CreditAccess Grameen financials

·Banking & FinanceChart ›
Latest results Q2 FY27 · Jul–Sep 2026
Total income
₹1,905cr+26.2% on Q2 FY26
Net interest income
₹1,248cr+33.5% on Q2 FY26
Net profit
₹502cr+298.7% on Q2 FY26
EPS
₹31.27+297.3% on Q2 FY26

Quarterly results

Every quarter ›
₹ croreQ2 FY27Q2 FY26Change
Total income1,9051,509+26.2%
Net interest income1,248935+33.5%
Net profit502126+298.7%
EPS₹31.27₹7.87+297.3%

Over time

Q2 FY27 · Jul–Sep 2026latest
Total income₹1,905 crNet profit₹502 crNet interest margin14.5%

Amounts on the left scale in ₹ crore; per cent on the right, dashed. L = lakh crore, K = thousand crore. Touch the chart to read any period.

Key numbersby financial year

₹ crore except per share
Tap a line for its trendCurrentlast 12MFY26Mar 2026FY25Mar 2025FY24Mar 2024FY23Mar 2023FY22 and earlierAlpha Plus
16,635————
FY22 and earlierEvery year the company has filed comes with Alpha Plus.
6,7796,0635,7565,1733,551
—+5.3%+11.3%+45.7%—
4,4353,8643,5993,1682,114
—+7.3%+13.6%+49.8%—
12.9%12.9%12.7%12.5%10.8%
32.5%32.5%30.7%30.4%35.5%
6.8%6.8%7.8%2.1%2.4%
1,5877785311,446826
—+46.3%−63.2%+75.0%—
₹99.04₹48.54₹33.17₹90.26₹51.56
—+46.3%−63.2%+75.0%—
10.5%10.5%7.9%24.8%18.2%
2.6%2.6%1.9%5.7%4.2%
Balance sheet
29,29427,92324,27425,10519,043
—+15.0%−3.3%+31.8%—
23,64123,64120,44621,84116,312
3.01×3.01×2.94×3.32×3.19×
4.07×4.07×4.00×4.39×4.28×
Open the chart

From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

CREDITACC₹1,038.40

CreditAccess Grameen Ltd.

· Banking & Finance
₹ CrorePeersBANDHANBNKCGCLCENTRALBKAPTUSIDBIIFCIRBLBANKPOONAWALLAMcap ₹16,635 Cr
HighlightsEnterprise ValueMultiplesPer ShareAnnuals · FY-end closes
In ₹ Crore except Per Share
12 Months Ending
FY23
31/03/2023
FY24
31/03/2024
FY25
31/03/2025
FY26
31/03/2026
Current/LTM
TTM · last close
Market Capitalization————16,635.2
Total Income3,550.85,172.75,756.16,062.56,779.1
Growth %, YoY—+45.7+11.3+5.3—
Net Interest Income2,114.33,167.73,599.23,863.64,434.7
Growth %, YoY—+49.8+13.6+7.3—
NIM %, on assets10.7712.4912.7112.9412.94
Cost to Income %35.4930.3930.7032.4632.46
Credit Cost %, on avg loans2.372.057.826.806.80
Net Income826.11,445.9531.4777.61,586.6
Growth %, YoY—+75.0-63.2+46.3—
EPS, Adj (current shares)51.5690.2633.1748.5499.04
Growth %, YoY—+75.0-63.2+46.3—
ROE %18.1924.777.8610.5110.51
ROA %4.215.701.882.602.60
Balance Sheet
Loans19,043.325,105.024,274.527,922.729,293.8
Growth %, YoY—+31.8-3.3+15.0—
Total Borrowings16,312.321,841.020,445.823,641.123,641.1
Debt/Equity ×3.193.322.943.013.01
Leverage (Assets/Equity) ×4.284.394.004.074.07
Market Cap/EV/multiples pair each (split/bonus-adjusted) FY-end close with the latest filed share count; Current column uses the last close. Market Capitalization is a market-level figure — identical across Consolidated/Standalone (the accounting rows below differ). No consensus estimates → no Est columns. Click any row to chart it.
« ‹ › »Latest: FY26 · ConsolidatedFA Financial Analysis · alphave
Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.

CreditAccess Grameen financials and key ratios

Prices at the previous close · figures from the company's filings with NSE

CreditAccess Grameen (NSE: CREDITACC) had a market capitalisation of ₹16,668 crore at the previous close (₹1,038.40 a share), a PE ratio of 10.5 on the last four quarters' profit and a price-to-book ratio of 1.87. In FY26 its consolidated net profit was ₹778 crore on revenue of ₹6,059 crore; in Q2 FY27 (July–September 2026) it was ₹502 crore, up 298.7% year on year. Promoters held 63.83% of the shares on 30 September 2026.

Share price used
₹1,038.40 · previous close
Latest balance sheet
30 September 2026
Shareholding pattern
30 September 2026

CreditAccess Grameen at a glance · consolidated

Market cap
₹16,668 Crat ₹1,038.40 · previous close
PE ratio (last 4 quarters)
10.521.4 on FY26 profit
Price to book (PB)
1.87book value ₹555.63 a share
ROE (FY26)
10.5%
Debt to equity
2.82net debt ₹23,552 Cr
Promoter holding
63.83%−2.4 pts vs 30 Jun 202630 September 2026

Questions

What is the CreditAccess Grameen PE ratio today?

CreditAccess Grameen's PE ratio is 10.5 at the previous close (₹1,038.40 a share): a market capitalisation of ₹16,668 crore divided by consolidated net profit of ₹1,587 crore over the last four quarters (Q3 FY26 to Q2 FY27). On FY26 net profit (₹778 crore) it is 21.4.

What is the CreditAccess Grameen debt to equity ratio?

CreditAccess Grameen's debt-to-equity ratio was 2.82 on 30 September 2026: borrowings, debt securities, deposits and subordinated debt of ₹25,128 crore against total equity of ₹8,919 crore. A year earlier, on 30 September 2025, it was 2.81.

What is the CreditAccess Grameen net worth?

CreditAccess Grameen's net worth — shareholders' equity in its consolidated balance sheet — was ₹8,919 crore on 30 September 2026, up 24.5% from ₹7,164 crore a year earlier. Its market value is a different figure: a market capitalisation of ₹16,668 crore at the previous close.

What is the CreditAccess Grameen PB ratio (price to book value)?

CreditAccess Grameen's price-to-book (PB) ratio is 1.87 at the previous close: a market capitalisation of ₹16,668 crore divided by shareholders' equity (book value) of ₹8,919 crore on 30 September 2026. That is a book value of ₹555.63 per share against a share price of ₹1,038.40.

What is the CreditAccess Grameen book value per share?

CreditAccess Grameen's book value per share was ₹555.63 on 30 September 2026: shareholders' equity of ₹8,919 crore divided by the 16.05 crore shares in issue, up 24.0% from ₹448.11 a year earlier. The share price at the previous close was ₹1,038.40.

What is the CreditAccess Grameen promoter holding?

Promoters held 63.83% of CreditAccess Grameen on 30 September 2026, down 2.38 percentage points from 66.21% the previous quarter and down 2.54 percentage points from 66.37% a year earlier, according to the shareholding pattern filed with NSE.

What is the CreditAccess Grameen market cap?

CreditAccess Grameen's market capitalisation was ₹16,668 crore at the previous close: 16.05 crore shares at ₹1,038.40 each.

What is the CreditAccess Grameen ROE?

In FY26, CreditAccess Grameen's return on equity (ROE) was 10.5%. ROE is net profit divided by average shareholders' equity (the start and end of the year).

What is the CreditAccess Grameen EPS?

CreditAccess Grameen's basic earnings per share (EPS) were ₹48.63 in FY26, against ₹33.32 in FY25. Over the last four quarters (Q3 FY26 to Q2 FY27) they add up to ₹99.02.

What is the CreditAccess Grameen shareholding pattern?

On 30 September 2026, CreditAccess Grameen's shares were held by promoters 63.83%, foreign portfolio investors (FII/FPI) 14.73%, domestic institutions (DII) 13.77% (including mutual funds at 11.31%) and retail and other non-institutional investors 7.68%. Over the year, FII holding was up 2.44 percentage points from 12.29% and DII holding was up 0.44 percentage points from 13.33%.

What are the CreditAccess Grameen latest quarterly results?

CreditAccess Grameen's latest results are for Q2 FY27 (July–September 2026), filed on 22 October 2026: consolidated net profit ₹502 crore, up 298.7% from ₹126 crore in Q2 FY26; revenue from operations ₹1,904 crore, up 26.2% year on year.

What is the CreditAccess Grameen revenue and profit in FY26?

In FY26 (April 2025–March 2026), CreditAccess Grameen's consolidated net profit was ₹778 crore, up 46.3% from ₹531 crore in FY25, on revenue from operations of ₹6,059 crore (up 5.3%). Over three years, from FY23, net profit was down 5.9%.

When are the CreditAccess Grameen next results?

CreditAccess Grameen has reported Q2 FY27. Its next results, for Q3 FY27 (October–December 2026), are due by 14 February 2027 under SEBI's 45-day rule; the company notifies the board-meeting date at least two working days before.

How does CreditAccess Grameen compare with its peers?

On FY26 consolidated figures, against Bandhan Bank, Capri Global Capital and Central Bank of India: CreditAccess Grameen's return on equity of 10.5% is the third highest of the four (Bandhan Bank 4.9%, Capri Global Capital 16.5%, Central Bank of India 11.9%; peer average 11.1%); its revenue growth over three years of 19.6% a year is the second highest of the four (Bandhan Bank 10.0% a year, Capri Global Capital 47.9% a year, Central Bank of India 12.6% a year; peer average 23.5% a year).

CreditAccess Grameen vs Bandhan Bank: how do they compare?

In FY26, CreditAccess Grameen earned net profit of ₹778 crore on revenue of ₹6,059 crore, against ₹1,224 crore for Bandhan Bank.

Where do these CreditAccess Grameen figures come from?

From CreditAccess Grameen's own consolidated results, balance sheets and shareholding patterns filed with NSE. Ratios are calculated by Alphave from those filings as each answer describes.

Consolidated figures from the company's filings with NSE; prices are NSE closing prices.