	—

Compounded growth

Standalone

Sales CAGR 3Y: +19.56%
Sales CAGR 5Y: —
Profit CAGR 3Y: -1.99%
Profit CAGR 5Y: —
Sales YoY (TTM): +17.66%
Profit YoY (TTM): +1,086.78%

Consolidated

Sales CAGR 3Y: +19.56%
Sales CAGR 5Y: —
Profit CAGR 3Y: -1.99%
Profit CAGR 5Y: —
Sales YoY (TTM): +17.66%
Profit YoY (TTM): +1,086.78%

Compounded from reported annual figures. We publish no share-price CAGR: our prices are as-traded, so one would be wrong across every split and bonus issue.

Shareholding as of 30 Sep 2026

Promoter holding: 63.83%

Quarter	September 2026	June 2026
Promoter %	63.83%	66.21%

Holder	Type	Holding	Previous	Change
CREDITACCESS INDIA B.V.	Promoter	63.83%	66.21%	-2.38%
ALTIVA HYBRID LONG-SHORT FUND	Public	2.17%	—	—
GOVERNMENT PENSION FUND GLOBAL	Public	2.07%	2.07%	0.00%
SCHRODER INTERNATIONAL SELECTION FUND GLOBAL EMERG	Public	1.48%	1.91%	-0.43%
AXIS MUTUAL FUND TRUSTEE LIMITED A/C AXIS MUTUAL F	Public	1.26%	—	—
HDFC MUTUAL FUND - HDFC BSE 500 ETF	Public	1.19%	1.03%	+0.16%
ICICI PRUDENTIAL NIFTY SMALLCAP 250 ETF	Public	1.17%	—	—
HSBC MUTUAL FUND - HSBC FINANCIAL SERVICES FUND	Public	1.12%	—	—
CreditAccess Life Insuance Limited	Promoter Group	0.00%	0.00%	0.00%

Public shareholders are disclosed individually only above 1%.

Peer comparison

Company	Mkt cap (₹ Cr)	Price (₹)	P/E	ROCE	Sales YoY	Profit YoY	1Y return
CreditAccess Grameen Ltd.	17,251	1,074.50	10.87	—	+17.66% TTM	+1,086.78% TTM	-22.03%
SATIN CREDITCARE NETWORK LIMITED	2,841	257.15	5.33	—	+19.75% TTM	+296.18% TTM	+70.35%
Muthoot Microfin Limited S	2,609	153.05	10.63	—	+0.75% TTM	+174.47% TTM	-9.17%
FUSION FINANCE LIMITED S	2,480	153.15	9.00	—	-0.33% TTM	+127.76% TTM	-14.23%
Spandana Sphoorty Financial Limited	1,609	182.70	-27.17	—	-26.46% TTM	+95.98% TTM	-24.83%

Filings & corporate actions

Recent announcements

Allotment of Equity Shares under Employee Stock Option Plan of the Company4 Nov 2026 · Company Update / Allotment of ESOP / ESPS
Please find enclosed the intimation letter regarding change in RTA corporate office address.3 Nov 2026 · Company Update / General
Transcript of the Conference Call For Q2 FY27 Results26 Oct 2026 · Company Update / Earnings Call Transcript
Please find enclosed the copies of newspaper publications of the unaudited financial results of the quarter and half year ended 30-09-2026.23 Oct 2026 · Company Update / Newspaper Publication
Please find enclosed the letter containing audio link of Earnings conference call for Q2 FY 2027.22 Oct 2026 · Company Update / Analyst / Investor Meet
The Board of directors in its meting held today i.e. 22-10-2026 has approved the appointment of Sharp and Tannan as one of the Joint Statutory Auditors of the Company for 3 years. For details ....22 Oct 2026 · Company Update / Change in Management
Press Release22 Oct 2026 · Company Update / Press Release / Media Release
Investor Presentation22 Oct 2026 · Company Update / Investor Presentation
Financial Results for quarter and half year ended September 30, 202622 Oct 2026 · Result / Financial Results
Outcome of the Board Meeting held on 22-10-202622 Oct 2026 · Board Meeting / Outcome of Board Meeting
Allotment of Equity Shares under Employee Stock option Plan of the Company21 Oct 2026 · Company Update / Allotment of ESOP / ESPS
Intimation of Q2 FY27 Results Conference Call14 Oct 2026 · Company Update / Analyst / Investor Meet
Creditaccess Grameen Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 22/10/2026 ,inter alia, to consider and approve Unaudited Financial Results ....13 Oct 2026 · Board Meeting / Board Meeting
Press Release12 Oct 2026 · Company Update / Press Release / Media Release
Certificate under 74(5) of SEBI (DP) Regulations, 20188 Oct 2026 · Company Update / Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
Allotment of Equity Shares under Employee Stock Option Plan of the Company7 Oct 2026 · Company Update / Allotment of ESOP / ESPS
Interim Business Update - September 20265 Oct 2026 · Company Update / General
Allotment of Non-Convertible Debentures on Private Placement basis1 Oct 2026 · Company Update / Allotment of Equity Shares
Completion of Direct Assignment Transaction aggregating to INR 260.64 Crore30 Sep 2026 · Company Update / General
Intimation of Schedule of Investor's Meeting to be held on 30th September 2026.29 Sep 2026 · Company Update / Analyst / Investor Meet
Closure of Trading Window28 Sep 2026 · Insider Trading / SAST / Closure of Trading Window
Schedule of Investor's Meeting on September 28, 202625 Sep 2026 · Company Update / Analyst / Investor Meet
Allotment of equity shares under Employee Stock Option plan of the Company18 Sep 2026 · Company Update / Allotment of ESOP / ESPS
Intimation of the Investor Meet18 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of Investor Meet to be held on 22-09-202618 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of the Investor Meet to be held on 23-09-202617 Sep 2026 · Company Update / Analyst / Investor Meet
Allotment of Equity Shares under Employee Stock option Plan of the Company4 Sep 2026 · Company Update / Allotment of ESOP / ESPS
Press Release3 Sep 2026 · Company Update / Press Release / Media Release
Intimation of allotment of Non-Convertible Debentures on September 02, 20262 Sep 2026 · Company Update / Allotment of Equity Shares
Allotment of Equity Shares under Employee Stock Option Plan of the Company20 Aug 2026 · Company Update / Allotment of ESOP / ESPS
Intimation of Schedule of Investor's Meeting on 21st August 202619 Aug 2026 · Company Update / Analyst / Investor Meet
Analyst Meet on 14th August 202613 Aug 2026 · Company Update / Analyst / Investor Meet
Analyst Meet 12th Aug 202611 Aug 2026 · Company Update / Analyst / Investor Meet
Intimation of Investor Meet10 Aug 2026 · Company Update / Analyst / Investor Meet
Intimation for allotment of Equity Shares under Employee Stock Option Plan of the Company7 Aug 2026 · Company Update / Allotment of ESOP / ESPS
The Exchange has received the disclosure under Regulation 29(2) of SEBI (Substantial Acquisition of Shares & Takeovers) Regulations, 2011 for CreditAccess India B.V.7 Aug 2026 · Insider Trading / SAST / Disclosures under Reg. 29(2) of SEBI (SAST) Regulations, 2011
Announcement under Regulation 30 of SEBI LODR6 Aug 2026 · Company Update / General
Intimation of Investor Meet3 Aug 2026 · Company Update / Analyst / Investor Meet
Transcript of the Earnings Call - Q1 FY2729 Jul 2026 · Company Update / Earnings Call Transcript
Please find enclosed the newspaper advertisement pertaining to the financial results for the quarter ended 30/06/2026.25 Jul 2026 · Company Update / Newspaper Publication

Corporate actions

Purpose	Ex date	Record date	Payment date
Final Dividend - Rs. - 10.0000	26 Jul 2024	26 Jul 2024	—

Board meetings

22 Oct 2026 Board Meeting - Financial Results
24 Jul 2026 Board Meeting - Financial Results