CreditAccess Grameen cash flow

Latest FY26

Cash from operations: −₹2,770cr₹1,125 cr in FY25
Cash from investing: −₹101cr₹708 cr in FY25
Cash from financing: ₹2,751cr−₹1,669 cr in FY25
Capital spending: ₹17.6cr−47.7% on FY25

₹ crore except per share

Tap a line for its trend	Last 12Mto Sep 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024	FY23Mar 2023	FY22 and earlierAlpha Plus

Changes in working capital
Adjustments to reconcile profit — non-cash items						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	—	63.1	62.2	51.2	49.8
	—	1,775	1,930	452	401
	—	1,899	1,948	1,732	1,213
	—	−5,763	−5,547	−4,900	−3,327
	—	−37.6	−51.4	−34.5	−18.2
	—	25.7	23.1	16.7	10.7
	—	−73.7	−22.4	−91.3	−122
	—	−5,418	−978	−6,417	−4,586
	—	−3.6	−3.6	−4.8	−8.7
	—	37.7	−95.8	−47.4	44.7
	—	−0.3	0.1	−0.2	−2.1
	—	3.7	−2.0	5.8	5.6
	—	19.1	5.0	9.8	4.8
Cash from operating activities
	2,114	1,033	709	1,939	1,105
	—	−7,472	−2,732	−9,228	−6,334
	—	−6,439	−2,023	−7,288	−5,229
	—	5,745	5,392	4,835	3,393
	—	1,880	1,898	1,720	1,213
	—	196	346	561	240
	—	−2,770	1,125	−4,734	−3,290
Cash from investing activities
	—	14.8	26.7	11.9	13.7
	—	2.8	7.0	8.5	3.6
	—	0.4	0.3	0.0	0.1
	—	0.7	0.0	0.0	0.0
	—	68.2	105	75.9	48.3
	—	−152	636	−1,050	−345
	—	−101	708	−994	−314
Cash from financing activities
	—	31.9	18.2	15.1	4.7
	—	14,367	0.0	333	256
	—	109	9,300	5,169	3,123
	—	11,721	10,795	0.0	0.0
	—	36.1	32.7	24.0	18.9
	—	0.0	159	0.0	0.0
	—	2,751	−1,669	5,494	3,365
	—	−120	164	−234	−239
	—	−120	164	−234	−239
	—	—	—	1,107	1,341
Reference items
	—	−2,788	1,092	−4,754	−3,307
	—	408	−304	775	—
	—	−₹174.02	₹68.14	−₹296.76	−₹206.44
	—	−3.56×	2.12×	−3.27×	−3.98×
	—	196	346	561	240
	—	1,880	1,898	1,720	1,213

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

alphave

CREDITACC₹1,041.00

CreditAccess Grameen Ltd.

· Banking & Finance

₹ CrorePeersBANDHANBNK CGCL CENTRALBK APTUS IDBI IFCI RBLBANK POONAWALLAMcap ₹16,677 Cr

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In ₹ Crore except Per Share 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Adjustments to Reconcile Profit — Non-cash Items
+ Depreciation & Amortisation	49.8	51.2	62.2	63.1	—
+ Impairment Loss / (Reversal)	401.0	451.8	1,929.5	1,775.4	—
+ Finance Costs	1,212.9	1,732.4	1,947.6	1,899.1	—
+ Interest Income	-3,327.1	-4,900.1	-5,546.8	-5,762.6	—
+ Fair Value (Gains) / Losses	-18.2	-34.5	-51.4	-37.6	—
+ Share-based Payments	10.7	16.7	23.1	25.7	—
+ Other Non-cash Items	-121.9	-91.3	-22.4	-73.7	—
Changes in Working Capital
+ Other Financial Assets — Current	-4,586.0	-6,416.8	-977.8	-5,417.7	—
+ Other Current Assets	-8.7	-4.8	-3.6	-3.6	—
+ Trade Payables — Current	44.7	-47.4	-95.8	37.7	—
+ Other Financial Liabilities — Current	-2.1	-0.2	0.1	-0.3	—
+ Other Current Liabilities	5.6	5.8	-2.0	3.7	—
+ Provisions — Current	4.8	9.8	5.0	19.1	—
Cash from Operating Activities
Profit Before Tax (per I/S)	1,105.4	1,939.2	708.9	1,033.2	2,113.9
+ Total Adjustments (incl. Working Capital)	-6,334.5	-9,227.5	-2,732.3	-7,471.8	—
Cash from Operations (pre-tax)	-5,229.1	-7,288.3	-2,023.5	-6,438.6	—
+ Interest Received — Operating	3,392.6	4,835.4	5,392.3	5,745.1	—
+ Interest Paid — Operating	1,213.2	1,720.0	1,897.7	1,880.5	—
+ Income Taxes Paid	240.1	560.9	345.9	196.3	—
Cash from Operating Activities	-3,289.8	-4,733.8	1,125.2	-2,770.2	—
Cash from Investing Activities
+ Acq of Fixed Assets (Capex)	13.7	11.9	26.7	14.8	—
+ Acq of Intangible Assets	3.6	8.5	7.0	2.8	—
+ Disp of Fixed Assets	0.1	0.0	0.3	0.4	—
+ Sale of Investments (Equity / Debt)	0.0	0.0	0.0	0.7	—
+ Interest Received — Investing	48.3	75.9	105.2	68.2	—
+ Other Inflows / (Outflows) — Investing	-345.4	-1,049.8	636.5	-152.3	—
Cash from Investing Activities	-314.4	-994.2	708.3	-100.7	—
Cash from Financing Activities
+ Proceeds from Exercise of Stock Options	4.7	15.1	18.2	31.9	—
+ Proceeds from Debentures / Notes / Bonds	256.3	333.3	0.0	14,367.3	—
+ Proceeds from Borrowings	3,122.9	5,169.5	9,299.8	108.6	—
+ Repayment of Borrowings	0.0	0.0	10,795.2	11,720.7	—
+ Payment of Lease Liabilities	18.9	24.0	32.7	36.1	—
+ Dividends Paid	0.0	0.0	159.4	0.0	—
Cash from Financing Activities	3,365.1	5,493.9	-1,669.4	2,751.0	—
Net Changes in Cash (pre-FX)	-239.1	-234.1	164.2	-119.9	—
Net Changes in Cash	-239.1	-234.1	164.2	-119.9	—
Closing Cash	1,341.4	1,107.3	—	—	—
Reference Items
Free Cash Flow (CFO − Capex)	-3,307.1	-4,754.1	1,091.6	-2,787.8	—
Free Cash Flow to Equity	—	774.7	-303.7	407.6	—
Free Cash Flow per Basic Share	-206.44	-296.76	68.14	-174.02	—
Cash Flow to Net Income	-3.98	-3.27	2.12	-3.56	—
Cash Paid for Taxes	240.1	560.9	345.9	196.3	—
Cash Paid for Interest	1,213.2	1,720.0	1,897.7	1,880.5	—

As filed, sign as filed: a payment tagged as a positive magnitude in the filing stays positive here, so read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown — depth follows the filer, so a thin statement means a thin filing. Total Adjustments is the filer's own grand total of the reconciliation and spans BOTH the non-cash items and the working-capital block; Profit Before Tax plus it equals Cash from Operations (pre-tax). It can be reported when its components are not, so it is never a sum of the rows above it. 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%.