About Creditaccess Grameen Limited
Data last updated: 07 July 2026
Creditaccess Grameen Limited is a public limited company based in Bangalore South, Karnataka, India, a subsidiary of Creditaccess India B.V.. It specialises in microfinance institutions, a part of the broader financial services sector. Incorporated on 12 June 1991, the company has been in operation for over 35 years.
Registered with ROC Bangalore under CIN U51216KA1991PLC053425. Listed on BSE: 541770 and NSE: CREDITACC.
Capital: an authorised share capital of ₹170 Cr and a paid-up capital of ₹160.26 Cr. Formerly known as Sanni Collection Pvt Ltd and Grameen Financial Services Private Limited. It is led by directors including Udaya Kumar Hebbar and Massimo Vita.
Last AGM: 30 July 2025. Financial statements filed for year ended 31 March 2025. Office: Bangalore South, Karnataka.
As per NSE-filed consolidated financials for FY 2026, the company reported a revenue of ₹6,058.92 Cr, a growth of 5.33% compared to the previous year. The net worth stands at ₹7,842.25 Cr (up 12.74% YoY). Total assets are valued at ₹31,930 Cr (up 14.85% YoY).
The company has a workforce of approximately 19,395 employees as per the latest available data. It operates as a subsidiary of Creditaccess India B.V..
The company is associated with 3 brands - Madura Microfinance, Creditaccess Grameen, Creditaccess Grameen. As per MCA filings, the company has open charges of ₹42,035 Cr and satisfied charges of ₹42,998 Cr on record.
The current compliance status is marked as compliant by the Registrar of Companies. For more details, the company can be reached via its website creditaccessgrameen.in.
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Registered AddressNew No.49(Oldno725) 46Th Cross, 8Th Block Jayanagar (Next To Rajalakshmi Kalyana Mantapa), Bangalore South, Karnataka, India – 560070
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IndustryFinancial Services, Microfinance Institutions, NBFC
- Historical Financials and ratios
- Shareholding pattern and group structure
- Charges with holder and property details
- Litigation, compliance and MCA filings
- PDF report delivered after checkout
Name History of Creditaccess Grameen Limited
Creditaccess Grameen Limited has undergone 4 name changes throughout its history. The current legal name is Creditaccess Grameen Limited, reflecting the company's evolution and rebranding over time.
| Company Name | Status |
|---|---|
| Creditaccess Grameen Limited | Current |
| Sanni Collection Pvt Ltd | Previous |
| Grameen Financial Services Private Limited | Previous |
| Grameen Koota Financial Services Private Limited | Previous |
| Grameen Koota Financial Services Limited | Previous |
CIN History of Creditaccess Grameen Limited
Creditaccess Grameen Limited has one previous CIN (Corporate Identification Number): U51216KA1991PLC053425. The current CIN is L51216KA1991PLC053425, which is the unique identifier assigned by the Registrar of Companies.
| CIN | Status |
|---|---|
| L51216KA1991PLC053425 | Current |
| U51216KA1991PLC053425 | Previous |
Associated Brands with Creditaccess Grameen Limited
Creditaccess Grameen Limited operates multiple associated brands including Madura Microfinance, CreditAccess Grameen, and CreditAccess Grameen. These brands represent Creditaccess Grameen Limited's diversified market presence and brand portfolio.
| Brand | Description | Website |
|---|---|---|
| Microfinance firm providing individual and group loans to the rural population | maduramicrofinance.com | |
| Provider of microcredit services | creditaccessgrameen.in | |
| CreditAccess Grameen is recognized as India's largest microfinance institution. | creditaccessgrameen.com |
Competitors & Alternatives of Creditaccess Grameen Limited
Brands and companies operating in the same space as Creditaccess Grameen Limited include AU Small Finance Bank, Ujjivan Small Finance Bank, ESAF and 7 more.
| Competitor | Description | Location | Founded |
|---|---|---|---|
AU Small Finance Bank
|
Collateralised loans for commercial vehicles are extended to rural entrepreneurs. | Jaipur, India, India | 1996 |
Ujjivan Small Finance Bank
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Small finance services are extended to underserved segments in India. | Bengaluru, India, India | 2005 |
ESAF
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Microfinance banking services are offered in India by ESAF. | Thrissur, India, India | 1992 |
Jana Small Finance Bank
|
Microfinance bank | Bengaluru, India, India | 1999 |
Suryoday
|
Small finance bank offering savings accounts, deposits, and loan products | Mumbai, India, India | 2008 |
Equitas Small Finance Bank
|
Small finance bank | Chennai, India, India | 2007 |
Utkarsh Bank
|
Small finance bank | Varanasi, India, India | 2009 |
Capital Small Finance Bank
|
Microfinance services including savings accounts and loans are provided. | Jalandhar, India, India | 2016 |
Satin Creditcare
|
Micro loans for businesses are offered by this NBFC. | Delhi, India, India | 1990 |
Bharat Financial Inclusion
|
Provider of micro-credit & insurance for low income income individuals and women | Secunderabad, India, India | 1997 |
Business Activity of Creditaccess Grameen Limited
Creditaccess Grameen Limited operates primarily in the financial and insurance service sector. The company has 1 registered business activity segment, reflecting its diverse operational portfolio.
| Main Activity Group Code | Description of Main Activity | Business Activity Code | Description of Business Activity | Turnover Percentage |
|---|---|---|---|---|
| Locked | Financial and insurance Service | Locked | Other financial activities | Locked |
Detailed business activity records for Creditaccess Grameen Limited
Activity codes and turnover contribution percentages require an active report plan.
- Activity group codes
- Detailed activity codes
- Turnover contribution
Verified entity values are shown only after access is granted.
Auditor Details of Creditaccess Grameen Limited
Creditaccess Grameen Limited is audited by Varma and Varma (ICAI peer reviewed, certificate valid till 2028-07-31); Walker Chandiok and Co LLP (ICAI peer reviewed, certificate valid till 2028-05-31) for the financial year 2026, as reported in its NSE exchange filings. The statutory auditor is responsible for expressing an independent opinion on whether the financial statements present a true and fair view in accordance with applicable accounting standards.
| Name | Financial year | Audit opinion |
|---|---|---|
| Varma and Varma (ICAI peer reviewed, certificate valid till 2028-07-31); Walker Chandiok and Co LLP (ICAI peer reviewed, certificate valid till 2028-05-31) | FY 2026 | Declaration of unmodified opinion |
Board of Directors of Creditaccess Grameen Limited
Creditaccess Grameen Limited is currently managed by 8 directors, with 26 former directors having served the organization. The current Directors play a crucial role in shaping the company's strategic direction and governance.
| Name | Designation | Appointment Date | Tenure | Status |
|---|---|---|---|---|
| Udaya Kumar Hebbar | Nominee Director | 05 Aug 2025 | 0 Years 11 Months | Current |
| Massimo Vita | Nominee Director | 25 Jul 2017 | 8 Years 11 Months | Current |
| Sumit Kumar | Nominee Director | 16 Aug 2016 | 9 Years 11 Months | Current |
|
Lilian Jessie Paul
Also directs:
Bajaj Consumer Care Limited, Krsnaa Diagnostics Limited, Ciel Hr Services Limited and 2 more
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Director | 16 Sep 2020 | 5 Years 10 Months | Current |
|
Manoj Kumar
Also directs:
Voxelgrids Innovations Private Limited, Kanpur Flowercycling Private Limited, Malgharia Advisors Private Limited and 5 more
|
Director | 30 Oct 2019 | 6 Years 8 Months | Current |
| Paolo Brichetti | Director | 21 Oct 2022 | 3 Years 9 Months | Current |
Financials of Creditaccess Grameen Limited FY 2026 filings available
Creditaccess Grameen Limited reported revenue of ₹6,058.92 Cr (up 5.33% YoY) for FY 2026.
| Metrics | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Revenue from Operations | ₹6,058.92 Cr | ₹5,752.33 Cr | ₹5,166.67 Cr | ₹3,545.12 Cr | ₹2,742.82 Cr | ₹2,460.74 Cr | ₹1,704.3 Cr |
| Interest Earned | ₹5,762.64 Cr | ₹5,546.76 Cr | ₹4,900.11 Cr | ₹3,327.13 Cr | ₹2,567.33 Cr | ₹2,290.03 Cr | ₹1,633.39 Cr |
| Other Income | ₹3.62 Cr | ₹3.81 Cr | ₹5.98 Cr | ₹5.67 Cr | ₹7.31 Cr | ₹5.33 Cr | ₹1.17 Cr |
| Total Income | ₹6,062.54 Cr | ₹5,756.14 Cr | ₹5,172.65 Cr | ₹3,550.79 Cr | ₹2,750.13 Cr | ₹2,466.07 Cr | ₹1,705.47 Cr |
| Cost of Materials Consumed | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Changes in Inventories | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Employee Benefit Expense | ₹879.09 Cr | ₹730.36 Cr | ₹669.43 Cr | ₹515.24 Cr | ₹437.66 Cr | ₹379.99 Cr | ₹262.05 Cr |
| Finance Costs | ₹1,899.08 Cr | ₹1,947.56 Cr | ₹1,732.44 Cr | ₹1,212.88 Cr | ₹984.14 Cr | ₹928.72 Cr | ₹579.98 Cr |
| Depreciation & Amortisation | ₹63.08 Cr | ₹62.22 Cr | ₹51.15 Cr | ₹49.84 Cr | ₹47.23 Cr | ₹44.07 Cr | ₹20.37 Cr |
| Other Expenses | ₹409.49 Cr | ₹376.52 Cr | ₹324.78 Cr | ₹264.59 Cr | ₹200.61 Cr | ₹158.52 Cr | ₹144.21 Cr |
| Total Expenses | ₹5,029.34 Cr | ₹5,047.27 Cr | ₹3,233.47 Cr | ₹2,445.37 Cr | ₹2,269.34 Cr | ₹2,285.67 Cr | ₹1,243.88 Cr |
| Profit Before Exceptional Items & Tax | ₹1,033.2 Cr | ₹708.87 Cr | ₹1,939.18 Cr | ₹1,105.42 Cr | ₹480.79 Cr | ₹180.4 Cr | ₹461.59 Cr |
| Exceptional Items | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Profit Before Tax | ₹1,033.2 Cr | ₹708.87 Cr | ₹1,939.18 Cr | ₹1,105.42 Cr | ₹480.79 Cr | ₹180.4 Cr | ₹461.59 Cr |
| Total Tax Expense | ₹255.56 Cr | ₹177.47 Cr | ₹493.25 Cr | ₹279.36 Cr | ₹123.69 Cr | ₹49 Cr | ₹126.1 Cr |
| Net Profit | ₹777.64 Cr | ₹531.4 Cr | ₹1,445.93 Cr | ₹826.06 Cr | ₹357.1 Cr | ₹131.4 Cr | ₹335.49 Cr |
| attributable to Owners | ₹0 | ₹0 | ₹0 | ₹0 | ₹363.04 Cr | - | ₹0 |
| attributable to NCI | ₹0 | ₹0 | ₹0 | ₹0 | -₹5.94 Cr | - | ₹0 |
| Other Comprehensive Income | ₹51.13 Cr | -₹27.19 Cr | -₹14.69 Cr | ₹8.41 Cr | -₹85.36 Cr | ₹32.26 Cr | -₹27.35 Cr |
| Total Comprehensive Income | ₹828.77 Cr | ₹504.21 Cr | ₹1,431.24 Cr | ₹834.47 Cr | ₹271.74 Cr | ₹163.66 Cr | ₹308.14 Cr |
| EBITDA (computed) | ₹2,995.36 Cr | ₹2,718.65 Cr | ₹3,722.77 Cr | ₹2,368.14 Cr | ₹1,512.16 Cr | ₹1,153.19 Cr | ₹1,061.95 Cr |
| Basic EPS | ₹48.63 | ₹33.32 | ₹90.88 | ₹52.04 | ₹23.31 | ₹8.96 | ₹23.20 |
| Diluted EPS | ₹48.44 | ₹33.24 | ₹90.41 | ₹51.82 | ₹23.22 | ₹8.90 | ₹23.00 |
| Metrics | FY 2026 | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Total Assets | ₹31,930 Cr | ₹27,802 Cr | ₹28,846 Cr | ₹21,858 Cr |
| Property, Plant & Equipment | ₹43.74 Cr | ₹43.58 Cr | ₹32.08 Cr | ₹32.08 Cr |
| Inventories | ₹0 | ₹0 | ₹0 | ₹0 |
| Cash & Equivalents | ₹1,151.58 Cr | ₹1,271.49 Cr | ₹1,107.29 Cr | ₹1,341.41 Cr |
| Equity (Net Worth) | ₹7,842.25 Cr | ₹6,955.97 Cr | ₹6,569.98 Cr | ₹5,106.97 Cr |
| Equity Share Capital | ₹160.2 Cr | ₹159.72 Cr | ₹159.38 Cr | ₹158.91 Cr |
| Total Liabilities | ₹24,088 Cr | ₹20,846 Cr | - | - |
| Metrics | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Operating Cash Flow | -₹2,770.21 Cr | ₹1,125.24 Cr | -₹4,733.78 Cr | -₹3,289.78 Cr | -₹2,714.34 Cr |
| Investing Cash Flow | -₹100.65 Cr | ₹708.34 Cr | -₹994.2 Cr | -₹314.43 Cr | -₹32.96 Cr |
| Financing Cash Flow | ₹2,750.95 Cr | -₹1,669.38 Cr | ₹5,493.86 Cr | ₹3,365.07 Cr | ₹1,967.76 Cr |
| Capital Expenditure | ₹14.78 Cr | ₹26.68 Cr | ₹11.85 Cr | ₹13.72 Cr | ₹20.16 Cr |
| Free Cash Flow (computed) | -₹2,784.99 Cr | ₹1,098.56 Cr | -₹4,745.63 Cr | -₹3,303.5 Cr | -₹2,734.5 Cr |
| Dividends Paid | ₹0 | ₹159.44 Cr | ₹0 | ₹0 | ₹0 |
| Net Change in Cash | -₹119.91 Cr | ₹164.2 Cr | -₹234.12 Cr | -₹239.14 Cr | -₹779.54 Cr |
| Metrics | Q4 FY26 | Q3 FY26 | Q2 FY26 | Q1 FY26 | Q4 FY25 | Q3 FY25 | Q2 FY25 | Q1 FY25 | Q4 FY24 | Q3 FY24 | Q2 FY24 | Q1 FY24 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue from Operations | ₹1,597.27 Cr | ₹1,490.41 Cr | ₹1,508.35 Cr | ₹1,462.89 Cr | ₹1,406.63 Cr | ₹1,380.38 Cr | ₹1,453.29 Cr | ₹1,512.03 Cr | ₹1,457.49 Cr | ₹1,292.2 Cr | ₹1,246.94 Cr | ₹1,170.03 Cr |
| Interest Earned | ₹1,525.4 Cr | ₹1,434.98 Cr | ₹1,414.13 Cr | ₹1,388.14 Cr | ₹1,354.25 Cr | ₹1,337.62 Cr | ₹1,417.74 Cr | ₹1,437.15 Cr | ₹1,363.17 Cr | ₹1,244.36 Cr | ₹1,187.41 Cr | ₹1,105.17 Cr |
| Other Income | ₹1.31 Cr | ₹90 Lakh | ₹67 Lakh | ₹74 Lakh | ₹1.08 Cr | ₹1.55 Cr | ₹63 Lakh | ₹55 Lakh | ₹1.61 Cr | ₹3.03 Cr | ₹65 Lakh | ₹69 Lakh |
| Total Income | ₹1,598.58 Cr | ₹1,491.31 Cr | ₹1,509.02 Cr | ₹1,463.63 Cr | ₹1,407.71 Cr | ₹1,381.93 Cr | ₹1,453.92 Cr | ₹1,512.58 Cr | ₹1,459.1 Cr | ₹1,295.23 Cr | ₹1,247.59 Cr | ₹1,170.72 Cr |
| Cost of Materials Consumed | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Changes in Inventories | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Employee Benefit Expense | ₹211.71 Cr | ₹226.85 Cr | ₹219.32 Cr | ₹221.21 Cr | ₹175.36 Cr | ₹178.37 Cr | ₹188.83 Cr | ₹187.79 Cr | ₹194.64 Cr | ₹156.71 Cr | ₹161.76 Cr | ₹156.32 Cr |
| Finance Costs | ₹478.05 Cr | ₹459.34 Cr | ₹479.52 Cr | ₹482.16 Cr | ₹477.78 Cr | ₹474.87 Cr | ₹484.6 Cr | ₹510.31 Cr | ₹482.15 Cr | ₹441.5 Cr | ₹423.87 Cr | ₹384.92 Cr |
| Depreciation & Amortisation | ₹15.69 Cr | ₹16.38 Cr | ₹15.8 Cr | ₹15.22 Cr | ₹15.16 Cr | ₹15.53 Cr | ₹17.19 Cr | ₹14.35 Cr | ₹13.75 Cr | ₹13.06 Cr | ₹12.28 Cr | ₹12.06 Cr |
| Other Expenses | ₹111.69 Cr | ₹107.69 Cr | ₹99.01 Cr | ₹91.1 Cr | ₹105.28 Cr | ₹89.6 Cr | ₹91.03 Cr | ₹90.6 Cr | ₹85.62 Cr | ₹81.84 Cr | ₹85.31 Cr | ₹72.01 Cr |
| Total Expenses | ₹1,153.58 Cr | ₹1,153.39 Cr | ₹1,339.86 Cr | ₹1,382.51 Cr | ₹1,356.63 Cr | ₹1,510.86 Cr | ₹1,201.93 Cr | ₹977.84 Cr | ₹929.64 Cr | ₹819.66 Cr | ₹780.82 Cr | ₹703.35 Cr |
| Profit Before Exceptional Items & Tax | ₹445 Cr | ₹337.92 Cr | ₹169.16 Cr | ₹81.12 Cr | ₹51.08 Cr | -₹128.93 Cr | ₹251.99 Cr | ₹534.74 Cr | ₹529.46 Cr | ₹475.57 Cr | ₹466.77 Cr | ₹467.37 Cr |
| Exceptional Items | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Profit Before Tax | ₹445 Cr | ₹337.92 Cr | ₹169.16 Cr | ₹81.12 Cr | ₹51.08 Cr | -₹128.93 Cr | ₹251.99 Cr | ₹534.74 Cr | ₹529.46 Cr | ₹475.57 Cr | ₹466.77 Cr | ₹467.37 Cr |
| Total Tax Expense | ₹105.45 Cr | ₹85.83 Cr | ₹43.35 Cr | ₹20.93 Cr | ₹3.87 Cr | -₹29.41 Cr | ₹65.93 Cr | ₹137.08 Cr | ₹132.38 Cr | ₹122.23 Cr | ₹119.73 Cr | ₹118.91 Cr |
| Net Profit | ₹339.55 Cr | ₹252.09 Cr | ₹125.81 Cr | ₹60.19 Cr | ₹47.21 Cr | -₹99.52 Cr | ₹186.06 Cr | ₹397.66 Cr | ₹397.08 Cr | ₹353.34 Cr | ₹347.04 Cr | ₹348.46 Cr |
| attributable to Owners | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹353.34 Cr | ₹347.04 Cr | ₹348.46 Cr |
| attributable to NCI | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Other Comprehensive Income | ₹48.69 Cr | ₹2.63 Cr | ₹2.6 Cr | -₹2.79 Cr | -₹12.62 Cr | ₹7.89 Cr | -₹7.94 Cr | -₹14.52 Cr | -₹9.51 Cr | ₹11.07 Cr | -₹5.03 Cr | -₹11.24 Cr |
| Total Comprehensive Income | ₹388.24 Cr | ₹254.72 Cr | ₹128.41 Cr | ₹57.4 Cr | ₹34.59 Cr | -₹91.63 Cr | ₹178.12 Cr | ₹383.14 Cr | ₹387.57 Cr | ₹364.41 Cr | ₹342.01 Cr | ₹337.22 Cr |
| EBITDA (computed) | ₹938.74 Cr | ₹813.64 Cr | ₹664.48 Cr | ₹578.5 Cr | ₹544.02 Cr | ₹361.47 Cr | ₹753.78 Cr | ₹1,059.4 Cr | ₹1,025.36 Cr | ₹930.13 Cr | ₹902.92 Cr | ₹864.35 Cr |
| Basic EPS | ₹21.20 | ₹15.76 | ₹7.87 | ₹3.77 | ₹2.96 | ₹-6.24 | ₹11.67 | ₹24.95 | ₹24.93 | ₹22.20 | ₹21.82 | ₹21.93 |
| Diluted EPS | ₹21.11 | ₹15.68 | ₹7.83 | ₹3.76 | ₹2.95 | ₹-6.24 | ₹11.61 | ₹24.82 | ₹24.79 | ₹22.05 | ₹21.69 | ₹21.80 |
| Metrics | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|---|
| Revenue from Operations | ₹6,058.92 Cr | ₹5,752.33 Cr | ₹5,166.67 Cr | ₹3,545.12 Cr | ₹2,289.39 Cr | ₹2,027.53 Cr | ₹1,679.16 Cr |
| Interest Earned | ₹5,762.64 Cr | ₹5,546.76 Cr | ₹4,900.11 Cr | ₹3,327.13 Cr | ₹2,124.79 Cr | ₹1,877.13 Cr | ₹1,617.19 Cr |
| Other Income | ₹3.62 Cr | ₹3.81 Cr | ₹5.98 Cr | ₹5.64 Cr | ₹1.81 Cr | ₹3.61 Cr | ₹5.2 Cr |
| Total Income | ₹6,062.54 Cr | ₹5,756.14 Cr | ₹5,172.65 Cr | ₹3,550.76 Cr | ₹2,291.2 Cr | ₹2,031.14 Cr | ₹1,684.36 Cr |
| Cost of Materials Consumed | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Changes in Inventories | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Employee Benefit Expense | ₹879.09 Cr | ₹730.36 Cr | ₹669.43 Cr | ₹515.24 Cr | ₹353.5 Cr | ₹299.6 Cr | ₹259.64 Cr |
| Finance Costs | ₹1,899.08 Cr | ₹1,947.56 Cr | ₹1,732.44 Cr | ₹1,212.88 Cr | ₹788.13 Cr | ₹740.07 Cr | ₹572.67 Cr |
| Depreciation & Amortisation | ₹63.08 Cr | ₹62.22 Cr | ₹51.15 Cr | ₹49.84 Cr | ₹26.23 Cr | ₹23.43 Cr | ₹19.64 Cr |
| Other Expenses | ₹409.49 Cr | ₹376.52 Cr | ₹324.78 Cr | ₹264.59 Cr | ₹158.3 Cr | ₹123.84 Cr | ₹142.54 Cr |
| Total Expenses | ₹5,029.34 Cr | ₹5,047.27 Cr | ₹3,233.47 Cr | ₹2,445.37 Cr | ₹1,778.56 Cr | ₹1,836.85 Cr | ₹1,233.47 Cr |
| Profit Before Exceptional Items & Tax | ₹1,033.2 Cr | ₹708.87 Cr | ₹1,939.18 Cr | ₹1,105.39 Cr | ₹512.64 Cr | ₹194.29 Cr | ₹450.89 Cr |
| Exceptional Items | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Profit Before Tax | ₹1,033.2 Cr | ₹708.87 Cr | ₹1,939.18 Cr | ₹1,105.39 Cr | ₹512.64 Cr | ₹194.29 Cr | ₹450.89 Cr |
| Total Tax Expense | ₹255.56 Cr | ₹177.47 Cr | ₹493.25 Cr | ₹279.36 Cr | ₹130.5 Cr | ₹51.9 Cr | ₹123.39 Cr |
| Net Profit | ₹777.64 Cr | ₹531.4 Cr | ₹1,445.93 Cr | ₹826.03 Cr | ₹382.14 Cr | ₹142.39 Cr | - |
| attributable to Owners | - | - | - | - | - | - | ₹0 |
| attributable to NCI | - | - | - | - | - | - | ₹0 |
| Other Comprehensive Income | ₹51.13 Cr | -₹27.19 Cr | -₹14.69 Cr | ₹8.41 Cr | -₹85.64 Cr | ₹32.3 Cr | -₹27.33 Cr |
| Total Comprehensive Income | ₹828.77 Cr | ₹504.21 Cr | ₹1,431.24 Cr | ₹834.44 Cr | ₹296.5 Cr | ₹174.69 Cr | ₹300.17 Cr |
| EBITDA (computed) | ₹2,995.36 Cr | ₹2,718.65 Cr | ₹3,722.77 Cr | ₹2,368.11 Cr | ₹1,327 Cr | ₹957.79 Cr | ₹1,043.2 Cr |
| Basic EPS | ₹48.63 | ₹33.32 | ₹90.88 | ₹52.04 | ₹24.54 | ₹9.52 | ₹22.78 |
| Diluted EPS | ₹48.44 | ₹33.24 | ₹90.41 | ₹51.81 | ₹24.44 | ₹9.46 | ₹22.59 |
| Metrics | FY 2026 | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Total Assets | ₹31,930 Cr | ₹27,802 Cr | ₹28,846 Cr | ₹21,858 Cr |
| Property, Plant & Equipment | ₹43.74 Cr | ₹43.58 Cr | ₹32.06 Cr | ₹32.06 Cr |
| Inventories | ₹0 | ₹0 | ₹0 | ₹0 |
| Cash & Equivalents | ₹1,151.28 Cr | ₹1,271.28 Cr | ₹1,107.17 Cr | ₹1,341.4 Cr |
| Equity (Net Worth) | ₹7,842.22 Cr | ₹6,955.94 Cr | ₹6,569.95 Cr | ₹5,106.94 Cr |
| Equity Share Capital | ₹160.2 Cr | ₹159.72 Cr | ₹159.38 Cr | ₹158.91 Cr |
| Total Liabilities | ₹24,088 Cr | ₹20,846 Cr | - | - |
| Metrics | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|
| Operating Cash Flow | -₹2,770.36 Cr | ₹1,125.16 Cr | -₹4,733.89 Cr | -₹3,289.76 Cr | -₹1,968.56 Cr |
| Investing Cash Flow | -₹100.59 Cr | ₹708.33 Cr | -₹994.2 Cr | -₹314.42 Cr | -₹189.25 Cr |
| Financing Cash Flow | ₹2,750.95 Cr | -₹1,669.38 Cr | ₹5,493.86 Cr | ₹3,365.07 Cr | ₹1,684.38 Cr |
| Capital Expenditure | ₹14.78 Cr | ₹26.68 Cr | ₹11.85 Cr | ₹13.72 Cr | ₹17.16 Cr |
| Free Cash Flow (computed) | -₹2,785.14 Cr | ₹1,098.48 Cr | -₹4,745.74 Cr | -₹3,303.48 Cr | -₹1,985.72 Cr |
| Dividends Paid | ₹0 | ₹159.44 Cr | ₹0 | ₹0 | ₹0 |
| Net Change in Cash | -₹120 Cr | ₹164.11 Cr | -₹234.23 Cr | -₹239.11 Cr | -₹473.43 Cr |
| Metrics | Q4 FY26 | Q3 FY26 | Q2 FY26 | Q1 FY26 | Q4 FY25 | Q3 FY25 | Q2 FY25 | Q1 FY25 | Q4 FY24 | Q3 FY24 | Q2 FY24 | Q1 FY24 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue from Operations | ₹1,597.27 Cr | ₹1,490.41 Cr | ₹1,508.35 Cr | ₹1,462.89 Cr | ₹1,406.63 Cr | ₹1,380.38 Cr | ₹1,453.29 Cr | ₹1,512.03 Cr | ₹1,457.49 Cr | ₹1,292.2 Cr | ₹1,246.94 Cr | ₹1,170.03 Cr |
| Interest Earned | ₹1,525.4 Cr | ₹1,434.98 Cr | ₹1,414.13 Cr | ₹1,388.14 Cr | ₹1,354.25 Cr | ₹1,337.62 Cr | ₹1,417.74 Cr | ₹1,437.15 Cr | ₹1,363.17 Cr | ₹1,244.36 Cr | ₹1,187.41 Cr | ₹1,105.17 Cr |
| Other Income | ₹1.31 Cr | ₹90 Lakh | ₹67 Lakh | ₹74 Lakh | ₹1.08 Cr | ₹1.55 Cr | ₹63 Lakh | ₹55 Lakh | ₹1.61 Cr | ₹3.03 Cr | ₹65 Lakh | ₹69 Lakh |
| Total Income | ₹1,598.58 Cr | ₹1,491.31 Cr | ₹1,509.02 Cr | ₹1,463.63 Cr | ₹1,407.71 Cr | ₹1,381.93 Cr | ₹1,453.92 Cr | ₹1,512.58 Cr | ₹1,459.1 Cr | ₹1,295.23 Cr | ₹1,247.59 Cr | ₹1,170.72 Cr |
| Cost of Materials Consumed | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Purchases of Stock-in-Trade | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Changes in Inventories | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Employee Benefit Expense | ₹211.71 Cr | ₹226.85 Cr | ₹219.32 Cr | ₹221.21 Cr | ₹175.36 Cr | ₹178.37 Cr | ₹188.83 Cr | ₹187.79 Cr | ₹194.64 Cr | ₹156.71 Cr | ₹161.76 Cr | ₹156.32 Cr |
| Finance Costs | ₹478.05 Cr | ₹459.34 Cr | ₹479.52 Cr | ₹482.16 Cr | ₹477.78 Cr | ₹474.87 Cr | ₹484.6 Cr | ₹510.31 Cr | ₹482.15 Cr | ₹441.5 Cr | ₹423.87 Cr | ₹384.92 Cr |
| Depreciation & Amortisation | ₹15.69 Cr | ₹16.38 Cr | ₹15.8 Cr | ₹15.22 Cr | ₹15.16 Cr | ₹15.53 Cr | ₹17.19 Cr | ₹14.35 Cr | ₹13.75 Cr | ₹13.06 Cr | ₹12.28 Cr | ₹12.06 Cr |
| Other Expenses | ₹111.69 Cr | ₹107.69 Cr | ₹99.01 Cr | ₹91.1 Cr | ₹105.28 Cr | ₹89.6 Cr | ₹91.03 Cr | ₹90.6 Cr | ₹85.71 Cr | ₹81.76 Cr | ₹83.14 Cr | ₹74.18 Cr |
| Total Expenses | ₹1,153.58 Cr | ₹1,153.39 Cr | ₹1,339.86 Cr | ₹1,382.51 Cr | ₹1,356.63 Cr | ₹1,510.86 Cr | ₹1,201.93 Cr | ₹977.84 Cr | ₹929.73 Cr | ₹819.58 Cr | ₹778.65 Cr | ₹705.52 Cr |
| Profit Before Exceptional Items & Tax | ₹445 Cr | ₹337.92 Cr | ₹169.16 Cr | ₹81.12 Cr | ₹51.08 Cr | -₹128.93 Cr | ₹251.99 Cr | ₹534.74 Cr | ₹529.37 Cr | ₹475.65 Cr | ₹468.94 Cr | ₹465.2 Cr |
| Exceptional Items | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 | ₹0 |
| Profit Before Tax | ₹445 Cr | ₹337.92 Cr | ₹169.16 Cr | ₹81.12 Cr | ₹51.08 Cr | -₹128.93 Cr | ₹251.99 Cr | ₹534.74 Cr | ₹529.37 Cr | ₹475.65 Cr | ₹468.94 Cr | ₹465.2 Cr |
| Total Tax Expense | ₹105.45 Cr | ₹85.83 Cr | ₹43.35 Cr | ₹20.93 Cr | ₹3.87 Cr | -₹29.41 Cr | ₹65.93 Cr | ₹137.08 Cr | ₹132.38 Cr | ₹122.23 Cr | ₹119.73 Cr | ₹118.91 Cr |
| Net Profit | ₹339.55 Cr | ₹252.09 Cr | ₹125.81 Cr | ₹60.19 Cr | ₹47.21 Cr | -₹99.52 Cr | ₹186.06 Cr | ₹397.66 Cr | ₹396.99 Cr | ₹353.42 Cr | ₹349.21 Cr | ₹346.29 Cr |
| Other Comprehensive Income | ₹48.69 Cr | ₹2.63 Cr | ₹2.6 Cr | -₹2.79 Cr | -₹12.62 Cr | ₹7.89 Cr | -₹7.94 Cr | -₹14.52 Cr | -₹9.51 Cr | ₹11.07 Cr | -₹5.03 Cr | -₹11.24 Cr |
| Total Comprehensive Income | ₹388.24 Cr | ₹254.72 Cr | ₹128.41 Cr | ₹57.4 Cr | ₹34.59 Cr | -₹91.63 Cr | ₹178.12 Cr | ₹383.14 Cr | ₹387.48 Cr | ₹364.49 Cr | ₹344.18 Cr | ₹335.05 Cr |
| EBITDA (computed) | ₹938.74 Cr | ₹813.64 Cr | ₹664.48 Cr | ₹578.5 Cr | ₹544.02 Cr | ₹361.47 Cr | ₹753.78 Cr | ₹1,059.4 Cr | ₹1,025.27 Cr | ₹930.21 Cr | ₹905.09 Cr | ₹862.18 Cr |
| Basic EPS | ₹21.20 | ₹15.76 | ₹7.87 | ₹3.77 | ₹2.96 | ₹-6.24 | ₹11.67 | ₹24.95 | ₹24.93 | ₹22.21 | ₹21.95 | ₹21.79 |
| Diluted EPS | ₹21.11 | ₹15.68 | ₹7.83 | ₹3.76 | ₹2.95 | ₹-6.24 | ₹11.61 | ₹24.82 | ₹24.78 | ₹22.06 | ₹21.82 | ₹21.67 |
Board & Governance of Creditaccess Grameen Limited
As per the corporate governance filing with NSE for the quarter ended 31-MAR-2026, the board of Creditaccess Grameen Limited has 8 directors - 3 independent and 1 executive. The board is chaired by MANOJ KUMAR.
| Director | Position | On board since | Listed boards |
|---|---|---|---|
| MANOJ KUMAR | Non-Executive - Independent Director · Chairperson | 2019-10-30 | 1 |
| PAOLO BRICHETTI | Non-Executive - Non Independent Director | 2022-10-21 | 1 |
| GANESH NARAYANAN | Executive Director · CEO-MD | 2025-08-05 | 1 |
| UDAYA KUMAR HEBBAR | Non-Executive - Nominee Director | 2025-08-05 | 1 |
| LILIAN JESSIE PAUL | Non-Executive - Independent Director | 2020-09-16 | 3 |
| MASSIMO VITA | Non-Executive - Nominee Director | 2017-07-25 | 1 |
| SUMIT KUMAR | Non-Executive - Nominee Director | 2016-08-16 | 1 |
| REKHA GOPAL WARRIAR | Non-Executive - Independent Director | 2022-10-21 | 3 |
| Committee | Members |
|---|---|
| Audit Committee | REKHA GOPAL WARRIAR (Chairperson), MANOJ KUMAR, LILIAN JESSIE PAUL, MASSIMO VITA |
| Nomination and remuneration committee | LILIAN JESSIE PAUL (Chairperson), PAOLO BRICHETTI, MANOJ KUMAR |
| Stakeholders Relationship Committee | LILIAN JESSIE PAUL (Chairperson), MASSIMO VITA, UDAYA KUMAR HEBBAR |
| Risk Management Committee | MASSIMO VITA (Chairperson), REKHA GOPAL WARRIAR, SUMIT KUMAR, UDAYA KUMAR HEBBAR, GANESH NARAYANAN |
| Corporate Social Responsibility Committee | GANESH NARAYANAN (Chairperson), MASSIMO VITA, LILIAN JESSIE PAUL, MANOJ KUMAR |
Charges & Borrowings of Creditaccess Grameen Limited
| Date | Lender | Amount | Status |
|---|---|---|---|
| 30 Jun 2026 | Karnataka Bank Ltd. | ₹200 Cr | Open |
| 29 Jun 2026 | Others | ₹150 Cr | Open |
| 23 Jun 2026 | Yes Bank Limited | ₹100 Cr | Open |
| 10 Jun 2026 | Hdfc Bank Limited | ₹350 Cr | Open |
| 29 May 2026 | Others | ₹300 Cr | Open |
Total charge records: 671 View all charges
Employees and EPFO Compliance at Creditaccess Grameen Limited
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Employee and EPFO history for Creditaccess Grameen Limited
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GST Compliance of Creditaccess Grameen Limited
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Credit Ratings, Litigation & Regulatory Alerts for Creditaccess Grameen Limited
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MSME Payment Delays by Creditaccess Grameen Limited
MSME payment history for Creditaccess Grameen Limited
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Subsidiaries & Group Companies of Creditaccess Grameen Limited
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MCA Filings & Documents of Creditaccess Grameen Limited
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Recent Activity on Creditaccess Grameen Limited
Recent News on Creditaccess Grameen Limited
Frequently Asked Questions about Creditaccess Grameen Limited
Creditaccess Grameen Limited is an active public limited company in the financial services sector based in Bangalore South, Karnataka, India. It was incorporated on 12 June 1991 (35+ years old) and is registered under CIN L51216KA1991PLC053425. Listed on BSE: 541770 and NSE: CREDITACC. The company has 19,395 employees.
Creditaccess Grameen Limited reported revenue of ₹6,058.92 Cr for FY 2026 (up 5.33% YoY) based on consolidated NSE filings.
The current directors of Creditaccess Grameen Limited are:
- Udaya Kumar Hebbar - Nominee Director
- Massimo Vita - Nominee Director
- Sumit Kumar - Nominee Director
- Lilian Jessie Paul - Director
- Manoj Kumar - Director
- Paolo Brichetti - Director
- Rekha Gopal Warriar - Director
- Ganesh Narayanan - Managing Director
The primary industry of Creditaccess Grameen Limited is financial services. The company specifically operates in microfinance institutions. The company is currently active in this sector.
Yes. Creditaccess Grameen Limited is listed on both BSE (code: 541770) and NSE (symbol: CREDITACC).
Creditaccess Grameen Limited can be reached at the registered office: New No.49Oldno725 46Th Cross, 8Th Block Jayanagar Next To Rajalakshmi Kalyana Mantapa, Bangalore South, Karnataka, India – 560070, or through the website creditaccessgrameen.in.