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CreditAccess Grameen is India's largest NBFC-microfinance institution, lending small-ticket, joint-liability group loans to low-income women borrowers in rural areas, with deep district-level penetration in Karnataka, Maharashtra and Tamil Nadu and expansion into newer states. It is majority-owned by CreditAccess India (an Amsterdam-based holding company). Earnings are driven by loan growth, high yields typical of microfinance and the credit-cost cycle, which is sensitive to rural stress and event risks.
It is the largest NBFC-MFI in India by gross loan portfolio.
CreditAccess Grameen Ltd. is a constituent of NIFTY 500, NIFTY SMALLCAP 100, NIFTY SMALLCAP 250. See where it sits on the market heatmap →
Consolidated annual figures taken from CreditAccess Grameen Ltd.'s own filed statements — not estimates, and not restated by us. The most recent period shown is FY26 (year ended 31 Mar 2026).
| Metric | FY26 | FY25 | FY24 |
|---|---|---|---|
| EPS (basic, ₹) | 48.63 | 33.32 | 90.88 |
| Book value / share (₹) | 489.53 | 435.51 | 412.22 |
| Return on equity | 9.9% | 7.6% | 22.0% |
| Operating margin | 48.3% | 46.1% | 71.0% |
| Net margin | 12.8% | 9.2% | 28.0% |
| EBITDA | ₹2,992 Cr | ₹2,715 Cr | ₹3,717 Cr |
| Free cash flow | ₹-2,788 Cr | ₹1,092 Cr | ₹-4,754 Cr |
| Interest coverage | 1.5 | 1.4 | 2.1 |
| Shares outstanding | 16,02,00,000 | 15,97,20,000 | 15,93,80,000 |
Open the full income statement, balance sheet and cash flow for CREDITACC →
As disclosed for the quarter ended 30 Jun 2026.
Institutional ownership changes quarter to quarter. See daily FII and DII flows across the market →
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