CreditAccess Grameen Ltd
NSE :CREDITACC BSE :541770 Sector : FinanceBuy, Sell or Hold CREDITACC? Ask The Analyst
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26 Mar 921.55 (-4.70%) | 25 Mar 966.95 (-2.90%) | 24 Mar 995.85 (-1.35%) | 21 Mar 1009.50 (3.91%) | 20 Mar 971.55 (2.94%) | 19 Mar 943.80 (0.97%) | 18 Mar 934.70 (1.65%) | 17 Mar 919.55 (-0.40%) | 13 Mar 923.25 (-0.23%) | 12 Mar 925.40 (-0.47%) | 11 Mar 929.75 (-0.75%) | 10 Mar 936.75 (-2.90%) | 07 Mar 964.75 (-2.06%) | 06 Mar 985.00 (7.04%) | 05 Mar 920.25 (1.96%) | 04 Mar 902.55 (0.60%) | 03 Mar 897.15 (-2.39%) | 28 Feb 919.10 (-5.39%) | 27 Feb 971.45 (12.12%) | 25 Feb 866.45 (1.52%) | 24 Feb 853.50 (-1.48%) |
Technical Analysis
Short Term Investors

Neutral
Medium Term Investors

Very Bearish
Long Term Investors

Very Bearish
Moving Averages
5 DMA
Bearish
973.57
10 DMA
Bearish
951.3
20 DMA
Bearish
940.14
50 DMA
Bearish
964.39
100 DMA
Bearish
937.82
200 DMA
Bearish
1087.62
Intraday Support and Resistance
(Based on Pivot Points) undefined |
Updated On Mar 26, 2025 04:00 PM For Next Trading Session
Pivots | Classic | Fibonacci | Camarilla | Woodie | DM |
---|---|---|---|---|---|
R3 | 1015.61 | 994.98 | 937.32 | - | - |
R2 | 994.98 | 973.07 | 932.06 | 990.96 | - |
R1 | 958.26 | 959.54 | 926.81 | 950.22 | 976.63 |
P | 937.63 | 937.63 | 937.63 | 933.61 | 946.81 |
S1 | 900.91 | 915.72 | 916.29 | 892.87 | 919.28 |
S2 | 880.28 | 902.19 | 911.04 | 876.26 | - |
S3 | 843.56 | 880.28 | 905.78 | - | - |
Key Metrics
EPS
55.21
P/E
16.69
P/B
2.1
Dividend Yield
1.08%
Market Cap
14,709 Cr.
Face Value
10
Book Value
437.86
ROE
24.77%
EBITDA Growth
360.47 Cr.
Debt/Equity
3.27
Shareholding History
Quarterly Result (Figures in Rs. Crores)
CreditAccess Grameen Ltd Quaterly Results
Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | ||
INCOME | 1295.23 | 1459.1 | 1512.58 | 1453.92 | 1381.93 | |
PROFIT | 353.34 | 397.08 | 397.66 | 186.06 | -99.52 | |
EPS | 22.2 | 24.93 | 24.95 | 11.67 | -6.24 |
CreditAccess Grameen Ltd Quaterly Results
Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | ||
INCOME | 1295.23 | 1459.1 | 1512.58 | 1453.92 | 1381.93 | |
PROFIT | 353.42 | 396.99 | 397.66 | 186.06 | -99.52 | |
EPS | 22.21 | 24.93 | 24.95 | 11.67 | -6.24 |
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 |