What the business is, and whether it's a good one at a fair price.
Lends small-ticket credit to rural and semi-urban women borrowers through group loans under its microfinance business, and is also building retail finance products (such as two-wheeler loans) for graduated customers. Operates 2,276 branches and runs an AUM of INR 30,319 Cr as of Q1 FY27, with disbursements of INR 6,107 Cr in Q1 FY27 and ₹24,859 Cr across FY26. Earnings come mainly from interest on its loan book: net interest margin was 14.4% in Q1 FY27 against a cost of borrowings of 9.2%, and the loan book is funded largely through secured NCDs and bank lines. Employee expense is the largest operating cost at 14.5% of revenue, with other opex at 6.8%. Asset quality has normalised after the recent MFI credit cycle, with GNPA at 2.18% and PAR 90 at 1.46%. Under Project Shakti, the company targets INR 50,000 Cr AUM by CY2028, with retail finance rising to ~24-25% of AUM by FY27 end (from 20.6% in Q1 FY27).
Measured from the filed financials, judged against its Finance peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
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Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Who owns it — and is the promoter stake clean?
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Answered from CREDITACCESS GRAMEEN LTD's filed financials and exchange disclosures
CREDITACCESS GRAMEEN LTD is a Finance company listed on NSE and BSE, trading under the symbol CREDITACC.
Yes. Over the trailing twelve months CREDITACCESS GRAMEEN LTD reported a net profit of ₹1,211 Cr on revenue of ₹6,380 Cr.
Not in the latest reported year — CREDITACCESS GRAMEEN LTD's dividend payout for FY26 was nil.
Effectively yes. It holds ₹1,152 Cr more cash than debt. Debt stands at 0.00× equity.
On trailing P/E, CREDITACCESS GRAMEEN LTD ranks 213 of 403 in Finance — cheaper than 47% of them, against an industry median of 17.6×. This is a position, not a valuation judgement.
On a typical session CREDITACCESS GRAMEEN LTD moves 1.19% — that is the median absolute close-to-close move across its last 268 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by CREDITACCESS GRAMEEN LTD appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
