NSE CREDITACC · BSE 541770 · Consumer Financial Services · NIFTY 500

CreditAccess Grameen Share Price

Market closed · NSE price as of Thu 24 Sep, 9:47 AM IST
₹1,316.40 ▼ −₹35.14 · 2.60%
Day range · 24 Sep
₹1,313.35Low₹1,348.50High
52-week range
₹1,112.90Low · 23 Mar 2026₹1,634.40High · 31 Jul 2026

CreditAccess Grameen Overview

Where the price stands, how it has moved and how it sits against its averages.

CreditAccess Grameen shares last traded at ₹1,316.40 on the NSE, down 2.60% on the day. That is 19.5% below the 52-week high of ₹1,634.40 and 18.3% above the 52-week low of ₹1,112.90. The stock trades at 17.46× earnings, below the sector average of 23.98. Its market value is ₹21,137 Cr.

Price returns

1 Day▼ −2.60%
1 Week0.00%
This month▼ −1.02%
3 Months▼ −7.58%
6 Months▲ +15.17%
This year▲ +5.97%
1 Year▼ −0.58%

Against the market: 1 Month ▼ −2.98% · 3 Months ▼ −4.91% · 6 Months ▲ +15.86% · This year ▲ +20.68% · 1 Year ▲ +9.08%

Shading grows with the size of the move. We ask our data provider for a newer price every 15 minutes while the market is open (9:15 AM–3:30 PM IST); next check from Fri 16 Oct, 9:15 AM. Its quotes are not real-time — the time at the top shows how current the price is.

Moving averages — price is above 0 of 6

  1. 50-day average₹1,480.46 ▼ price 11.1% below
  2. 100-day average₹1,435.14 ▼ price 8.3% below
  3. 20-day average₹1,405.87 ▼ price 6.4% below
  4. 10-day average₹1,397.61 ▼ price 5.8% below
  5. 5-day average₹1,385.16 ▼ price 5.0% below
  6. 300-day average₹1,349.67 ▼ price 2.5% below
  7. Today's price₹1,316.40

Each average is the mean closing price over that many trading days; averages above the current price sit higher on the ladder.

CreditAccess Grameen Financial Results

Revenue and net profit in ₹ crore, with the full statements underneath.

Revenue₹ crore
6,010
Net profit₹ crore · losses below zero
1,446
778

Year by year

Fiscal yearRevenueGrowthNet profitNet marginEPSDividend
FY 2026 ₹6,010 Cr ▲ +5.0% ₹778 Cr 12.9% ₹48.44 —
FY 2025 ₹5,723 Cr ▲ +11.8% ₹531 Cr 9.3% ₹33.24 ₹0.00
FY 2024 ₹5,119 Cr ▲ +46.8% ₹1,446 Cr 28.2% ₹90.41 ₹10.00
FY 2023 ₹3,487 Cr ▲ +30.7% ₹826 Cr 23.7% ₹51.82 —
FY 2022 ₹2,669 Cr ▲ +8.4% ₹353 Cr 13.2% ₹22.20 —
FY 2021 ₹2,461 Cr ▲ +49.8% ₹134 Cr 5.4% ₹8.90 —
FY 2020 ₹1,643 Cr — ₹334 Cr 20.3% ₹23.00 —

Balance sheet — FY26

Owes (liabilities)Shareholders' equity
75%
25%
  • Total assets₹31,930 Cr
  • Total liabilities₹24,088 Cr
  • Shareholders' equity₹7,842 Cr
  • Total debt₹23,750 Cr
  • Cash & investments₹1,152 Cr
  • Revenue growth, 5 yr19.55% a year
  • EPS growth, 5 yr40.33% a year
  • Operating margin (TTM)56.18%
  • Net margin (TTM)19.29%

Cash flow — FY26

Operating activities
▼ −₹2,770 Cr
Investing activities
▼ −₹101 Cr
Financing activities
▲ ₹2,751 Cr
Free cash flow
▼ −₹2,788 Cr
Net change in cash
▼ −₹120 Cr

Right of the line = cash coming in, left = cash going out. Free cash flow = cash from operations minus capital spending.

Full financial statements, FY20–FY26
₹ croreFY20FY21FY22FY23FY24FY25FY26
Total revenue1,642.582,460.742,668.673,487.035,118.985,723.316,010.03
Cost of revenue—3.012.961.803.901.103.20
Gross profit—2,457.732,665.713,485.235,115.085,722.216,006.83
Operating expenses658.521,356.951,211.051,174.401,453.343,070.693,081.37
Operating income984.061,103.791,457.622,312.633,665.642,652.622,928.66
Depreciation20.3944.0747.2349.8451.1562.2263.08
Profit before tax461.60180.40480.791,105.421,939.18708.871,033.20
Tax126.1149.00127.72279.36493.25177.47255.56
Net profit333.55134.02353.07826.061,445.93531.40777.64
EPS (₹)23.008.9022.2051.8290.4133.2448.44
Dividend per share (₹)————10.000.00—

CreditAccess Grameen vs Peers

Side by side with other consumer financial services companies. The small bars compare each column.

CompanyPriceChangeMarket capP/EP/BROE (5 yr)Net marginDiv. yield
CreditAccess Grameen This stock ₹1,316.40 ▼ −2.60% ₹21,137 Cr 17.46 2.69 13.72% 19.29% 0.00%
Bajaj Finance ₹982.90 ▼ −5.49% ₹6,11,949 Cr 25.01 5.76 19.79% 23.72% 0.51%
Shriram Finance ₹990.50 ▼ −1.64% ₹2,33,063 Cr 13.87 2.95 16.15% 20.94% 1.04%
Jio Financial Services ₹227.20 ▼ −1.94% ₹1,50,023 Cr 95.47 1.15 1.11% 49.84% 0.21%
Tata Capital ₹334.55 ▼ −4.43% ₹1,42,033 Cr 20.47 3.26 14.39% 15.95% 0.16%
Power Finance Corporation ₹339.30 ▼ −2.13% ₹1,11,972 Cr 5.42 1.01 20.90% 29.13% 4.58%

Peer prices and ratios as last reported by the data provider. Company names link to their own pages.

Shareholding Pattern

Who owns CreditAccess Grameen shares, quarter by quarter (latest on top).

PromoterFIIMFOther
Jun '26
66.2%
13.5%
10.2%
10.1%
Mar '26
Dec '25
Sep '25
HolderSep '25Dec '25Mar '26Jun '26Change
Promoter66.37%66.28%66.24%66.21% ▼ −0.03 pts
FII12.29%11.68%12.94%13.48% ▲ +0.54 pts
MF10.97%10.65%9.95%10.20% ▲ +0.25 pts
Other10.37%11.39%10.87%10.11% ▼ −0.76 pts

CreditAccess Grameen Key Metrics

Each ratio placed against a benchmark — the sector average, the company's own 5-year average, or a common rule of thumb.

CreditAccess GrameenBenchmarkRule-of-thumb bands

Valuation The price against earnings, book value and sales

P/E (TTM)Price ÷ yearly earnings per share
17.46
▼ 27% below the sector average of 23.98
P/E, 12-month rangeLow 12.41 · high 162.89
3%
Today's P/E sits 3% of the way from its low to its high
P/BPrice ÷ book value per share
2.69
P/SMarket cap ÷ last 12 months' revenue
3.37
P/CFPrice ÷ cash flow per share
16.99

Profitability Of every ₹100 of sales, how much is kept?

Gross marginKept after the cost of goods
99.96%
▲ above its 5-yr average of 99.94%
Operating marginKept after running costs
56.18%
▼ below its 5-yr average of 56.58%
Pre-tax marginKept before tax
25.69%
▲ above its 5-yr average of 22.89%
Net marginKept as profit
19.29%
▲ above its 5-yr average of 17.10%

Returns & efficiency How well does it use its money?

Return on equityProfit on shareholders' money
10.51%
▼ below its 5-yr average of 13.72%
Return on assetsProfit on everything it owns
2.60%
▼ below its 5-yr average of 3.29%
Return on investmentProfit on long-term capital
4.33%
▲ above its 5-yr average of 4.30%
Return on capital employedProfit before interest and tax on equity + debt
3.51%

Growth Is the business getting bigger?

Revenue — last 12 months
+11.5%
▲ growing
Revenue — 3 yr, a year
+19.9%
▲ growing
Revenue — 5 yr, a year
+19.6%
▲ growing
Net profit — 3 yr, a year
−2.0%
▼ shrinking
Net profit — 5 yr, a year
+42.1%
▲ growing (off the scale)
EPS — last 12 months
+522.9%
▲ growing (off the scale)
EPS — 3 yr, a year
−2.2%
▼ shrinking
EPS — 5 yr, a year
+40.3%
▲ growing (off the scale)
Book value — 5 yr, a year
+14.4%
▲ growing

Financial strength Can it pay its bills and debts?

Debt to equityBorrowings for every ₹1 of shareholders' money — a lender's loans are funded this way
3.03×
• Normal for a lender
Interest coverProfit before interest and tax ÷ interest on its borrowings
323.88×
✓ Strong
Payout ratioShare of profit paid as dividend
0.00%
• Keeps most

Per share What each share stands for

EPS (TTM)
₹75.29
Book value
₹489.53
Cash flow
₹79.29
Dividend
₹0.00
Revenue
₹390.31

The share price is 2.69× the book value behind each share.

Benchmarks: sector averages and 5-year averages come from the data provider; the debt and liquidity bands are common rules of thumb, not investment advice.

All 100 metrics from the data provider

Valuation

P/E excluding extraordinary items, most recent fiscal year27.86
Current Dividend Yield - Common Stock Primary Issue, LTM0.00
Price to Book - most recent fiscal year2.76
P/E Basic excluding extraordinary items - TTM19.70
P/E including extraordinary items - TTM17.93
P/E excluding extraordinary items low, trailing 12 months12.41
Price to Tangible Book - most fiscal year2.93
Price to sales - most recent fiscal year3.60
Price to Cash Flow per share - trailing 12 month16.99
P/E Normalized, most recent fiscal year10.25
P/E excluding extraordinary items high, trailing 12 months162.89
P/E excluding extraordinary items, most recent fiscal year quarter17.93
Price to sales - trailing 12 month3.45
Net Debt, LFY2,25,984.00

Per share

Cash Flow per share - trailing 12 month79.29
Cash Flow per share - most recent fiscal year52.37
EPS including extraordinary items - trailing 12 month75.29
EPS including extraordinary items - most recent fiscal year48.44
EBITD per share - trailing 12 month311.31
Revenue/share - trailing 12 month390.31
EPS excluding extraordinary items - trailing 12 month75.29
EPS Basic excluding extraordinary items - most recent fiscal year48.63
EPS Basic excluding extraordinary items - trailing 12 month75.62
Book value per share - most recent fiscal year489.54
Revenue/share - most recent fiscal year374.37
EPS Normalized - most recent fiscal year131.68
Book value (tangible) per share - most recent fiscal year461.05
Dividends per share - trailing 12 month0.00
EPS excluding extraordinary items - most recent fiscal year48.44
Cash per share - most recent fiscal year71.89

Margins

Operating margin - trailing 12 month56.18
Gross Margin - 5 year average99.94
Operating margin - 1st historical fiscal year48.73
Operating Margin - 5 year average56.58
Net Profit Margin % - 1st historical fiscal year12.94
Gross Margin - 1st historical fiscal year99.95
Net Profit Margin % - trailing 12 month19.29
Net Profit Margin - 5 year average17.10
Pretax Margin - 5 year average22.89
Pretax margin - 1st historical fiscal year17.19
Pretax margin - trailing 12 month25.69
Free Operating Cash Flow/Revenue, 5 Year Average−55.02
Gross Margin - trailing 12 month99.96

Growth

EPS Change %, TTM over TTM522.85
Revenue growth rate, 5 year19.55
EPS growth rate, 5 year40.33
Revenue Change % - most recent quarter 1 year ago20.98
Growth rate% - EPS, 3 year−2.22
Revenue/share (5 yr growth)18.03
Tangible Book Value, Total Equity, 5 Year CAGR17.12
Earnings Before Interest, Taxes, Depreciation & Amortization, 5 Year Interim CAGR23.20
Capital Spending growth rate, 5 year3.87
Revenue Change %, TTM over TTM11.52
Growth rate% - Revenue, 3 year19.90
Book value per share growth rate, 5 year14.38
EPS Change % - most recent quarter 1 year ago715.16
Net Profit Margin growth rate, 5 year19.36
Earnings Before Interest, Taxes, Depreciation & Amortization, 5 Year CAGR19.96
Total Debt, 5 Year CAGR16.61

Financial strength

Net Interest coverage - most recent fiscal year2.48
Free Cash Flow - most recent fiscal year−27,878.10
LT debt/equity - most recent fiscal year1.38
Payout ratio - trailing 12 month0.00
Current EV/Free Cash Flow, LFY53.77
Total debt/total equity - most recent fiscal year3.03
Net Interest coverage - trailing 12 month2.58
Payout ratio - most recent fiscal year0.00

Returns & efficiency

Return on average equity - 5 year average13.72
Net Income/employee - trailing 12 month5,51,861.80
Revenue/employee - most recent fiscal year28,01,161.00
Return on investment - most recent fiscal year4.33
Return on average assets - most recent fiscal year2.60
Revenue/employee - trailing 12 month28,60,248.00
Return on average assets - 5 year average3.29
Net Income/employee - most recent fiscal year3,62,443.20
Asset turnover - most recent fiscal year0.20
Return on average equity - most recent fiscal year10.51
Return on investment - 5 year average4.30

Price & volume

Market Cap21,173.66
52 week Low Date23 Mar 2026
Price - 1 Day % Change−0.61
Relative (S&P500) price percent change - 13 week−4.91
Avg trading volume last 10 days0.14
Price - 13 week price percent change−7.58
Price - 52 week price percent change−0.58
Avg Trading Volume Last 3 months6.87
Price - 5 Day % Change−4.72
Price % Change Month To Date−1.02
Relative (S&P500) price percent change - 04 week−2.98
52 week High Date31 Jul 2026
Price - 26 week price percent change15.17
PDATE23 Sep 2026
Price - YTD price percent change5.97
Relative (S&P500) price percent change - 52 week9.08
NPRICE1,349.60
Relative (S&P500) price percent change - 26 week15.86
52 week Low1,113.00
52 week High1,634.00
Beta0.70
Relative (S&P500) price percent change - Year to Date20.68

Dividends & Corporate Events

Payouts to shareholders, splits and bonus issues, and company meetings — newest first.

Dividend per share₹ per share, by fiscal year
₹10.00
₹0.00
  • Dividend yield0.00%
  • Payout ratio0.00%
  • Latest dividend₹10.00 per share · 26 Jul 2024

Corporate calendar

  • BoardQuarterly Results
  • MeetingAnnual General Meeting
  • BoardAudited Results
  • BoardQuarterly Results & Others
  • BoardQuarterly Results
  • MeetingAnnual General Meeting
  • BoardQuarterly Results & Others
  • BoardAudited Results, Fund Raising & Others
Show 7 older events
  • BoardQuarterly Results & Others
  • BoardQuarterly Results
  • MeetingAnnual General Meeting
  • Dividend₹10.00 per share · 100% · Final dividend
  • MeetingAnnual General Meeting
  • MeetingPostal Ballot
  • MeetingCOM

About CreditAccess Grameen

Consumer Financial Services

CreditAccess Grameen Limited is a microfinance company which offers women entrepreneurs loans for various needs such as income generation, medical expenses, and education. It is also focused on lending to members. It has a presence in approximately 16 states and one union territory of India, through 2,063 branches across 423 districts. Its products include Microfinance-Group Lending, which offers Emergency Loan, Family Welfare Loans, Home Improvement Loan, and Income Generation Loan; Retail Finance, which offers Grameen Vikas Loan, Grameen Two-Wheeler Loan, Grameen Housing Loan, and Unnati Loan; Digital lending, which includes Grameen MAHI, Pragathi Digital Loan, and Multi-Purpose Digital Loan, and Distributor products, which include Life Insurance, national pension scheme (NPS)- Swavalamban, and Grameen Suraksha. Its Grameen MAHI is a customer application. Its Pragathi Digital Loan is offered to women to support their business, working capital requirements, medical and family needs.

Key people

  • Ganesh NarayananChief Executive Officer, Managing Director, Director
  • Nilesh Shrikrishna DalviChief Financial Officer
  • Gururaj Kumar K. S. RaoChief Operating Officer
  • Sudesh Dinesh PuthranChief Technology Officer
  • Ravi RathinamChief Information Security Officer
  • Deepti RamaniCompliance Officer, Company Secretary

Company facts

  • NSE symbolCREDITACC
  • BSE code541770
  • ISININE741K01010
  • IndustryConsumer Financial Services
  • IndexNIFTY 500
  • Market cap₹21,137 Cr
  • Revenue (FY26)₹6,010 Cr
  • Net profit (FY26)₹778 Cr

In the News

Recent headlines about CreditAccess Grameen — they open on Mint in a new tab.

Stock data comes from the exchange feed via our data provider. It is not real-time and can be delayed, so check the price with your broker before you trade. This page is for information and education only. It is not investment advice, research or a recommendation to buy, sell or hold any security. Investments in the securities market are subject to market risks; read all related documents carefully before investing. See all stocks →

Frequently Asked Questions

CreditAccess Grameen (NSE: CREDITACC) last traded at ₹1,316.40 on the NSE, down 2.60% (₹35.14) on the day, as of 24 Sep 2026, 9:47 AM IST. On the BSE it was ₹1,314.60. The day's range was ₹1,313.35 – ₹1,348.50.

CreditAccess Grameen's 52-week high is ₹1,634.40 (31 Jul 2026) and its 52-week low is ₹1,112.90 (23 Mar 2026). At ₹1,316.40 the share is 19.5% below its high and 18.3% above its low.

CreditAccess Grameen's market capitalisation is ₹21,137 Cr (₹21,137 Cr). It is part of the NIFTY 500 index.

CreditAccess Grameen's P/E ratio (trailing 12 months) is 17.46. The sector average is 23.98, so investors pay 27% less for each rupee of its earnings than for the average company in its sector. Its earnings per share (TTM) are ₹75.29.

CreditAccess Grameen shares are down 0.58% over the last year, up 5.97% so far this year, up 15.17% over 6 months, down 7.58% over 3 months. Over the last year the stock did 9.08% better than the market.

In FY26 (year to Mar 2026), CreditAccess Grameen reported revenue of ₹6,010 Cr (up 5.01% on the year before) and a net profit of ₹778 Cr. Earnings per share were ₹48.44.

Yes. CreditAccess Grameen's latest dividend is ₹10.00 per share (100%, final dividend), with an ex-date of 26 Jul 2024. The dividend yield is 0.00%.

As of Jun 2026: Promoter 66.21%, FII 13.48%, MF 10.20%, Other 10.11%. Promoter holding fell by 0.03 percentage points from Mar 2026.

CreditAccess Grameen's listed peers in Consumer Financial Services include Bajaj Finance, Shriram Finance, Jio Financial Services, Tata Capital, Power Finance Corporation. By market capitalisation it ranks #6 of 6 in this group.

No. CreditAccess Grameen has debt — its debt-to-equity ratio is 3.03 and total debt was ₹23,750 Cr in FY26. As a lender it borrows to fund its loans, so debt is part of its business; its profit before interest and tax covers the interest on those borrowings 323.88 times.