Is CreditAccess Grameen a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that CreditAccess Grameen Ltd is a good quality company .

Is CreditAccess Grameen undervalued or overvalued?

The key valuation ratios of CreditAccess Grameen Ltd's currently when compared to its past seem to suggest it is in the Fair zone .

What is CreditAccess Grameen share price return in the past 10 years?

Data is not available for this company

Is CreditAccess Grameen a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of CreditAccess Grameen Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing

CreditAccess Grameen Ltd - Stock Valuation and Financial Performance

Name: CreditAccess Grameen
Brand: CreditAccess Grameen

BSE: 541770 | NSE: CREDITACC | Finance - NBFC | Small Cap

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CreditAccess Grameen Share Price

₹1,267.55 -20.95 -1.63%
as on 18-Jul'25 16:59

CreditAccess Grameen Ltd - Stock Valuation and Financial Performance

BSE: 541770 | NSE: CREDITACC | Finance - NBFC | Small Cap

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CreditAccess Grameen Share Price

₹1,267.55 -20.95 -1.63%
as on 18-Jul'25 16:59

10 Year X-Ray of CreditAccess Grameen:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Standalone Basis ^P Consolidated Basis ^P

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Operating Income (₹ Cr.)	457	702	871	1,282	1,683	2,028	2,743	3,545	5,167	5,752	5,752
YoY Gr. Rt. %	-	53.6%	24.1%	47.3%	31.3%	20.5%	35.3%	29.3%	45.7%	11.3%	-
Adj EPS (₹ )	11.5	8.8	16.5	22.4	22.7	9.2	22.7	52	90.7	33.3	33.3
YoY Gr. Rt. %	-	-23.5%	88.4%	35.5%	1.5%	-59.8%	147.5%	129.5%	74.5%	-63.3%	-
BVPS (₹ )	63.2	80.5	111.5	164.1	184.8	233.1	266.6	320.2	410.3	432.4	432.4
YoY Gr. Rt. %	-	27.3%	38.6%	47.2%	12.6%	26.2%	14.4%	20.1%	28.2%	5.4%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	3.7	2.4	4.9	5	3.5	1.2	2.3	4.1	5.5	1.8	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	32.5%	27.9%	28%	11.3%
Adj EPS	12.6%	7.9%	13.7%	-63.3%
BVPS	23.8%	18.5%	17.5%	5.4%
Share Price	-	18%	6.6%	-1.3%

Key Financial Ratios


RATIOS \ YEARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0	0	0	0	0	0	0	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	0	0	0	0	0	0	0	0	0	0	-
Margins
Net Profit Margin (%)	18.3	10.7	24.4	25.1	19.5	7	12.9	23.3	28	9.2	9.2
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	20	13.1	20	17	13.1	4.5	9.1	17.9	24.9	7.9	7.7

Recent Performance Summary

Total Income has increased 28.00 CAGR in last 3 years

Net Profit has increased 13.67 CAGR in last 3 years

Return on Equity has declined versus last 3 years average to 7.70%

Total income growth is poor in last 4 quarters

Latest Financials - CreditAccess Grameen Ltd.

	Standalone	Consolidated
TTM EPS (₹)	33.3	33.3
TTM Sales (₹ Cr.)	5,752	5,752
BVPS (₹.) ⓘ	432.4	432.4
Reserves (₹ Cr.) ⓘ	6,747	6,747
P/BV ⓘ	2.93	2.93
PE ⓘ	38.10	38.10

From the Market
52 Week Low / High (₹)	750.05 / 1355.00
All Time Low / High (₹)	245.75 / 1794.40
Market Cap (₹ Cr.)	20,248
Equity (₹ Cr.)	159.7
Face Value (₹)	10
Industry PE ⓘ	31.8

Management X-Ray of CreditAccess Grameen:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of CreditAccess Grameen

Price Calculator

Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

Key Ratios of CreditAccess Grameen

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Income	467	709	1,002	1,283	1,684	2,031	2,750	3,552	5,173	5,756
Interest Income	457	702	871	1,282	1,683	2,028	2,743	3,545	5,167	5,752
Other Income ⓘ	10	8	131	1	1	3	7	7	6	4
Expenditure ⓘ	336	593	674	786	1,234	1,837	2,269	2,447	3,233	5,047
Interest Expense ⓘ	207	324	354	417	575	745	987	1,216	1,738	1,955
Operating Expenses ⓘ	109	156	193	282	404	430	665	813	1,026	1,134
Provisions	20	112	127	86	255	662	617	418	469	1,958
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	0
Profit Before Tax ⓘ	130	117	328	498	451	194	481	1,105	1,939	709
Taxes ⓘ	47	41	116	176	123	52	128	279	493	177
Profit After Tax	84	75	212	322	328	142	353	826	1,446	531
Adjusted EPS (₹)	11.5	8.8	16.5	22.4	22.7	9.2	22.7	52.0	90.7	33.3
Dividend Payout Ratio (%)	0%	0%	0%	0%	0%	0%	0%	0%	11%	0%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Equity and Liabilities
Equity Capital	465	691	1,437	2,365	2,669	3,635	4,167	5,107	6,570	6,956
Share Capital ⓘ	73	86	128	144	144	156	156	159	159	160
Reserves ⓘ	392	605	1,309	2,222	2,525	3,479	4,011	4,948	6,411	6,796
Minority Interest	0	0	0	0	0	0	0	0	0	0
Long Term Borrowings	1,125	1,158	3,737	5,106	8,192	9,209	13,203	16,802	13,245	10,906
Current Liabilities	1,215	1,667	51	158	191	302	595	625	10,220	11,117
Trade Payables	0	0	35	104	80	170	259	304	256	154
Short term borrowings	20	0	0	37	25	25	26	25	9,871	10,461
Other Liabilities	-20	0	-35	-141	-105	-195	-284	-329	-10,127	-10,615
Total Liabilities ⓘ	2,805	3,516	5,225	7,629	11,053	13,146	17,965	22,533	30,035	28,979
Assets
Non Current Asset	822	665	5,070	6,969	10,426	11,087	15,904	20,219	27,194	26,187
Loan Asset	766	632	4,896	6,603	9,173	9,718	14,765	19,043	25,105	24,274
Other Non Current Asset ⓘ	56	33	174	366	1,253	1,369	1,138	1,175	2,089	1,913
Current Asset	1,980	2,851	156	661	627	2,059	2,061	2,315	2,840	2,792
Current Investment	0	0	0	0	0	0	0	454	1,438	892
Other Current Asset	1,980	2,851	156	661	627	2,059	2,061	1,861	1,402	1,899
Total Assets ⓘ	2,805	3,516	5,225	7,629	11,053	13,146	17,965	22,533	30,035	28,979

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash Flow From Operating Activity ⓘ	-988	-425	-1,726	-1,378	-2,302	-364	-2,713	-3,290	-4,734	1,125
Cash Flow From Investing Activity ⓘ	53	-5	54	-7	-636	-32	-33	-314	-994	708
Cash Flow From Financing Activity ⓘ	934	579	1,470	1,829	2,929	1,706	1,967	3,365	5,494	-1,669
Net Cash Flow ⓘ	-1	149	-202	444	-9	1,310	-780	-239	-234	164

Finance Ratio

Standalone Basis Consolidated Basis

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Operational & Financial Ratios
EPS (₹)	11	9	17	22	23	9	23	52	91	33
DPS (₹)	0	0	0	0	0	0	0	0	10	0
BVPS (₹)	63	80	112	164	185	233	267	320	410	432
Performance Ratios
ROA (%)	3.7	2.4	4.9	5.0	3.5	1.2	2.3	4.1	5.5	1.8
ROE (%)	20.0	13.1	20.0	17.0	13.1	4.5	9.1	17.9	24.9	7.9
ROCE (%)	15.5	14.6	16.2	14.9	11.6	8.2	10.0	12.1	14.8	9.6
Valuation Parameters
Price/Book(x)	0.0	0.0	0.0	3.1	1.8	2.9	3.2	2.9	3.5	2.2

CreditAccess Grameen Ltd Stock News

CreditAccess Grameen Ltd FAQs

What is the share price of CreditAccess Grameen?

Company share prices are keep on changing according to the market conditions. The closing price of CreditAccess Grameen on 18-Jul-2025 16:59 is ₹1,267.6.

What is the market cap of CreditAccess Grameen?

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 18-Jul-2025 16:59 the market cap of CreditAccess Grameen stood at ₹20,248.4.

What is the P/E ratio of CreditAccess Grameen?

The latest P/E ratio of CreditAccess Grameen as of 18-Jul-2025 16:59 is 38.10.

What is the P/B ratio of CreditAccess Grameen?

The latest P/B ratio of CreditAccess Grameen as of 18-Jul-2025 16:59 is 2.93.

What is the 52-week high and low of CreditAccess Grameen?

The 52-week high of CreditAccess Grameen is ₹1,355 and the 52-week low is ₹750.0.

What is the TTM revenue of CreditAccess Grameen?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of CreditAccess Grameen is ₹5,752 ( Cr.) .

About CreditAccess Grameen Ltd

The company was incorporated as ‘Sanni Collection Private Limited (SCPL)’ on June 12, 1991 at Calcutta, West Bengal, India as a private limited company under the Companies Act, 1956. In February 2007, the entire shareholding of SCPL was acquired by Vinatha M. Reddy, Vijitha Subbaiah and Suresh K. Krishna, in their respective individual capacity. At the time of the acquisition, SCPL also held a certificate of registration as a non-deposit taking NBFC dated March 30, 1998. Subsequently, in October 2007, the microfinance business being operated under T. Muniswamappa Trust (TMT), a public charitable trust engaged in the business of providing micro loans in Karnataka (including all associated assets, liabilities, goodwill, receivables, loan assets and intellectual property, including the brand name Grameen Koota) was transferred to SCPL. The microfinance business being operated under TMT was established as a programme under the name Grameen Koota in 1999. Subsequent to the acquisition of SCPL and the transfer of the microfinance business of TMT to SCPL, SCPL was rebranded under the Grameen name, and pursuant to a resolution of the shareholders of SCPL, its name was changed from SCPL to ‘Grameen Financial Services Private Limited (GFSPL)’. A fresh certificate of incorporation consequent upon change of name by the Registrar of Companies, West Bengal on March 14, 2008, post which the Reserve Bank of India (RBI) granted a certificate of registration dated July, 28, 2009 reflecting the change of name. Subsequently, the RBI granted a fresh certificate of registration dated February 6, 2012 for registration as an NBFC under Section 45 IA of the Reserve Bank of India Act, 1934. The company was granted NBFC-Microfinance Institution (NBFC-MFI) status by the RBI with effect from September 5, 2013. Subsequently, pursuant to a resolution passed by the shareholders of company, the name of company was changed to ‘Grameen Koota Financial Services Private Limited’, and a fresh certificate of incorporation consequent upon change of name was issued by the RoC on November 13, 2014.

Further, a fresh certificate of registration consequent upon change of name was issued to company by the RBI on December 16, 2014. Subsequently, the company was converted into a public limited company pursuant to a special resolution passed by its Shareholders at the EGM held on November 27, 2017 and the name of company was changed to ‘Grameen Koota Financial Services Limited (GFSL)’. A fresh certificate of incorporation consequent upon conversion to a public limited company was issued by the RoC on December 18, 2017. Subsequently, pursuant to a resolution passed by the shareholders of company at the EGM held on January 2, 2018, the name of company was changed to ‘CreditAccess Grameen Limited’, and a fresh certificate of incorporation consequent upon change of name was issued by the RoC on January 12, 2018. Subsequently, the RBI granted a fresh certificate of registration dated January 19, 2018 as an NBFC under Section 45 IA of the Reserve Bank of India Act, 1934 under the name ‘CreditAccess Grameen Limited’.

The company provides loans primarily under the joint liability group (JLG) model. Its primary focus is to provide income generation loans to its customers. It also provides other categories of loans such as family welfare loans, home improvement loans and emergency loans to its existing customers. In 2016, with a view to diversifying its product profile, it introduced individual retail finance loans for customers who had been its customers for at least three years and fulfill certain other eligibility criteria linked primarily to their credit history with it, income, and business position. It offers these loans to customers to establish a new enterprise or expand an existing business in their individual capacity (for instance, for the purchase of inventories, machinery or two wheelers).

Business area of the company

CreditAccess Grameen is a leading Indian micro-finance institution headquartered in Bangalore, focused on providing micro-loans to women customers predominantly in Rural Areas in India. Its wide range of lending products addresses the critical needs of its customers throughout their life cycle and includes income generation, family welfare, home improvement and emergency loans. It focuses predominantly on customers in Rural Areas in India, who largely lack access to the formal banking sector and present a latent opportunity for offering micro-loans. Its products are built on a deep understanding of the requirements of its customers (especially customers from Rural Areas) and the flexibility of products (in terms of ticket sizes, end-uses and repayment options) and the manner of their delivery differentiates it from its competitors and generates customer loyalty.

Awards and Accreditations

2015: The company was awarded the Microfinance India Award - 2015 for Microfinance Organisation of the Year (large) by Access and HSBC.
2015: The company was awarded the Smart Campaign Client Protection Certification by the Smart Campaign.
2016: The company was awarded the COCA - 1 (Very High Level of Adherence) awarded by Smera Ratings Limited.
2017: The company was awarded the Skoch Award - Resilient India Award 2017 for Sanitation Loan by the Skoch Group.
2017: The company was awarded the ISC - FICCI Sanitation Award - Best Financial Accessibility for Sanitation by the FICCI.
2017: The company was rated as “ICRA A1” for Rs 200 Commercial Programme of company by ICRA Limited.
2018: The company was rated as “ICRA A” for Rs 2,013.27 crore credit limits by ICRA Limited.
2018: The company was rated as “ICRA A” for Rs 887 crore NCD Programme of company by ICRA Limited.
2018: ICRA Limited changed company's outlook rating from “stable” to “positive”.
2019: CreditAccess Grameen has been adjudged as the winner in the Best NBFC category at one of India's most prestigious financial sector awards - FE Best Banks awards 2017-18.
2019: Micro Finance Organization of the Year Award 2019.
2020: CNBC-AWAAZ CEO Awards 2019.

Major events and milestones

1991: The company was incorporated as Sanni Collection Private Limited.
1998: The company obtained NBFC registration.
2007: Acquired the microfinance business under the brand name “Grameen Koota” from TMT.
2008: Launched Mifos software in all branches.
2008: Commenced operations in Maharashtra.
2010: Raised Rs 576 million through securitization.
2011: Commenced integration with Credit Bureau for credit decisions.
2013: Granted NBFC - MFI license with effect from September 5, 2013.
2014: CAA acquired a majority stake in Company.
2015: Commenced operations in Madhya Pradesh and Chhattisgarh.
2015: Established seven regional processing centres across our Company’s operational geographies.
2015: Launched a core banking IT solution - T24.
2016: Introduced business loans facilities as part of the Retail Finance division of company.
2017: Grameen Koota partners with Artoo to develop digital lending model.
2017: Grameen Koota gets Rs 250 crore capital from CreditAccess Asia.
2018: Launched IPO.
2019: CreditAccess Grameen Strengthens Its Pan India Presence, Expands In Five New StatesView
2020: CreditAccess Grameen has completed the acquisition of 75.64% of equity share capital of Madura Micro Finance (MMFL) on March 18, 2020.

SEBI Registered: Investment Adviser - INA000013323 RIA Details

Warning: Investment in securities market are subject to market risks. Read all the related documents carefully before investing.

Disclaimer: Registration granted by SEBI, membership of BASL (in case of IAs) and certification from NISM in no way guarantee performance of the intermediary or provides any assurance of returns to investors.

Compliance Officer:

Name: Shrikant Jagtap

Email: shrikant.jagtap@moneyworks4me.com

Mobile No: +91 97638 00745

Grievance Officer:

Name: Mukta Vaze

Email: mukta.vaze@moneyworks4me.com

Mobile No:+91 98609 19463

Principal Officer:

Name: Atharva Bhide

Email: atharva.bhide@moneyworks4me.com

Mobile No:+91 91758 99463

SEBI regional/local office address-

Plot No. C 4-A , G Block, Near Bank of India, Bandra Kurla Complex, Bandra East, Mumbai, Maharashtra 400051

Address:

The Alchemists Ark Pvt. Ltd., B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045

Data provided by Accord Fintech Pvt. Ltd.

Please wait your portfolio is updating...

	Q4FY23	% Change YoY	Comments
Advances	21,031	26.7%
Net Interest Income (NII)	690	34.2%	NIM at 12.2%
Gross Non-Performing Asset (GNPA)	1.21%	-170 bps
Profit after tax (PAT)	296	86%

	FY22	FY21
Advances	15,466.3 Cr	11,011.2 Cr
Net Interest Income	1527.68 Cr	1755.40 Cr
PAT	357.10 Cr	131.40 Cr
Deposits	14,050.4 Cr	12,135.7 Cr
Branches	1,635	1,424

Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
Logo:
Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
Brand Logo:
SEBI Registration Number:	INA000013323 Validity - May 16, 2019 - Perpetual
BASL Membership ID:	BASL1187
Address	B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045
Compliance officer Details:	Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com Telephone: +919860359463 Address: Same as IA
Grievance Officer Details:	Name: Mukta Vaze Email: mukta.vaze@moneyworks4me.com Telephone: +91 98609 19463 Address: Same as IA
Principal Officer Details:	Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com Telephone: +91 91758 99463 Address: Same as IA
Standard Warning:	Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Disclaimer:	Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

CreditAccess Grameen Ltd - Stock Valuation and Financial Performance

CreditAccess Grameen Share Price

CreditAccess Grameen Ltd - Stock Valuation and Financial Performance

CreditAccess Grameen Share Price

DeciZen - make an informed investing decision on CreditAccess Grameen Share

1. Right Stock

2. Right Price

3. Right Time ⓘ

Overall Rating ⓘ

1. Quality

2. Valuation

3. Price Trend

CreditAccess Grameen stock performance -

Is CreditAccess Grameen Ltd an attractive stock to invest in?

1. Is CreditAccess Grameen Ltd a good quality company?

2. Is CreditAccess Grameen Ltd undervalued or overvalued?

3. Is CreditAccess Grameen Ltd a good buy now?

10 Year X-Ray of CreditAccess Grameen: Share

Analysis of Financial Track Record

CAGR ⓘ

Key Financial Ratios

Recent Performance Summary

Latest Financials - CreditAccess Grameen Ltd.

Management X-Ray of CreditAccess Grameen: Share

Shareholding Pattern

Promoter's Holding & Share Pledging