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CreditAccess Grameen Ltd

CreditAccess Grameen Ltd

CREDITACC Share Price

NSE
1,387.601.06% (+14.60)
High
Low
Returns
1D
1W
1M
1Y
5Y
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1D
1W
1M
1Y
5Y
Max
SIP

With a market cap of ₹22,268 cr, stock is ranked 354

Stock is 2.97x as volatile as Nifty

CREDITACC Stock Scorecard

Performance

Avg

Price return has been average, nothing exciting

Valuation

High

Seems to be overvalued vs the market average

Growth

Low

Lagging behind the market in financials growth

Profitability

Avg

Average profitability - not good, not bad

Entry point

Good

The stock is underpriced and is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

With a market cap of ₹22,268 cr, stock is ranked 354

Stock is 2.97x as volatile as Nifty

CREDITACC Performance & Key Metrics

CREDITACC Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
18.392.84
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
16.182.081.18%

CREDITACC Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
100%
Analysts have suggested that investors can buy this stock

from 15 analysts

Price Upside

Earnings Growth

Rev. Growth

See Detailed Forecast

CREDITACC Company Profile

CreditAccess Grameen is a non-banking financial company engaged in microfinance sector. Its services are focused towards the rural poor and low income households particularly women

Investor Presentation

View older View older 

Jul 24, 2026

PDF
View Older Presentations

CREDITACC Similar Stocks (Peers)

Compare with peers Compare with peers 

CREDITACC Similar Stocks (Peers)

Compare with peers Compare with peers 
PE Ratio
34.03
34.03
1Y Return
4.40%
4.40%
Buy Reco %
81.25
81.25
PE Ratio
23.71
23.71
1Y Return
61.11%
61.11%
Buy Reco %
87.50
87.50
PE Ratio
29.39
29.39
1Y Return
13.45%
13.45%
Buy Reco %
84.38
84.38
PE Ratio
97.25
97.25
1Y Return
27.56%
27.56%
Buy Reco %
100.00
100.00
PE Ratio
30.57
30.57
1Y Return
6.31%
6.31%
Buy Reco %
84.62
84.62
Compare with Peers

CREDITACC Sentiment Analysis

CREDITACC Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

CREDITACC Stock Summary · May 2026

A decisive recovery and institutional resilience underpinned the quarter, with Q4 disbursements reaching INR 8,313 crore (+44.1% QoQ) and AUM expanding 14.0% YoY. Management framed the results as validation of their growth strategy — scaling retail (retail share rose to 18.1% and is targeted at ~24–25% by end‑FY27), broadening funding via foreign borrowings, accelerating digital adoption and strengthening collections and controls — while maintaining a well‑capitalized balance sheet (capital adequacy 24.4%). They acknowledged clear tensions: strong volume and operating‑leverage gains (Q4 PPOP INR 780 crore; cost‑to‑income improved to 30.4%) have been accompanied by elevated credit costs (FY26 credit cost 6.74%), substantial write‑offs (491k) and an evolving forward‑looking ECL framework (Stage‑1 ECL 1.63% and incremental provisions). Margin dynamics improved in Q4 but management guided FY27 NIM lower (12.8–13.2%) as pricing actions are phased in, and they widened credit‑cost guidance to 3–4% to reflect model evolution and external risks; FY27 targets also include AUM growth 20–25%, cost‑income 33–35%, ROA 4.0–4.8% and ROE 16.0–20.0%.

CREDITACC Stock Growth Drivers
CREDITACC Stock Growth Drivers
7
  • Robust near-term profitability and operating efficiency

    Q4 FY26 delivered a marked improvement in core profitability and operating leverage, with PPOP rising

  • Strong loan origination, AUM growth and borrower acquisition with retail mix expansion

    The company achieved significant scale in originations and customer additions: Q4 disbursements rose to INR

CREDITACC Stock Challenges
CREDITACC Stock Challenges
5
  • Elevated credit costs and conservative provisioning drove near-term profit shortfalls

    The company recorded full-year credit cost of 6.74% versus prior guidance of 5.5–6.0%, driven largely

  • Provisioning and credit-cost outlook remains volatile and uncertain

    Management has implemented an evolving forward‑looking ECL model (Stage 1 ECL increased to 1.63%) and

CREDITACC Forecast

CREDITACC Forecasts

Price

Revenue

Earnings

CREDITACC

CREDITACC

Income

Balance Sheet

Cash Flow

CREDITACC Income Statement

CREDITACC Income Statement

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Quartermar 2024jun 2024sep 2024dec 2024mar 2025jun 2025sep 2025dec 2025mar 2026jun 2026
Total Revenue1,459.101,512.581,453.921,381.931,407.711,463.631,509.021,491.311,598.581,784.41
Operating & Other expensessubtract915.89963.491,184.741,495.331,341.471,367.291,324.061,137.011,137.891,108.17
Depreciation/Amortizationsubtract13.7514.3517.1915.5315.1615.2215.8016.3815.6916.21
Interest & Other Itemssubtract0.000.000.000.000.000.000.000.000.000.00
Taxes & Other Itemssubtract132.38137.0865.93-29.413.8720.9343.3585.83105.45166.64
EPS24.9324.9511.67-6.242.963.777.8715.7621.2030.79

CREDITACC Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2027FY 2027

Annual Report Pending

Investor Presentation

Jul 24PDF
FY 2026FY 2026

Annual report

PDF

Investor Presentation

May 8PDF
Jan 20PDF
Oct 28PDF
Jul 22PDF
FY 2025FY 2025

Annual report

PDF

Investor Presentation

May 16PDF
May 16PDF
Jan 24PDF
Oct 25PDF
FY 2024FY 2024

Annual report

PDF

Investor Presentation

Jul 21PDF
FY 2023FY 2023

Annual report

PDF
FY 2022FY 2022

Annual report

PDF
FY 2021FY 2021

Annual report

PDF
FY 2020FY 2020

Annual report

PDF
FY 2019FY 2019

Annual report

PDF
FY 2018FY 2018

Annual report

PDF
 

CREDITACC Stock Peers

CREDITACC Past Performance & Peer Comparison

CREDITACC Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
CreditAccess Grameen Ltd28.642.84
Bajaj Finance Ltd34.035.530.58%
Shriram Finance Limited23.713.610.86%
Cholamandalam Investment and Finance Company Ltd29.395.050.11%

CREDITACC Stock Price Comparison

Compare CREDITACC with any stock or ETF
Compare CREDITACC with any stock or ETF
CREDITACC
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CREDITACC Holdings

CREDITACC Shareholdings

CREDITACC Promoter Holdings Trend

CREDITACC Promoter Holdings Trend

Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding
Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

CREDITACC Institutional Holdings Trend

CREDITACC Institutional Holdings Trend

Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

CREDITACC Shareholding Pattern

CREDITACC Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding66.21%10.20%2.47%13.48%7.63%

Sep 2025

Dec 2025

Mar 2026

Jun 2026

CREDITACC Shareholding History

CREDITACC Shareholding History

MarJunSepDec '25MarJun11.38%12.13%12.29%11.68%12.94%13.48%

Mutual Funds Invested in CREDITACC

Mutual Funds Invested in CREDITACC

No mutual funds holding trends are available

Top 5 Mutual Funds holding CreditAccess Grameen Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
1.2465%1.40%-0.31%34/105 (-26)
1.0425%0.74%-0.04%52/141 (-1)
0.7471%0.85%-0.15%13/177 (-2)

Compare 3-month MF holding change on Screener

CREDITACC Insider Trades & Bulk Stock Deals

CREDITACC Insider Trades & Bulk Stock Deals

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smallcases containing CREDITACC stock

smallcases containing CREDITACC stock

A smallcase is a basket of stocks/ETFs that represents an idea or theme.Diversify your risk and buy smallcases that have CreditAccess Grameen Ltd

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Rising Rural Demand Theme

Rising Rural Demand Theme

Created by Windmill Capital

CREDITACC's Wtg.
8.00%
8.00%
CAGR
8.50%
Banking Privately Theme

Banking Privately Theme

Created by Windmill Capital

CREDITACC's Wtg.
6.10%
6.10%
CAGR
7.14%

CREDITACC Events

CREDITACC Events

CREDITACC Dividend Trend

No dividend trend available

Dividends

Corp. Actions

Announcements

Legal Orders

CREDITACC Dividend Trend

No dividend trend available

CREDITACC Upcoming Dividends

CREDITACC Upcoming Dividends

No upcoming dividends are available

CREDITACC Past Dividends

CREDITACC Past Dividends

Cash Dividend

Ex DateEx DateJul 26, 2024

Final
Final | Div/Share: ₹10.00

Dividend/Share

10.00

Ex DateEx Date

Jul 26, 2024

CREDITACC Stock News & Opinions

CREDITACC Stock News & Opinions

Corporate
Corporate
CreditAccess Grameen allocates shares to employees under its 2011 stock option plan

CreditAccess Grameen Limited announced the allotment of 33,689 equity shares of Rs 10 each to 18 employees who exercised options under the CAGL Employees Stock Option Plan – 2011, according to a filing with the BSE Limited and National Stock Exchange of India Limited on September 18, 2026.

1 day agoCapital Market - Live
Corporate
Corporate
CreditAccess Grameen Limited allotted shares to employees under its 2011 stock option plan

CreditAccess Grameen Limited announced the allotment of 30,135 equity shares of Rs 10 each to 20 employees on September 4, 2026, under the company’s Employees Stock Option Plan – 2011, according to a filing with the BSE Limited and National Stock Exchange of India Limited.

2 weeks agoCapital Market - Live
Corporate
Corporate
CreditAccess Grameen Limited allotted debentures totaling INR 300 crore, listed on BSE

CreditAccess Grameen Limited announced the allotment of 10,000 senior, secured, rated, listed, redeemable, transferable, taxable, non-convertible debentures of INR 100,000 each, totaling INR 100 crore (Series I Debentures), and 20,000 debentures of the same denomination, totaling INR 200 crore (Series II Debentures), on a private placement basis. The company will list the debentures on the Wholesale Debt Market segment of BSE Limited, with Series I debentures maturing on September 2, 2028, and Series II debentures maturing on September 2, 2029.

2 weeks agoCapital Market - Live
Corporate
Corporate
CreditAccess Grameen Limited allocates shares to employees via its 2011 stock option plan

CreditAccess Grameen Limited announced the allotment of 43,025 equity shares of Rs 10 each to 13 employees under its Employees Stock Option Plan – 2011, according to a regulatory filing with the BSE Limited and National Stock Exchange of India Limited on August 20, 2026, with Managing Director & CEO Mr. Ganesh Narayanan receiving 11,050 of the allotted shares.

1 month agoCapital Market - Live
Earnings
Earnings
CreditAccess Grameen Ltd consolidated sales up 11.66% on year in Q2FY2026, net profit saw a strong growth of 45.31%

CreditAccess Grameen Ltd share price declined by 0.78% to Rs 1538.5. The Company's net profit surged by 45.31% to Rs 493.39 crore, while revenue from operations edged up 11.66% to Rs 1783.49 crore in Q2FY26 over Q1FY26. The market capitalization of Microfinance Institutions industry group stocks on BSE stood at Rs 31989.04 crore, gaining 1.96%. It has softened by 3.92% over last one week and heading higher by 11.63% in last one month while the market capitalization of CreditAccess Grameen Ltd has eased by 1.09% and 17.96% in the same period respectively. Profit before tax (PBT) of CreditAccess Grameen Ltd stood at Rs 660.03 crore in Q2 FY26, surging by 713.65% year-on-year, and expanding by 48.32% quarter-on-quarter. EBITDA came in at Rs 674 crore, jumping 610.94% YoY and rallying 47.23% sequentially. Total expenses marginally dropped 2.53% to Rs 1124.38 crore in Q2FY26 over Q2FY25. During the quarter, employee benefits expense was at Rs 242.02 crore, soaring 14.32% YoY. For the TTM ended FY26, revenue from operations grew marginally by 5.33% to Rs 6058.92 crore, while net profit soared by 46.34% to Rs 777.64 crore, compared to previous TTM. EBITDA witnessed a strong improvement of 76333% to Rs 1089.04 crore, and PBT witnessed a strong rise of 45.75% to Rs 1033.2 crore compared to previous TTM. CreditAccess Grameen Ltd rallied 14.32% in last one year, significantly outperforming the benchmark BSE Sensex which has eased by 4.36% during the same period.

1 month agoCapital Market - Live
Corporate
Corporate
CreditAccess Grameen Limited’s committee awarded 101,320 equity shares to employees

CreditAccess Grameen Limited announced on August 7, 2026, that its Executive, Borrowings and Investment Committee allotted 1,01,320 equity shares of Rs 10 each to 17 employees under the CAGL Employees Stock Option Plan – 2011.

1 month agoCapital Market - Live
Spotlight
Spotlight
Volumes spurt at CreditAccess Grameen Ltd counter

IDFC First Bank Ltd, KFin Technologies Ltd, Latent View Analytics Ltd, Godfrey Phillips India Ltd are among the other stocks to see a surge in volumes on NSE today, 27 July 2026.CreditAccess Grameen Ltd registered volume of 33 lakh shares by 14:14 IST on NSE, a 12.96 fold spurt over two-week average daily volume of 2.55 lakh shares. The stock rose 5.66% to Rs.1,603.50. Volumes stood at 3.35 lakh shares in the last session.IDFC First Bank Ltd saw volume of 1603.88 lakh shares by 14:14 IST on NSE, a 10.99 fold spurt over two-week average daily volume of 145.90 lakh shares. The stock increased 5.21% to Rs.85.00. Volumes stood at 162.6 lakh shares in the last session.KFin Technologies Ltd witnessed volume of 63.79 lakh shares by 14:14 IST on NSE, a 8.2 times surge over two-week average daily volume of 7.78 lakh shares. The stock increased 9.20% to Rs.936.65. Volumes stood at 7.49 lakh shares in the last session.Latent View Analytics Ltd saw volume of 45.51 lakh shares by 14:14 IST on NSE, a 6.39 fold spurt over two-week average daily volume of 7.13 lakh shares. The stock increased 7.45% to Rs.318.10. Volumes stood at 2.27 lakh shares in the last session.Godfrey Phillips India Ltd clocked volume of 12.85 lakh shares by 14:14 IST on NSE, a 6.34 times surge over two-week average daily volume of 2.03 lakh shares. The stock gained 3.12% to Rs.2,196.10. Volumes stood at 4.08 lakh shares in the last session.Powered by Capital Market - Live

1 month agoCapital Market - Live
Earnings
Earnings
CreditAccess Grameen consolidated net profit rises 719.72% in the June 2026 quarter

Net profit of CreditAccess Grameen rose 719.72% to Rs 493.39 crore in the quarter ended June 2026 as against Rs 60.19 crore during the previous quarter ended June 2025. Sales rose 21.92% to Rs 1783.49 crore in the quarter ended June 2026 as against Rs 1462.89 crore during the previous quarter ended June 2025. ParticularsQuarter EndedJun. 2026Jun. 2025% Var. Sales1783.491462.89 22 OPM %68.7139.49 - PBDT676.2496.34 602 PBT660.0381.12 714 NP493.3960.19 720 Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Corporate
CreditAccess Grameen to convene board meeting

CreditAccess Grameen will hold a meeting of the Board of Directors of the Company on 24 July 2026.

2 months agoCapital Market - Live
Corporate
Corporate
CreditAccess Grameen to convene AGM

CreditAccess Grameen announced that the Annual General Meeting(AGM) of the company will be held on 3 July 2026.

3 months agoCapital Market - Live

Frequently asked questions

Frequently asked questions

  1. The share price of CREDITACC as on 18th September 2026 is ₹1387.60. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. The past returns of CreditAccess Grameen Ltd (CREDITACC) share are
    • Past 1 week: 0.52%
    • Past 1 month: -10.07%
    • Past 3 months: -2.25%
    • Past 6 months: 16.78%
    • Past 1 year: -0.08%
    • Past 3 years: 4.21%
    • Past 5 years: 117.29%

  3. Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of CreditAccess Grameen Ltd (CREDITACC) is ₹22268.83 Cr as of 18th September 2026.

  4. The 52-week high of CreditAccess Grameen Ltd (CREDITACC) is ₹1634 and the 52-week low is ₹1113.

  5. The P/E (price-to-earnings) ratio of CreditAccess Grameen Ltd (CREDITACC) is 28.64. The P/B (price-to-book) ratio is 2.84.

  6. CreditAccess Grameen Ltd (CREDITACC) belongs to the Financials sector & Consumer Finance sub-sector.

  7. You can directly buy CreditAccess Grameen Ltd (CREDITACC) shares on Tickertape. Simply sign up, connect your demat account and place your order.