CreditAccess Grameen Ltd
NSE :CREDITACC BSE :541770 Sector : FinanceBuy, Sell or Hold CREDITACC? Ask The Analyst
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14 Nov 884.70 (-1.37%) | 13 Nov 897.00 (-1.85%) | 12 Nov 913.90 (-0.38%) | 11 Nov 917.35 (-0.34%) | 08 Nov 920.50 (-2.83%) | 07 Nov 947.35 (-0.19%) | 06 Nov 949.20 (2.41%) | 05 Nov 926.90 (-2.94%) | 04 Nov 955.00 (-4.26%) | 01 Nov 997.45 (1.58%) | 31 Oct 981.95 (-0.16%) | 30 Oct 983.50 (4.78%) | 29 Oct 938.65 (-1.96%) | 28 Oct 957.45 (-2.45%) | 25 Oct 981.50 (-0.23%) | 24 Oct 983.75 (-0.94%) | 23 Oct 993.10 (-0.70%) | 22 Oct 1000.10 (-1.40%) | 21 Oct 1014.35 (-1.14%) | 18 Oct 1026.00 (-2.04%) | 17 Oct 1047.35 (2.27%) |
Price Chart Historical Data Technical Chart
Technical Analysis
Short Term Investors
Very Bearish
Medium Term Investors
Very Bearish
Long Term Investors
Very Bearish
Moving Averages
5 DMA
Bearish
906.5
10 DMA
Bearish
930.84
20 DMA
Bearish
958.72
50 DMA
Bearish
1092.86
100 DMA
Bearish
1182.86
200 DMA
Bearish
1319.25
Intraday Support and Resistance
(Based on Pivot Points) |
Updated On Nov 14, 2024 04:00 PM For Next Trading Session
Pivots | Classic | Fibonacci | Camarilla | Woodie | DM |
---|---|---|---|---|---|
R3 | 926.46 | 912.23 | 892.4 | - | - |
R2 | 912.23 | 901.53 | 889.83 | 912.35 | - |
R1 | 898.46 | 894.93 | 887.27 | 898.7 | 905.35 |
P | 884.23 | 884.23 | 884.23 | 884.35 | 887.68 |
S1 | 870.46 | 873.53 | 882.13 | 870.7 | 877.35 |
S2 | 856.23 | 866.93 | 879.57 | 856.35 | - |
S3 | 842.46 | 856.23 | 877 | - | - |
Key Metrics
EPS
83.66
P/E
10.58
P/B
2.02
Dividend Yield
1.13%
Market Cap
14,108 Cr.
Face Value
10
Book Value
438.23
ROE
24.77%
EBITDA Growth
752.78 Cr.
Debt/Equity
3.27
Shareholding History
Quarterly Result (Figures in Rs. Crores)
CreditAccess Grameen Ltd Quaterly Results
Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | |
INCOME | 1247.59 | 1295.23 | 1459.1 | 1512.58 | 1453.92 |
PROFIT | 347.04 | 353.34 | 397.08 | 397.66 | 186.06 |
EPS | 21.82 | 22.2 | 24.93 | 24.95 | 11.67 |
CreditAccess Grameen Ltd Quaterly Results
Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | |
INCOME | 1247.59 | 1295.23 | 1459.1 | 1512.58 | 1453.92 |
PROFIT | 349.21 | 353.42 | 396.99 | 397.66 | 186.06 |
EPS | 21.95 | 22.21 | 24.93 | 24.95 | 11.67 |
Profit & Loss (Figures in Rs. Crores)
CreditAccess Grameen Ltd Profit & Loss
Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | ||
INCOME | 1283.32 | 1705.48 | 2466.07 | 2750.13 | 3550.79 | 5172.65 | |
PROFIT | 321.81 | 333.55 | 134.02 | 353.07 | 826.06 | 1445.93 | |
EPS | 22.41 | 23.3 | 8.45 | 22.65 | 51.98 | 90.72 |
CreditAccess Grameen Ltd Profit & Loss
Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | ||
INCOME | 281.43 | 466.72 | 709.26 | 871.53 | 1283.32 | 1684.36 | 2031.14 | 2750.06 | 3550.76 | 5172.65 | |
PROFIT | 48.73 | 83.24 | 80.3 | 212.48 | 321.81 | 327.5 | 142.39 | 353.08 | 826.03 | 1445.93 | |
EPS | 6.68 | 11.41 | 9.37 | 16.54 | 22.41 | 22.74 | 9.15 | 22.65 | 51.98 | 90.72 |
Balance Sheet (Figures in Rs. Crores)
Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | |
SOURCES OF FUNDS : | ||||||
Share Capital | 159.38 | 158.91 | 155.87 | 155.58 | 143.99 | 143.55 |
Reserves Total | 6,410.6 | 4,948.06 | 4,011.04 | 3,535.97 | 2,590.23 | 2,221.51 |
Total Shareholders Funds | 6,569.98 | 5,106.97 | 4,166.91 | 3,691.55 | 2,734.22 | 2,365.06 |
Minority Interest | 0 | 0 | 0 | 104.83 | 108.95 | 0 |
Secured Loans | 21,665.49 | 16,009.67 | 12,710.17 | 10,642.89 | 9,355.67 | 4,829.5 |
Unsecured Loans | 175.52 | 302.59 | 210.52 | 298.44 | 184 | 37.07 |
Total Loan Funds | 21,841.01 | 16,312.26 | 12,920.69 | 10,941.33 | 9,539.67 | 4,866.57 |
Total Liabilities | 28,410.99 | 21,419.23 | 17,087.6 | 14,737.71 | 12,382.84 | 7,231.63 |
APPLICATION OF FUNDS : | ||||||
Loan / Non-Current Assets | 25,104.99 | 19,043.34 | 14,765.33 | 11,720.48 | 11,098.91 | 6,602.83 |
Gross Block | 826.13 | 777.53 | 759.57 | 658.44 | 619.59 | 47.97 |
Less: Accumulated Depreciation | 217.05 | 178.5 | 130.68 | 85.67 | 43.09 | 23.22 |
Net Block | 609.08 | 599.03 | 628.89 | 572.77 | 576.5 | 24.75 |
Capital Work in Progress | 4.54 | 3.94 | 3.07 | 0.62 | 2.84 | 2.36 |
Investments | 1,438.9 | 454.52 | 0.54 | 0.54 | 45.56 | 0.2 |
Cash and Bank Balance | 1,313.91 | 1,436.43 | 1,761.39 | 2,484.38 | 717.64 | 615.55 |
Loans and Advances | 237.82 | 239.91 | 167.34 | 177.35 | 91.32 | 68.31 |
Total Current Assets | 1,551.73 | 1,676.34 | 1,928.73 | 2,661.73 | 808.96 | 683.86 |
Current Liabilities | 387.71 | 401.68 | 361.64 | 296 | 187.06 | 113.63 |
Provisions | 47.46 | 37.19 | 32.71 | 26.52 | 20.31 | 11.88 |
Total Current Liabilities & Provisions | 435.17 | 438.87 | 394.35 | 322.52 | 207.37 | 125.51 |
Net Current Assets | 1,116.56 | 1,237.47 | 1,534.38 | 2,339.21 | 601.59 | 558.35 |
Deferred Tax Assets | 157.76 | 112.48 | 180.27 | 166.06 | 96.5 | 43.14 |
Deferred Tax Liability | 20.84 | 31.55 | 24.88 | 61.97 | 39.06 | 0 |
Net Deferred Tax | 136.92 | 80.93 | 155.39 | 104.09 | 57.44 | 43.14 |
Total Assets | 28,410.99 | 21,419.23 | 17,087.6 | 14,737.71 | 12,382.84 | 7,231.63 |
Contingent Liabilities | 4.24 | 0.25 | 0.35 | 0.36 | 0.37 | 0 |
Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | |
SOURCES OF FUNDS : | ||||||||||
Share Capital | 159.38 | 158.91 | 155.87 | 155.58 | 143.99 | 143.55 | 128.43 | 85.68 | 72.95 | 72.95 |
Reserves Total | 6,410.57 | 4,948.03 | 4,011.04 | 3,479.23 | 2,525.09 | 2,221.51 | 1,309.05 | 605.12 | 386.92 | 303.44 |
Total Shareholders Funds | 6,569.95 | 5,106.94 | 4,166.91 | 3,634.81 | 2,669.08 | 2,365.06 | 1,437.48 | 690.8 | 459.87 | 376.39 |
Secured Loans | 21,665.49 | 16,009.67 | 12,710.17 | 8,755.72 | 7,797.56 | 4,829.5 | 3,517.68 | 2,365.09 | 2,120.17 | 1,268.63 |
Unsecured Loans | 175.52 | 302.59 | 210.52 | 25 | 25 | 37.07 | 105.78 | 303.15 | 113.15 | 21.9 |
Total Loan Funds | 21,841.01 | 16,312.26 | 12,920.69 | 8,780.72 | 7,822.56 | 4,866.57 | 3,623.46 | 2,668.24 | 2,233.32 | 1,290.53 |
Other Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 11.02 | 30.72 | 10.75 | 2.98 |
Total Liabilities | 28,410.96 | 21,419.2 | 17,087.6 | 12,415.53 | 10,491.64 | 7,231.63 | 5,071.96 | 3,389.76 | 2,703.94 | 1,669.9 |
APPLICATION OF FUNDS : | ||||||||||
Loan / Non-Current Assets | 25,104.99 | 19,043.34 | 14,765.33 | 9,717.82 | 9,172.64 | 6,602.83 | 4,895.53 | 631.75 | 0 | 0 |
Gross Block | 826.11 | 777.51 | 759.54 | 165.57 | 128.98 | 47.97 | 32.34 | 23.37 | 18.47 | 8.61 |
Less: Accumulated Depreciation | 217.05 | 178.5 | 130.67 | 64.81 | 42.36 | 23.22 | 16.18 | 11.11 | 7.14 | 4.89 |
Net Block | 609.06 | 599.01 | 628.87 | 100.76 | 86.62 | 24.75 | 16.16 | 12.26 | 11.33 | 3.72 |
Capital Work in Progress | 4.54 | 3.94 | 3.07 | 0.62 | 2.84 | 2.36 | 1.06 | 3.03 | 0 | 2.49 |
Investments | 1,438.91 | 454.53 | 0.55 | 662.93 | 661.44 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 |
Cash and Bank Balance | 1,313.77 | 1,436.41 | 1,761.35 | 1,945.97 | 580.44 | 615.55 | 143.06 | 363.69 | 254.92 | 279.77 |
Loans and Advances | 237.82 | 239.9 | 167.16 | 153.68 | 73.41 | 68.31 | 22.86 | 2,486.83 | 1,720.03 | 1,090.64 |
Total Current Assets | 1,551.59 | 1,676.31 | 1,928.51 | 2,099.65 | 653.85 | 683.86 | 165.92 | 2,850.52 | 1,974.94 | 1,370.41 |
Current Liabilities | 387.62 | 401.69 | 361.42 | 261.58 | 154 | 113.63 | 35.08 | 57.06 | 83.29 | 44.85 |
Provisions | 47.43 | 37.17 | 32.7 | 19.68 | 16.02 | 11.88 | 6.53 | 117.25 | 20.74 | 12.05 |
Total Current Liabilities & Provisions | 435.05 | 438.86 | 394.12 | 281.26 | 170.02 | 125.51 | 41.61 | 174.32 | 104.03 | 56.9 |
Net Current Assets | 1,116.54 | 1,237.45 | 1,534.39 | 1,818.39 | 483.83 | 558.35 | 124.31 | 2,676.2 | 1,870.91 | 1,313.52 |
Deferred Tax Assets | 157.76 | 112.48 | 180.27 | 137.49 | 84.27 | 43.14 | 30 | 48.49 | 11.03 | 5.95 |
Deferred Tax Liability | 20.84 | 31.55 | 24.88 | 22.48 | 0 | 0 | 0 | 0 | 0 | 0 |
Net Deferred Tax | 136.92 | 80.93 | 155.39 | 115.01 | 84.27 | 43.14 | 30 | 48.49 | 11.03 | 5.95 |
Other Assets | 0 | 0 | 0 | 0 | 0 | 0 | 4.7 | 17.83 | 810.47 | 344.03 |
Total Assets | 28,410.96 | 21,419.2 | 17,087.6 | 12,415.53 | 10,491.64 | 7,231.63 | 5,071.96 | 3,389.76 | 2,703.95 | 1,669.91 |
Contingent Liabilities | 4.24 | 0.25 | 0.35 | 0.11 | 0.12 | 0.16 | 0.23 | 0.25 | 8.48 | 17.42 |
Cash Flow (Figures in Rs. Crores)
Net Profit before Tax and Extr... | 1,939.18 |
Depreciation | 51.15 |
Interest (Net) | -52.2 |
Prov. and W/O (Net) | 452.38 |
Total Adjustments (PBT and Ext... | 341.59 |
Operating Profit before Workin... | 2,280.77 |
Trade Payables | -47.35 |
Loans and Advances | -6,536.31 |
Total Adjustments (OP before W... | -6,453.62 |
Cash Generated from/(used in) ... | -4,172.85 |
Direct Taxes Paid | -560.93 |
Total Adjustments(Cash Generat... | -560.93 |
Cash Flow before Extraordinary... | -4,733.78 |
Net Cash from Operating Activi... | -4,733.78 |
Purchased of Fixed Assets | -20.31 |
Sale of Fixed Assets | 0.02 |
Purchase of Investments | -12,801.18 |
Sale of Investments | 11,898 |
Net Cash used in Investing Act... | -994.2 |
Proceeds from Issue of shares ... | 15.06 |
Proceed from Issue of Debentur... | 386.08 |
Proceed from 0ther Long Term B... | 5,169.45 |
Of the Long Tem Borrowings | -52.76 |
Of Financial Liabilities | -23.97 |
Net Cash used in Financing Act... | 5,493.86 |
Net Profit before Tax and Extr... | 1,939.18 |
Depreciation | 51.15 |
Interest (Net) | -52.2 |
Prov. and W/O (Net) | 452.38 |
Total Adjustments (PBT and Ext... | 341.59 |
Operating Profit before Workin... | 2,280.77 |
Trade Payables | -47.35 |
Loans and Advances | -6,536.31 |
Total Adjustments (OP before W... | -6,453.72 |
Cash Generated from/(used in) ... | -4,172.95 |
Direct Taxes Paid | -560.94 |
Total Adjustments(Cash Generat... | -560.94 |
Cash Flow before Extraordinary... | -4,733.89 |
Net Cash from Operating Activi... | -4,733.89 |
Purchased of Fixed Assets | -20.31 |
Sale of Fixed Assets | 0.02 |
Purchase of Investments | -12,801.18 |
Sale of Investments | 11,898 |
Net Cash used in Investing Act... | -994.2 |
Proceeds from Issue of shares ... | 15.06 |
Proceed from Issue of Debentur... | 386.08 |
Proceed from 0ther Long Term B... | 5,169.45 |
Of the Long Tem Borrowings | -52.76 |
Of Financial Liabilities | -23.97 |
Net Cash used in Financing Act... | 5,493.86 |
Company Details
Registered Office |
|
Address | New No 49 (O No 725) 46th Cros, 8th Block Jayanagar |
City | Bangalore |
State | Karnataka |
Pin Code | 560071 |
Tel. No. | 91-80-22637300 |
Fax. No. | 91-80-26643433 |
cs@cagrameen.in | |
Internet | http://www.creditaccessgrameen.in |
Registrars |
|
Address | New No 49 (O No 725) 46th Cros |
City | Bangalore |
State | Karnataka |
Pin Code | 560071 |
Tel. No. | 91-80-22637300 |
Fax. No. | 91-80-26643433 |
cs@cagrameen.in | |
Internet | http://www.creditaccessgrameen.in |
Management |
|
Name | Designation |
George Joseph | Chairman & Independent Directo |
SUMIT KUMAR | Non Executive Director |
Massimo Vita | Non Executive Director |
Paolo Brichetti | Vice Chairman |
Jessie Paul | Independent Director |
Manoj Kumar | Independent Director |
Rekha Warriar | Independent Director |
Udaya Kumar Hebbar | Managing Director & CEO |