Creditaccess Grameen Limited - financial services in Bangalore South, Karnataka, India. FY 2026 financials and compliance.
CIN L51216KA1991PLC053425 Incorporated 12 June 1991 ROC Bangalore HQ Bangalore South, Karnataka, India
Active Listed - NSE: CREDITACC · BSE: 541770 Public Limited Company financial services
Data last updated
Revenue · FY 2026
₹6,058.92 Cr
▲ 5.33% YoY
EBITDA · FY 2026
₹2,995.36 Cr
▲ 10.18% YoY
Net profit · FY 2026
₹777.64 Cr
▲ 46.34% YoY
Authorised capital
₹170 Cr
Registered with MCA
Paid-up capital
₹160.26 Cr
Issued & subscribed
Open charges
₹42,035 Cr
Satisfied ₹42,998 Cr
Company age
35 yrs
Est. 1991
Employees · EPFO
19,395
Latest available

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 L51216KA1991PLC053425. 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 the financials filed for FY 2025, the company reported a revenue of ₹5,756.14 Cr, a growth of 11.28% compared to the previous year.

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.. Its group structure includes 1 subsidiary.

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.

Company Details of Creditaccess Grameen Limited
CIN L51216KA1991PLC053425
Registration Number 053425
Incorporation Date 12 June 1991
ROC Bangalore
Listing Status Listed (BSE: 541770, NSE: CREDITACC)
Company Status Active
Date of Last AGM 30 July 2025
Date of Balance Sheet 31 March 2025
Parent Company Creditaccess India B.V.
Compliance Status Active Compliant
Contact Details
  • Email
    *****@*****.com
  • Telephone
    +91-****-******
  • Social Media
  • Registered Address
    New No.49(Oldno725) 46Th Cross, 8Th Block Jayanagar (Next To Rajalakshmi Kalyana Mantapa), Bangalore South, Karnataka, India – 560070
  • Industry
    Financial Services, Microfinance Institutions, NBFC
Company report
Creditaccess Grameen Limited - full intelligence report
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Financials, compliance, directors, charges, ownership and filings for Creditaccess Grameen Limited in one report.

10-year financials Directors & ownership Charges & compliance

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 AU Small Finance Bank Collateralised loans for commercial vehicles are extended to rural entrepreneurs. Jaipur, India, India 1996
Ujjivan Small Finance Bank Ujjivan Small Finance Bank Small finance services are extended to underserved segments in India. Bengaluru, India, India 2005
ESAF ESAF Microfinance banking services are offered in India by ESAF. Thrissur, India, India 1992
Jana Small Finance Bank Jana Small Finance Bank Microfinance bank Bengaluru, India, India 1999
Suryoday Suryoday Small finance bank offering savings accounts, deposits, and loan products Mumbai, India, India 2008
Equitas Small Finance Bank Equitas Small Finance Bank Small finance bank Chennai, India, India 2007
Utkarsh Bank Utkarsh Bank Small finance bank Varanasi, India, India 2009
Capital Small Finance Bank Capital Small Finance Bank Microfinance services including savings accounts and loans are provided. Jalandhar, India, India 2016
Satin Creditcare Satin Creditcare Micro loans for businesses are offered by this NBFC. Delhi, India, India 1990
Bharat Financial Inclusion 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
********* Financial and insurance Service ********* Other financial activities *********

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 10 directors, with 34 former directors having served the organization. The current Directors play a crucial role in shaping the company's strategic direction and governance.

Current Directors
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 10 Months Current
Lilian Jessie Paul Director 16 Sep 2020 5 Years 9 Months Current
Manoj Kumar Director 30 Oct 2019 6 Years 8 Months Current
Paolo Brichetti Director 21 Oct 2022 3 Years 8 Months Current
Showing 6 of 10 current directors. View all directors

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. Profit growth despite declining revenue indicates effective cost management and margin discipline.

Revenue · FY 2026
₹6,058.92 Cr ▲ 5.33%
Profit · FY 2026
₹777.64 Cr ▲ 46.34%
EBITDA · FY 2026
₹2,995.36 Cr ▲ 10.18%
Revenue₹ Cr · Consolidated02,5005,0007,500FY 2020: ₹1,704 Cr1,704FY 2020FY 2021: ₹2,461 Cr · +44.4% YoY2,461+44.4%FY 2021FY 2022: ₹2,743 Cr · +11.5% YoY2,743+11.5%FY 2022FY 2023: ₹3,545 Cr · +29.3% YoY3,545+29.3%FY 2023FY 2024: ₹5,167 Cr · +45.7% YoY5,167+45.7%FY 2024FY 2025: ₹5,752 Cr · +11.3% YoY5,752+11.3%FY 2025FY 2026: ₹6,059 Cr · +5.3% YoY6,059+5.3%FY 2026
Net Profit₹ Cr · Consolidated05001,0001,500FY 2020: ₹335 Cr335FY 2020FY 2021: ₹131 Cr · -60.8% YoY131-60.8%FY 2021FY 2022: ₹357 Cr · +171.8% YoY357+171.8%FY 2022FY 2023: ₹826 Cr · +131.3% YoY826+131.3%FY 2023FY 2024: ₹1,446 Cr · +75% YoY1,446+75%FY 2024FY 2025: ₹531 Cr · -63.2% YoY531-63.2%FY 2025FY 2026: ₹778 Cr · +46.3% YoY778+46.3%FY 2026
Quarterly Revenue₹ Cr · vs same quarter last year01,0002,000Q1'25: ₹1,512 Cr · +29.2% YoY1,512+29.2%Q1'25Q2'25: ₹1,453 Cr · +16.5% YoY1,453+16.5%Q2'25Q3'25: ₹1,380 Cr · +6.8% YoY1,380+6.8%Q3'25Q4'25: ₹1,407 Cr · -3.5% YoY1,407-3.5%Q4'25Q1'26: ₹1,463 Cr · -3.2% YoY1,463-3.2%Q1'26Q2'26: ₹1,508 Cr · +3.8% YoY1,508+3.8%Q2'26Q3'26: ₹1,490 Cr · +8% YoY1,490+8%Q3'26Q4'26: ₹1,597 Cr · +13.6% YoY1,597+13.6%Q4'26
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 - -
The balance sheet became part of the exchange results-filing format in FY2023 - earlier years were not filed and are hidden.
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
The cash-flow statement became part of the exchange results-filing format in FY2022 - earlier years were not filed and are hidden.
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
Latest 12 quarters shown of 24 on record.
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 - -
The balance sheet became part of the exchange results-filing format in FY2023 - earlier years were not filed and are hidden.
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
The cash-flow statement became part of the exchange results-filing format in FY2022 - earlier years were not filed and are hidden.
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
Latest 12 quarters shown of 24 on record.
Want more history and ratios?
You're viewing the latest exchange-filed financials for Creditaccess Grameen Limited. The full report adds 10+ years of line-item history, 20+ ratios, peer benchmarks and a downloadable PDF.
10+ years of history 20+ ratios & benchmarks Downloadable PDF

Shareholding Pattern of Creditaccess Grameen Limited

As per the shareholding pattern filed with NSE for the quarter ended Mar 2026, promoters hold 66.24%, foreign institutional investors hold 12.94%, domestic institutional investors hold 12.59%, retail and other public shareholders hold 8.24% of Creditaccess Grameen Limited. The company had 83,884 shareholders on record.

Promoters: 66.24%DII (Domestic Institutional): 12.59%FII (Foreign Institutional): 12.94%Retail & Others: 8.24%
Mar 2026
QUARTER
66.24% Promoters
12.59% DII (Domestic Institutional)
12.94% FII (Foreign Institutional)
8.24% Retail & Others
Promoter holding - history
Now 66.24% · Mar 2026High 80.30% · Aug 2018Low 66.24% · Mar 2026
65%69.3%73.5%77.8%82%Aug 2018Jun 2020Mar 2022Mar 2024Mar 2026Aug 2018: 80.30%Sep 2018: 80.30%Dec 2018: 80.26%Mar 2019: 80.19%Jun 2019: 80.14%Sep 2019: 80.05%Dec 2019: 80.01%Mar 2020: 79.94%Jun 2020: 79.91%Sep 2020: 79.87%Oct 2020: 74.06%Dec 2020: 74.03%Mar 2021: 73.99%Jun 2021: 73.97%Sep 2021: 73.91%Dec 2021: 73.89%Mar 2022: 73.85%Jun 2022: 73.82%Sep 2022: 73.74%Dec 2022: 73.71%Mar 2023: 73.68%Jun 2023: 66.77%Sep 2023: 66.69%Dec 2023: 66.66%Mar 2024: 66.58%Jun 2024: 66.56%Sep 2024: 66.54%Dec 2024: 66.50%Mar 2025: 66.43%Jun 2025: 66.43%Sep 2025: 66.37%Dec 2025: 66.28%Mar 2026: 66.24%80.30%66.24%
Shareholding trend - last 6 quarters
Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024
Promoters66.24%66.28%66.37%66.43%66.43%66.50%
Public33.76%33.72%33.63%33.57%33.57%33.50%
Shareholding history - year on year (as at 31 March)
Mar 2026Mar 2025Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019
Promoters66.24%66.43%66.58%73.68%73.85%73.99%79.94%80.19%
Public33.76%33.57%33.42%26.32%26.15%26.01%20.06%19.81%
Promoter change (YoY, %pts)-0.19-0.15-7.10-0.17-0.14-5.95-0.25-

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.

DirectorPositionOn board sinceListed 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
Board Committees
CommitteeMembers
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

Group Structure of Creditaccess Grameen Limited

Creditaccess Grameen Limited has 1 subsidiary company. This group structure data is as of FY 2024. The corporate group structure reflects Creditaccess Grameen Limited's business expansion strategy and organizational complexity.

1
Subsidiary companies
Key Subsidiaries
Company Name CIN Shares Held
Creditaccess India Foundation U85300KA2021NPL147906 -

Showing major subsidiaries. Total: 1.

Charges & Borrowings of Creditaccess Grameen Limited

Open charges
₹42,035 Cr
Satisfied charges
₹42,998 Cr
Breakdown by lending institutions
Others₹29,557.70 Cr
Axis Bank Limited₹3,200.00 Cr
Yes Bank Limited₹2,525.00 Cr
Sidbi₹1,700.00 Cr
The Hongkong and Shanghai Banking Corporation Limited₹1,070.00 Cr
Others₹3,982.50 Cr
Latest charge details
DateLenderAmountStatus
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

Creditaccess Grameen Limited has a workforce of 19,395 employees as of Mar 10, 2025.

Employee count
19,395
Active EPFO establishments
1
Employee growth
11.44%
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026

Employee Count & EPFO Data of Creditaccess Grameen Limited

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Monthly employee headcount & PF contributions
EPFO establishment details & ECR filing status
Year-wise workforce analytics & attrition trends
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GST Compliance of Creditaccess Grameen Limited

XX%
Compliant
GSTR-1
GSTR-3B
GSTR-9
MH
KA
UP
TN
TS

GSTIN & GST Filing Data of Creditaccess Grameen Limited

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GSTIN registrations & state-wise presence
Filing compliance - GSTR-1, GSTR-3B, GSTR-9
HSN/SAC codes with goods & services details
Taxpayer type, jurisdiction & business constitution

Credit Ratings, Litigation & Regulatory Alerts for Creditaccess Grameen Limited

Credit rating
AAA
AA+
AA
AA-
! !
2015 2017 2019 2021 2023
Litigation
District Court 35
High Court 45
Supreme Court 0
NCLT / NCLAT 0
Pending
Disposed
Regulatory alerts
GSTIN Cancelled
Andhra Pradesh
GSTIN Cancelled
Telangana (on application)
EPFO Delay
12 months delay - Haryana
Violations via Directors
20 MCA + 19 Bank defaults

Credit Ratings, Legal Cases & Regulatory Alerts of Creditaccess Grameen Limited

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Credit rating history across CARE, ICRA, Brickwork & India Ratings
Instrument-wise ratings, outlook & action timeline
Court-wise litigation (District, High Court, Supreme Court, NCLT)
Group company & common directorship litigation
Statutory compliance alerts (GSTIN, EPFO, ROC)
Director & company violations (MCA, SEBI, Banks, BSE/NSE)

MSME Payment Delays by Creditaccess Grameen Limited

MSME Payment Delays by Creditaccess Grameen Limited

Track payments outstanding to micro and small enterprise vendors, as disclosed in half-yearly MSME-1 returns filed with the MCA.

Amounts outstanding to MSME suppliers
Delay periods & reasons for delayed payments
Half-yearly MSME-1 filing history
Vendor-payment behaviour as a counterparty risk signal

Subsidiaries & Group Companies of Creditaccess Grameen Limited

Subsidiaries & Group Companies of Creditaccess Grameen Limited

See the full corporate group - holding company, subsidiaries, associates and joint ventures of Creditaccess Grameen Limited with ownership details.

Holding & parent company details
Subsidiaries & step-down subsidiaries with % holding
Associates & joint ventures with partner details
Investments in other entities year-on-year

MCA Filings & Documents of Creditaccess Grameen Limited

MCA Filings & Documents of Creditaccess Grameen Limited

Download official documents filed with the Ministry of Corporate Affairs - from incorporation papers to the latest annual filings.

Incorporation documents, MoA & AoA
Annual returns (MGT-7) & financial statements (AOC-4)
Charge filings (CHG-1, CHG-4) & resolutions
Complete document index with filing dates

Recent Activity on Creditaccess Grameen Limited

Charges
30 Jun 2026
A charge with Karnataka Bank Ltd. amounted to Rs. 200.00 Cr with Charge ID 101317988 was registered on 30 Jun 2026.
Charges
29 Jun 2026
A charge with Others amounted to Rs. 150.00 Cr with Charge ID 101318643 was registered on 29 Jun 2026.
Charges
23 Jun 2026
A charge with Yes Bank Limited amounted to Rs. 100.00 Cr with Charge ID 101314799 was registered on 23 Jun 2026.
Charges
23 Jun 2026
A charge registered on 11 May 2023 via Charge ID 100723176 with Others was fully satisfied on 23 Jun 2026.
Charges
22 Jun 2026
A charge registered on 26 Apr 2023 via Charge ID 100714658 with Others was fully satisfied on 22 Jun 2026.
Charges
17 Jun 2026
A charge registered on 23 Sep 2022 via Charge ID 100613318 with Others was fully satisfied on 17 Jun 2026.

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 ₹5,756.14 Cr for FY 2025 (up 11.28% YoY).

The current directors of Creditaccess Grameen Limited are:

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.

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Financials, directors, compliance, charges and shareholding - sourced from MCA, SEBI and RBI filings.

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