CreditAccess Grameen Ltd (CREDITACC) — shareholding pattern, promoter holding, financials and share price
About CreditAccess Grameen Ltd (CREDITACC)
CreditAccess Grameen Ltd operates in the Microfinance Institutions industry, within the Financial Services sector. It trades on the NSE as CREDITACC and on the BSE under scrip code 541770. Its ISIN is INE741K01010.
CreditAccess Grameen Limited is registered as a non-deposit accepting NBFC - Microfinance Institution with the RBI. It is engaged in providing microfinance services to women who are enrolled as members and organized as Joint Liability Groups. It also uses its distribution channel to provide certain other financial products and services to the members. [1]
CreditAccess Grameen Limited is a Bengaluru-headquartered microfinance institution focused on providing affordable financial products to women in Joint Liability Groups (JLG) across rural areas in India. It has expanded its branch network to 2,222 locations as a part of a strategic growth initiative, enhancing its already extensive reach.
The company's financial performance in Q3 FY26 showed recovery and growth, with disbursements reaching INR 5,767 crore, reflecting a 13.4% YoY increase. This growth is driven by strong asset quality normalization and improved credit discipline across core markets.
Listed peers in Microfinance Institutions: PNB Housing Finance Ltd, TVS Holdings Ltd, Capri Global Capital Ltd, IIFL Finance Ltd, Aadhar Housing Finance Ltd, IFCI Ltd.
Valuation & Returns
10 Jul 2026At ₹1,538 a share on 10 Jul 2026, CreditAccess Grameen Ltd (CREDITACC) was valued at a price-to-earnings ratio of 31.7x against an industry P/E of 19.5x and a price-to-book of 3.14x on a book value of ₹489.35 per share as of Mar 2026. Solomo computes return on equity of 9.92% and return on capital employed of 9.31% from filed results. Earnings ratios use consolidated results for the twelve months Jun 2025 to Mar 2026.
- P/E
- 31.7x
- Industry P/E
- 19.5x
- P/B
- 3.14x
- EPS (TTM)
- ₹48.52
- Book value / share
- ₹489.35
- ROE
- 9.92%
- ROCE
- 9.31%
- ROA
- 2.44%
- Debt / equity
- 3.01x
- Dividend yield
- 52.76%
- EBITDA margin
- 49.44%
- 52-week range
- ₹1,112.9 – ₹1,609
Ratios are computed from filed results and the last recorded price. Not investment advice.
Financial Performance
Mar 2026In the year ended Mar 2026, CreditAccess Grameen Ltd (CREDITACC) reported revenue of ₹6,059 crore, net profit of ₹778 crore and earnings per share of ₹48.54. That compares with revenue of ₹5,752 crore and net profit of ₹531 crore in Mar 2025. Figures are consolidated, as filed with the exchanges.
In the quarter ended Mar 2026, revenue was ₹1,597 crore and net profit ₹340 crore (consolidated).
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue (₹ cr) | 2,669 | 3,487 | 5,167 | 5,752 | 6,059 |
| Net profit (₹ cr) | 353 | 826 | 1,446 | 531 | 778 |
| EPS (₹) | 22.65 | 52.87 | 90.72 | 33.27 | 48.54 |
| Measure | 10Y | 5Y | 3Y | 1Y |
|---|---|---|---|---|
| Sales growth | 27.06% | 24.47% | 20.22% | 5.33% |
| Profit growth | 29.63% | 40.43% | -1.99% | 46.34% |
| Stock price CAGR | - | 15% | 5% | 15% |
Ownership Summary
Jun 2026As of Jun 2026, promoters hold 66.21% of CreditAccess Grameen Ltd (CREDITACC) (down 0.03 pp QoQ), foreign institutional investors (FII) hold 13.48% and domestic institutional investors (DII) hold 12.67%. Market capitalisation was ₹24,648 crore on 10 Jul 2026. Shareholding is filed quarterly with BSE and NSE; Solomo carries every filing back to Sep 2018.
Largest disclosed public shareholders in Jun 2026: GOVERNMENT PENSION FUND GLOBAL 2.07%, SCHRODER INTERNATIONAL SELECTION FUND GLOBAL EMERG 1.91%, EDELWEISS TRUSTEESHIP CO LTD AC- EDELWEISS MF AC- 1.85%, AXIS MUTUAL FUND TRUSTEE LTD. A/C AXIS MUTUAL FUND 1.16%, HDFC MUTUAL FUND - HDFC BSE 500 ETF 1.03%, CANARA ROBECO MUTUAL FUND A/C CANARA ROBECO SMALL 1.03%. Only stakes above the 1% disclosure threshold are named in filings.
| Quarter | Promoter | Pledged | FII | DII | Public |
|---|---|---|---|---|---|
| Jun 2026 | 66.21% | - | 13.48% | 12.67% | 33.79% |
| Mar 2026 | 66.24% | - | 12.94% | 12.59% | 33.76% |
| Dec 2025 | 66.28% | - | 11.68% | 13.23% | 33.72% |
| Sep 2025 | 66.37% | - | 12.29% | 13.33% | 33.63% |
| Jun 2025 | 66.43% | - | 12.13% | 12.76% | 33.57% |
| Mar 2025 | 66.43% | - | 11.38% | 12.68% | 33.57% |
| Dec 2024 | 66.5% | - | 9.76% | 14.18% | 33.5% |
| Sep 2024 | 66.54% | - | 10.76% | 14.86% | 33.46% |