CREDITACCESS GRAMEEN LIMITED
CREDITACCESS GRAMEEN LIMITED operates in Microfinance Institutions, part of the Financial Services sector. It booked ₹1,904 cr of revenue in its latest quarter (Q2 FY27) and kept 26.3% of sales as profit. It is the largest of 5 Microfinance Institutions companies we track, by market value.
“OUR APPROACH TO figures from the past three years have In an industry where growth can test boundaries, discipline REPORTING been provided to highlight performance becomes differentiation.”
“to deliver Number of employees (including % of young workforce responsible finance.”
Healthier than 56% of companies in Financial Services, on the 5 of 6 measures we could read for it. Each measure is ranked against the 102–253 companies that reported it.
Measures financial condition, not whether to buy. Learn what this score means · How this is calculated
- RSI (14)
- 33
At close. Not part of the score.
How much profit it earns on the money it employs
Whether reported profit actually arrives as cash
Whether sales and profit have grown, and how steadily
What today's price implies, against our models or its peers
How much of the promoters' stake is pledged, and how much they hold · highest in its sector on what we could measure
Not measurable for this company: balance sheet. Those pillars are left out of the score rather than counted as zero.
What if I invest in CREDITACC?
Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.
The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.
P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-11-04.
An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.
| Revenue from Operations | ₹1,904 cr |
| Other Income | ₹1 cr |
| Total Income | ₹1,905 cr |
| Cost of Materials | ₹0 cr |
| Purchases of Stock-in-Trade | ₹0 cr |
| Employee Benefit Expense | ₹254 cr |
| Finance Costs | ₹553 cr |
| Depreciation & Amortisation | ₹17 cr |
| Other Expenses | ₹109 cr |
| Total Expenses | ₹1,234 cr |
| Profit before Tax | ₹671 cr |
| Tax Expense | ₹169 cr |
| Net Profit | ₹502 cr |
| Net margin on total income | 26.3% |
| Metric | Q4 FY26 | Q1 FY27 | Q2 FY27 |
|---|---|---|---|
| Revenue | 1,597 cr | 1,783 cr | 1,904 cr |
| Total income | 1,599 cr | 1,784 cr | 1,905 cr |
| Expenses | 1,154 cr | 1,124 cr | 1,234 cr |
| Profit before tax | 445 cr | 660 cr | 671 cr |
| Tax | 105 cr | 167 cr | 169 cr |
| Net profit (owners' share) | 340 cr | 493 cr | 502 cr |
| Net margin (owners' share, on revenue) | 21.3% | 27.7% | 26.3% |
| EPS (₹) | 21.20 | 30.79 | 31.27 |
| Company | Price | Market cap | P/E | ROE | Net margin | 1-yr return |
|---|---|---|---|---|---|---|
| CREDITACCESS GRAMEEN LIMITEDthis company | ₹1,059 | ₹16,996 cr | 8.5 | 22.5% | 26.3% | — |
| Satin Creditcare Network Limited | ₹242 | ₹2,669 cr | 3.8 | 22.2% | 19.0% | — |
| Muthoot Microfin Limited | ₹148 | ₹2,488 cr | 7.6 | 11.4% | 12.2% | — |
| Fusion Finance Limited | ₹144 | ₹2,330 cr | 6.7 | 13.2% | 17.8% | — |
| Spandana Sphoorty Financial Limited | ₹187 | ₹1,654 cr | 20.7 | 3.1% | 5.6% | — |
| Action | Detail | Ex-date |
|---|---|---|
| Dividend | ₹10 / share | 26 Jul 2024 |
A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.
Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.
Most Indian companies are controlled by a family or group — the promoters. The exchange requires them to be listed by name, including members who own no shares at all, and requires the company to disclose any business it does with them.
Names and holdings from the company’s shareholding pattern filed with the exchange; transactions from the related-party note in its annual report. Every figure is as filed — these are legal, disclosed dealings, and what to make of them is your call.