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CreditAccess Grameen Ltd

CREDITACC Share Price

1,335.101.04% (+13.70)
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Returns
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With a market cap of ₹21,157 cr, stock is ranked 334

Stock is 3.78x 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

High

Showing good signs of profitability & efficiency

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 ₹21,157 cr, stock is ranked 334

Stock is 3.78x as volatile as Nifty

CREDITACC Performance & Key Metrics

CREDITACC Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
43.603.04
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
18.142.470.98%

CREDITACC Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
87%
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 

Jan 20, 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
36.03
36.03
1Y Return
14.46%
14.46%
Buy Reco %
66.67
66.67
PE Ratio
19.70
19.70
1Y Return
83.17%
83.17%
Buy Reco %
90.00
90.00
PE Ratio
103.97
103.97
1Y Return
12.79%
12.79%
Buy Reco %
100.00
100.00
PE Ratio
39.85
39.85
1Y Return
4.78%
4.78%
Buy Reco %
87.50
87.50
PE Ratio
27.28
27.28
1Y Return
66.83%
66.83%
Buy Reco %
68.75
68.75
Compare with Peers

CREDITACC Sentiment Analysis

CREDITACC Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

CREDITACC Stock Summary · January 2026

In Q3 FY26, the company demonstrated robust growth, highlighted by a significant increase in disbursements and improved asset quality, evidenced by high collection efficiency and reduced delinquency rates. While challenges persist, such as managing credit costs and adapting to new labor codes, the strategic expansion of the retail finance portfolio and the successful integration of digital platforms position the company favorably for future growth. Optimism surrounds the anticipated stabilization of credit costs and the potential for a 20% growth rate in FY27, despite a challenging microfinance environment. The focus on maintaining manageable credit exposure and enhancing customer acquisition efforts reflects a commitment to sustainable profitability and operational efficiency. Overall, the market sentiment remains positive, bolstered by a healthy borrower base and strategic initiatives aimed at capturing growth opportunities.

CREDITACC Stock Growth Drivers
CREDITACC Stock Growth Drivers
7
  • Strong Financial Performance

    In Q3 FY26, the company reported a 13.4% year-over-year increase in disbursements, totaling INR 5,767

  • Improved Asset Quality

    The company demonstrated a notable improvement in asset quality, with collection efficiency reaching 99.71% in

CREDITACC Stock Challenges
CREDITACC Stock Challenges
7
  • Declining Approval and Renewal Rates

    The approval rates for new borrowers have decreased to approximately 55% to 60%, down from

  • Challenges in Credit Discipline and Borrowing

    Concerns have been raised regarding credit discipline in key regions, particularly Karnataka, where despite reported

CREDITACC Forecast

CREDITACC Forecasts

Price

Revenue

Earnings

CREDITACC

CREDITACC

Income

Balance Sheet

Cash Flow

CREDITACC Income Statement

CREDITACC Income Statement

Industry refers to the sub-sector this company belongs to.
Higher than Industry Revenue Growth
A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 27.54%, vs industry avg of 16.73%

Increasing Market Share
Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share increased from 1.05% to 1.75%

Lower than Industry Net Income
Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 9.76%, vs industry avg of 21.51%

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Financial YearFY 2019FY 2020FY 2021FY 2022FY 2023FY 2024FY 2025TTM
Total Revenue1,283.321,705.482,466.072,750.133,550.795,172.655,756.145,871.67
Raw Materialssubtract0.000.000.000.000.000.000.005,169.83
Power & Fuel Costsubtract0.000.000.000.000.000.000.00
Employee Costsubtract186.05262.05379.99437.66515.24669.43730.36
Selling & Administrative Expensessubtract88.18125.95136.93180.30246.12295.46333.72
Operating & Other expensessubtract503.56835.511,724.681,604.151,641.422,217.433,920.97
Depreciation/Amortizationsubtract7.7920.3744.0747.2349.8451.1562.2262.56
Interest & Other Itemssubtract0.000.000.000.000.000.000.000.00
Taxes & Other Itemssubtract175.98128.0546.38127.72279.36493.25177.47153.98
EPS22.4123.208.9522.6752.0390.8633.3130.38
DPS0.000.000.000.000.0010.000.000.00
Payout ratio0.000.000.000.000.000.110.000.00

CREDITACC Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2026FY 2026

Annual Report Pending

Investor Presentation

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

Investor Presentation

May 16PDF
Feb 7PDF
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 Ltd39.813.04
Bajaj Finance Ltd36.036.060.58%
Shriram Finance Ltd19.703.330.99%
Jio Financial Services Ltd103.971.360.19%

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 Holding66.28%10.65%2.58%11.68%8.80%

Mar 2025

Jun 2025

Sep 2025

Dec 2025

CREDITACC Shareholding History

CREDITACC Shareholding History

SepDec '24MarJunSepDec '2510.76%9.76%11.38%12.13%12.29%11.68%

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)
0.9226%0.74%-0.06%52/155 (-1)
0.7969%1.29%-0.11%19/101 (-1)
0.7232%1.12%0.15%26/100 (+1)

Compare 3-month MF holding change on Screener

CREDITACC Insider Trades & Bulk Stock Deals

CREDITACC Insider Trades & Bulk Stock Deals

Hmm, looks like there hasn't been any net deal activity in the last 6 months

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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Banking Privately Theme

Banking Privately Theme

Created by Windmill Capital

CREDITACC's Wtg.
4.97%
4.97%
CAGR
15.61%
Rising Rural Demand Theme

Rising Rural Demand Theme

Created by Windmill Capital

CREDITACC's Wtg.
4.51%
4.51%
CAGR
8.96%

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

Spotlight
Volumes spurt at CreditAccess Grameen Ltd counter

Carborundum Universal Ltd, Kalyan Jewellers India Ltd, Mangalore Refinery And Petrochemicals Ltd, SRF Ltd are among the other stocks to see a surge in volumes on NSE today, 21 January 2026.CreditAccess Grameen Ltd notched up volume of 144.44 lakh shares by 14:14 IST on NSE, a 53.72 fold spurt over two-week average daily volume of 2.69 lakh shares. The stock rose 12.83% to Rs.1,402.00. Volumes stood at 2.89 lakh shares in the last session.Carborundum Universal Ltd saw volume of 10.43 lakh shares by 14:14 IST on NSE, a 9.51 fold spurt over two-week average daily volume of 1.10 lakh shares. The stock increased 2.49% to Rs.799.10. Volumes stood at 2.39 lakh shares in the last session.Kalyan Jewellers India Ltd clocked volume of 318.49 lakh shares by 14:14 IST on NSE, a 6.54 times surge over two-week average daily volume of 48.67 lakh shares. The stock lost 11.91% to Rs.397.70. Volumes stood at 54.44 lakh shares in the last session.Mangalore Refinery And Petrochemicals Ltd registered volume of 527.97 lakh shares by 14:14 IST on NSE, a 5.66 fold spurt over two-week average daily volume of 93.25 lakh shares. The stock rose 8.10% to Rs.150.70. Volumes stood at 55.72 lakh shares in the last session.SRF Ltd registered volume of 17.11 lakh shares by 14:14 IST on NSE, a 5.53 fold spurt over two-week average daily volume of 3.09 lakh shares. The stock slipped 7.09% to Rs.2,678.80. Volumes stood at 6.69 lakh shares in the last session.Powered by Capital Market - Live

1 week agoCapital Market - Live
Spotlight
CreditAccess Grameen Ltd leads gainers in 'A' group

Thangamayil Jewellery Ltd, Mangalore Refinery And Petrochemicals Ltd, NOCIL Ltd and Thirumalai Chemicals Ltd are among the other gainers in the BSE's 'A' group today, 21 January 2026.CreditAccess Grameen Ltd soared 10.45% to Rs 1369.85 at 11:45 IST. The stock was the biggest gainer in the BSE's 'A' group. On the BSE, 8.79 lakh shares were traded on the counter so far as against the average daily volumes of 22925 shares in the past one month. Thangamayil Jewellery Ltd surged 5.38% to Rs 3914.4. The stock was the second biggest gainer in 'A' group. On the BSE, 33205 shares were traded on the counter so far as against the average daily volumes of 14061 shares in the past one month. Mangalore Refinery And Petrochemicals Ltd spiked 4.91% to Rs 146.25. The stock was the third biggest gainer in 'A' group. On the BSE, 13.65 lakh shares were traded on the counter so far as against the average daily volumes of 5.69 lakh shares in the past one month. NOCIL Ltd jumped 4.49% to Rs 134.95. The stock was the fourth biggest gainer in 'A' group. On the BSE, 19418 shares were traded on the counter so far as against the average daily volumes of 14461 shares in the past one month. Thirumalai Chemicals Ltd gained 3.55% to Rs 200. The stock was the fifth biggest gainer in 'A' group. On the BSE, 16802 shares were traded on the counter so far as against the average daily volumes of 13949 shares in the past one month. Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Spotlight
Volumes soar at CreditAccess Grameen Ltd counter

Adani Green Energy Ltd, SRF Ltd, Jammu and Kashmir Bank Ltd, SBI Life Insurance Company Ltd are among the other stocks to see a surge in volumes on BSE today, 21 January 2026.CreditAccess Grameen Ltd registered volume of 6.03 lakh shares by 10:45 IST on BSE, a 86.69 fold spurt over two-week average daily volume of 6951 shares. The stock gained 8.71% to Rs.1,348.30. Volumes stood at 11155 shares in the last session.Adani Green Energy Ltd registered volume of 11.18 lakh shares by 10:45 IST on BSE, a 6.95 fold spurt over two-week average daily volume of 1.61 lakh shares. The stock slipped 0.76% to Rs.876.60. Volumes stood at 1.34 lakh shares in the last session.SRF Ltd recorded volume of 32422 shares by 10:45 IST on BSE, a 6.08 times surge over two-week average daily volume of 5329 shares. The stock dropped 4.33% to Rs.2,748.70. Volumes stood at 10714 shares in the last session.Jammu and Kashmir Bank Ltd notched up volume of 6.71 lakh shares by 10:45 IST on BSE, a 4.12 fold spurt over two-week average daily volume of 1.63 lakh shares. The stock gained 2.43% to Rs.101.30. Volumes stood at 1.86 lakh shares in the last session.SBI Life Insurance Company Ltd witnessed volume of 1.13 lakh shares by 10:45 IST on BSE, a 3.87 times surge over two-week average daily volume of 29136 shares. The stock increased 0.23% to Rs.2,053.15. Volumes stood at 6908 shares in the last session.Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Spotlight
CreditAccess Grameen jumps on sharp Q3 profit rebound

Net profit swung to Rs 252.1 crore in Q3 FY26, compared with a loss of Rs 99.5 crore in Q3 FY25. On a sequential basis, profit after tax more than doubled, rising 100.4% from Rs 125.8 crore in Q2 FY26. Net interest income grew 13.4% YoY to Rs 976.9 crore and remained almost flat QoQ. Non-interest income rose 21.2% YoY to Rs 55 crore and increased 2.8% over the previous quarter. Profit before tax stood at Rs 337.9 crore in Q3 FY26, compared with a loss of Rs 128.9 crore in Q3 FY25. Sequentially, PBT almost doubled, rising 99.8% from Rs 169.2 crore in Q2 FY26. Pre-provision operating profit came in at Rs 680.5 crore in Q3 FY26, up 9.2% YoY but down 2.1% QoQ. Employee expenses increased 27.2% to Rs 226.9 crore while other expenses rose 20% to Rs 108.2 crore. Depreciation and amortisation rose 5.5% YoY to Rs 16.4 crore. Impairment costs fell sharply by 54.4% YoY to Rs 342.6 crore, aiding the bottom-line recovery. On the balance sheet front, assets under management rose 7.1% YoY to Rs 26,566 crore, while disbursements grew 13.4% YoY to Rs 5,767 crore. The lender added 2.06 lakh new borrowers during the quarter, with 39% being new-to-credit customers. Portfolio share of unique borrowers improved to 43% in Q3 FY26 from 41% in Q2 FY26. Asset quality continued to strengthen, with PAR 0+ declining to 4.4% from 4.7% in the previous quarter. Collection efficiency improved to 95.5% in December 2025 from 94.5% in September 2025. Declining new PAR accretion led to reduction in credit cost by 54.4% YoY to Rs 342.6 crore. Operationally, the branch network expanded 7.9% YoY to 2,222 branches, while employee strength increased 12.2% YoY to 21,701. Retail finance portfolio share rose to 14.1% in December 2025 from 11.1% in September 2025. Liquidity remained strong at Rs 2,397.4 crore, equivalent to 8.4% of total assets, while the capital adequacy ratio stood at a healthy 26.4%. CreditAccess Grameen is a Bengaluru-based microfinance institution focused on providing micro-loans to women customers in rural India. The company operates across more than 450 districts in 16 states and one union territory through a widespread branch-led model, with a strategic focus on disciplined growth, improving asset quality and sustainable profitability. Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Earnings
CreditAccess Grameen reports consolidated net profit of Rs 252.09 crore in the December 2025 quarter

Net profit of CreditAccess Grameen reported to Rs 252.09 crore in the quarter ended December 2025 as against net loss of Rs 99.52 crore during the previous quarter ended December 2024. Sales rose 7.97% to Rs 1490.41 crore in the quarter ended December 2025 as against Rs 1380.38 crore during the previous quarter ended December 2024. ParticularsQuarter EndedDec. 2025Dec. 2024% Var. Sales1490.411380.38 8 OPM %54.5326.07 - PBDT354.30-113.40 LP PBT337.92-128.93 LP NP252.09-99.52 LP Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Corporate
CreditAccess Grameen to announce Quarterly Result

CreditAccess Grameen will hold a meeting of the Board of Directors of the Company on 20 January 2026.Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Spotlight
CreditAccess Grameen registers nearly 9% YoY rise in disbursements in Q3

The disbursements are higher by 14.2% as compared with the figure of Rs 5,085 crore registered in Q3 FY25. The gross loan portfolio (GLP) as on 31 December 2025 was Rs 26,566 crore, up 7.1% YoY and up 2.6% QoQ. The company added 2.1 lakh borrowers in Q3 FY26 as against 2.2 lakh borrowers added in Q2 FY26. Its network expanded to 2,222 branches at the end of December 2025 from 2,209 branches at the end of September 2025. The company witnessed normalisation of asset quality across geographies, with X-Bucket collection efficiency (CE) rising to 99.71% in December 2025. Karnataka emerged as one of the best performing states, marking a return to its earlier asset quality trends The portfolio at risk (PAR) 0'30 improved materially during the period, declining from 100 basis points to 60 basis points, driven primarily by a reduction in fresh delinquency accretion. This indicates better early-stage repayment behavior and improved credit quality among recent borrowers. At the same time, however, the subsequent PAR buckets continued to witness forward movement, reflecting the natural aging of existing delinquencies as accounts migrated to later stages of stress. CreditAccess Grameen is a leading Indian microfinance institution headquartered in Bengaluru, focused on providing micro-loans to women customers predominantly in rural areas across India. The company had reported 32.38% fall in consolidated net profit to Rs 125.81 crore even as revenue rose by 3.79% to Rs 1508.35 crore in Q2 FY26 as compared with Q2 FY25. The scrip shed 0.85% to currently trade at Rs 1318.30 on the BSE. Powered by Capital Market - Live

4 weeks agoCapital Market - Live
Corporate
CreditAccess Grameen allots 23,356 equity shares under ESOP

CreditAccess Grameen has allotted 23,356 equity shares under ESOP on 06 January 2026. Powered by Capital Market - Live

4 weeks agoCapital Market - Live
Corporate
CreditAccess Grameen approves raising up to Rs 1500 cr via FCCBs and NCDs

The board of CreditAccess Grameen at its meeting held on 10 December 2025 has approved the issuance of foreign currency bonds and non-convertible securities on private placement basis in one or more tranches for an aggregate amount of Rs 1500 crore. Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
CreditAccess Grameen announces board meeting date

CreditAccess Grameen will hold a meeting of the Board of Directors of the Company on 10 December 2025.Powered by Capital Market - Live

1 month agoCapital Market - Live

Frequently asked questions

Frequently asked questions

  1. What is the share price of CreditAccess Grameen Ltd (CREDITACC) today?

    The share price of CREDITACC as on 4th February 2026 is ₹1335.10. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. What is the return on CreditAccess Grameen Ltd (CREDITACC) share?

    The past returns of CreditAccess Grameen Ltd (CREDITACC) share are
    • Past 1 week: -4.53%
    • Past 1 month: 1.55%
    • Past 3 months: -6.23%
    • Past 6 months: 6.79%
    • Past 1 year: 29.97%
    • Past 3 years: 46.86%
    • Past 5 years: 82.07%

  3. What are the peers or stocks similar to CreditAccess Grameen Ltd (CREDITACC)?

    The peers or stocks similar to CreditAccess Grameen Ltd (CREDITACC) include:

  4. What is the market cap of CreditAccess Grameen Ltd (CREDITACC) share?

    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 ₹21157.50 Cr as of 4th February 2026.

  5. What is the 52 week high and low of CreditAccess Grameen Ltd (CREDITACC) share?

    The 52-week high of CreditAccess Grameen Ltd (CREDITACC) is ₹1496.70 and the 52-week low is ₹847.80.

  6. What is the PE and PB ratio of CreditAccess Grameen Ltd (CREDITACC) stock?

    The P/E (price-to-earnings) ratio of CreditAccess Grameen Ltd (CREDITACC) is 39.81. The P/B (price-to-book) ratio is 3.04.

  7. Which sector does CreditAccess Grameen Ltd (CREDITACC) belong to?

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

  8. How to buy CreditAccess Grameen Ltd (CREDITACC) shares?

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