CreditAccess Grameen Ltd

NSE :CREDITACC   BSE :541770  Sector : Finance
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52 WK low / high

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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%)


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 Pattern

  66.54% Total Promoter Holding
12.84% Mutual Fund Holdings
10.76% FIIs
7.83% Non Institution
1.75% Insurance Companies
0% Custodians
0.28% Other Parties

Shareholding History


Quarterly Result (Figures in Rs. Crores)


CreditAccess Grameen Ltd Quaterly Results


Sep 2023Dec 2023Mar 2024Jun 2024Sep 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 2023Dec 2023Mar 2024Jun 2024Sep 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 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 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 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 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 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019
SOURCES OF FUNDS :
Share Capital 159.38158.91155.87155.58143.99143.55
Reserves Total 6,410.64,948.064,011.043,535.972,590.232,221.51
Total Shareholders Funds6,569.985,106.974,166.913,691.552,734.222,365.06
Minority Interest000104.83108.950
Secured Loans21,665.4916,009.6712,710.1710,642.899,355.674,829.5
Unsecured Loans175.52302.59210.52298.4418437.07
Total Loan Funds21,841.0116,312.2612,920.6910,941.339,539.674,866.57
Total Liabilities28,410.9921,419.2317,087.614,737.7112,382.847,231.63
APPLICATION OF FUNDS :
Loan / Non-Current Assets 25,104.9919,043.3414,765.3311,720.4811,098.916,602.83
Gross Block 826.13777.53759.57658.44619.5947.97
Less: Accumulated Depreciation217.05178.5130.6885.6743.0923.22
Net Block609.08599.03628.89572.77576.524.75
Capital Work in Progress4.543.943.070.622.842.36
Investments 1,438.9454.520.540.5445.560.2
Cash and Bank Balance1,313.911,436.431,761.392,484.38717.64615.55
Loans and Advances 237.82239.91167.34177.3591.3268.31
Total Current Assets1,551.731,676.341,928.732,661.73808.96683.86
Current Liabilities 387.71401.68361.64296187.06113.63
Provisions 47.4637.1932.7126.5220.3111.88
Total Current Liabilities & Provisions435.17438.87394.35322.52207.37125.51
Net Current Assets1,116.561,237.471,534.382,339.21601.59558.35
Deferred Tax Assets157.76112.48180.27166.0696.543.14
Deferred Tax Liability20.8431.5524.8861.9739.060
Net Deferred Tax136.9280.93155.39104.0957.4443.14
Total Assets28,410.9921,419.2317,087.614,737.7112,382.847,231.63
Contingent Liabilities4.240.250.350.360.370
Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015
SOURCES OF FUNDS :
Share Capital 159.38158.91155.87155.58143.99143.55128.4385.6872.9572.95
Reserves Total 6,410.574,948.034,011.043,479.232,525.092,221.511,309.05605.12386.92303.44
Total Shareholders Funds6,569.955,106.944,166.913,634.812,669.082,365.061,437.48690.8459.87376.39
Secured Loans21,665.4916,009.6712,710.178,755.727,797.564,829.53,517.682,365.092,120.171,268.63
Unsecured Loans175.52302.59210.52252537.07105.78303.15113.1521.9
Total Loan Funds21,841.0116,312.2612,920.698,780.727,822.564,866.573,623.462,668.242,233.321,290.53
Other Liabilities00000011.0230.7210.752.98
Total Liabilities28,410.9621,419.217,087.612,415.5310,491.647,231.635,071.963,389.762,703.941,669.9
APPLICATION OF FUNDS :
Loan / Non-Current Assets 25,104.9919,043.3414,765.339,717.829,172.646,602.834,895.53631.7500
Gross Block 826.11777.51759.54165.57128.9847.9732.3423.3718.478.61
Less: Accumulated Depreciation 217.05178.5130.6764.8142.3623.2216.1811.117.144.89
Net Block609.06599.01628.87100.7686.6224.7516.1612.2611.333.72
Capital Work in Progress4.543.943.070.622.842.361.063.0302.49
Investments 1,438.91454.530.55662.93661.440.20.20.20.20.2
Cash and Bank Balance1,313.771,436.411,761.351,945.97580.44615.55143.06363.69254.92279.77
Loans and Advances 237.82239.9167.16153.6873.4168.3122.862,486.831,720.031,090.64
Total Current Assets1,551.591,676.311,928.512,099.65653.85683.86165.922,850.521,974.941,370.41
Current Liabilities 387.62401.69361.42261.58154113.6335.0857.0683.2944.85
Provisions 47.4337.1732.719.6816.0211.886.53117.2520.7412.05
Total Current Liabilities & Provisions435.05438.86394.12281.26170.02125.5141.61174.32104.0356.9
Net Current Assets1,116.541,237.451,534.391,818.39483.83558.35124.312,676.21,870.911,313.52
Deferred Tax Assets157.76112.48180.27137.4984.2743.143048.4911.035.95
Deferred Tax Liability20.8431.5524.8822.48000000
Net Deferred Tax136.9280.93155.39115.0184.2743.143048.4911.035.95
Other Assets0000004.717.83810.47344.03
Total Assets28,410.9621,419.217,087.612,415.5310,491.647,231.635,071.963,389.762,703.951,669.91
Contingent Liabilities4.240.250.350.110.120.160.230.258.4817.42

Cash Flow (Figures in Rs. Crores)

Net Profit before Tax and Extr...1,939.18
Depreciation51.15
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 Assets0.02
Purchase of Investments-12,801.18
Sale of Investments11,898
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
Depreciation51.15
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 Assets0.02
Purchase of Investments-12,801.18
Sale of Investments11,898
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
AddressNew No 49 (O No 725) 46th Cros,
8th Block Jayanagar
CityBangalore
StateKarnataka
Pin Code560071
Tel. No.91-80-22637300
Fax. No.91-80-26643433
Emailcs@cagrameen.in
Internethttp://www.creditaccessgrameen.in
Registrars
AddressNew No 49 (O No 725) 46th Cros
CityBangalore
StateKarnataka
Pin Code560071
Tel. No.91-80-22637300
Fax. No.91-80-26643433
Emailcs@cagrameen.in
Internethttp://www.creditaccessgrameen.in
Management
Name Designation
George JosephChairman & Independent Directo
SUMIT KUMARNon Executive Director
Massimo VitaNon Executive Director
Paolo BrichettiVice Chairman
Jessie PaulIndependent Director
Manoj KumarIndependent Director
Rekha WarriarIndependent Director
Udaya Kumar HebbarManaging Director & CEO