CREDITACCESS GRAMEEN LIMITED

Web: creditaccessgrameen.in NSE: CREDITACC BSE: 541770 SECTOR: Financial Services - Finance | Add Note | View Notes

1450 12(1%)

Volume

2L as on 03, Sep

Open

1,330

High

855

Low

838

1,437

VWAP

1,429

52 Week High

1,634

52 Week Low

1,113

Viand Research Rating

Quality Score

56/100

Growth Score

40/100

Valuation Score

50/100

Momentum Score

25/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

23,263

No. of Shares

P/E

10.81

P/B

2.46

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

22.79

ROCE

Profit Growth

Listing Date

23-Aug-18

Promoter Holding

66.21%

FII Holding

13.48%

DII Holding

12.67%

Price Chart

Price Performance

1 Week1%

1 Month8%

3 Months13%

6 Months19%

1 Year6%

YTD14%

Moving Average

5 Day SMA1,398

10 Day SMA1,421

20 Day SMA1,478

30 Day SMA1,508

50 Day SMA1,510

61 Day SMA1,485

80 Day SMA1,440

200 Day SMA1,345

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	1,471	1,417	1,441	1,478
Resistance 2	1,441	1,412	1,422	1,444
Resistance 1	1,422	1,408	1,411	1,429
Pivot Point	1,392	1,403	1,392	1,396
Support 1	1,373	1,399	1,374	1,381
Support 2	1,343	1,394	1,362	1,347
Support 3	1,325	1,390	1,343	1,332

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,02,653	712	1%	6%	20%	26%	15	40.9	0	79219
2	ICICIBANK	10,28,335	1423	1%	2%	4%	2%	16	40.9	0	57936
3	SBIN	9,43,185	1016	2%	2%	14%	26%	11	40.9	0	86666
4	BAJFINANCE	6,57,612	1060	3%	9%	7%	12%	28	40.9	0	19332
5	LICI	5,29,086	418	1%	3%	50%	53%	9	40.9	0	57453
6	KOTAKBANK	4,23,124	424	1%	6%	2%	78%	20	40.9	0	19288
7	AXISBANK	3,96,596	1273	1%	0%	8%	21%	15	40.9	0	26548
8	BAJAJFINSV	3,16,023	1970	1%	5%	3%	1%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,44,475	1041	5%	4%	1%	78%	21	40.9	0	10024
10	SBILIFE	1,76,519	1775	3%	10%	16%	4%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021
Promoters	(0.01) 66.21%	(0.01) 66.24%	(-0.11) 66.28%	(-0.11) 66.37%	(0.01) 66.43%	(-0.11) 66.43%	(0.01) 66.50%	(0.01) 66.54%	(0.01) 66.56%	(-0.11) 66.58%	(0.01) 66.66%	(-0.11) 66.69%	(-6.91) 66.77%	(0.01) 73.68%	(0.01) 73.71%	(-0.11) 73.74%	(0.01) 73.82%	(0.01) 73.85%	(0.01) 73.89%	(0.01) 73.91%
FIIs	(0.51) 13.48%	(1.31) 12.94%	(-0.61) 11.68%	(0.21) 12.29%	(0.81) 12.13%	(1.61) 11.38%	(-1.01) 9.76%	(-0.11) 10.76%	(-0.81) 10.88%	(-0.41) 11.65%	(0.51) 12.00%	(1.91) 11.46%	(-0.11) 9.55%	(0.11) 9.67%	(0.31) 9.60%	(0.71) 9.33%	(0.41) 8.67%	(-0.61) 8.24%	(-0.41) 8.84%	(0.01) 9.29%
DIIs	(0.11) 12.67%	(-0.61) 12.59%	(-0.11) 13.23%	(0.61) 13.33%	(0.11) 12.76%	(-1.51) 12.67%	(-0.71) 14.17%	(-1.41) 14.86%	(0.51) 16.25%	(0.01) 15.76%	(0.01) 15.79%	(3.91) 15.78%	(-0.41) 11.90%	(-0.31) 12.27%	(-0.21) 12.53%	(1.91) 12.68%	(-0.21) 10.75%	(0.91) 10.94%	(-0.21) 10.04%	(0.01) 10.28%
Public	7.64%	8.23%	8.81%	8.02%	8.67%	9.50%	9.57%	7.83%	6.31%	6.01%	5.57%	6.08%	11.77%	4.38%	4.16%	4.25%	6.76%	6.97%	7.23%	6.52%
No. of Shareholders	79,071	83,884	85,666	83,943	101,902	119,819	125,004	103,928	83,603	69,824	57,989	51,172	40,622	41,979	40,891	39,645	34,142	34,568	39,559	40,033

Quarterly Results

	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021	Jun 2021
Sales	1783	1597	1490	1508	1463	1407	1380	1453	1512	1457	1292	1247	1170	1065	908	812	760	822	687	617	616
Sales Growth % (YoY)	21.9%	13.6%	8%	3.8%	-3.2%	-3.5%	6.8%	16.6%	29.2%	36.8%	42.3%	53.5%	54%	29.6%	32.1%	31.6%	23.3%	13.5%	26.9%	-	-
Sales Growth % (QoQ)	11.6%	7.2%	-1.2%	3.1%	4%	2%	-5%	-3.9%	3.8%	12.8%	3.6%	6.6%	9.9%	17.3%	11.8%	6.8%	-7.5%	19.7%	11.3%	0.2%	-
Expenses	558	660	678	845	885	864	1020	700	453	434	365	345	306	311	293	299	280	327	283	299	328
Operating Profit	675	459	353	184	96	65	-115	269	549	542	486	478	479	409	301	240	200	228	165	90	39
OPM %	38	29	24	12	7	5	-8	18	36	37	38	38	41	38	33	30	26	28	24	15	6
Other Income	1	1	1	1	1	1	2	1	1	2	3	1	1	1	2	2	1	3	2	1	1
Interest	550	478	459	480	482	478	475	485	510	482	442	424	385	346	314	273	280	267	239	229	249
Depreciation	16	16	16	16	15	15	16	17	14	14	13	12	12	12	13	13	12	12	12	12	11
Profit before tax	660	445	338	169	81	51	-129	252	535	529	476	467	467	398	290	229	189	218	156	79	29
Tax %	25	24	25	26	26	8	-23	26	26	25	26	26	25	25	25	24	27	26	25	24	29
Net Profit	493	340	252	126	60	47	-100	186	398	397	353	347	348	297	217	175	139	160	117	60	20
Net Profit Growth % (QoQ)	45%	34.9%	100%	110%	27.7%	147%	-153.8%	-53.3%	0.3%	12.5%	1.7%	-0.3%	17.2%	36.9%	24%	25.9%	-13.1%	36.8%	95%	200%	-
Net Profit Growth % (YoY)	721.7%	623.4%	352%	-32.3%	-84.9%	-88.2%	-128.3%	-46.4%	14.4%	33.7%	62.7%	98.3%	150.4%	85.6%	85.5%	191.7%	595%	-	-	-	-
TTM Net Profit	1211	778	485	133	193	531	881	1334	1495	1445	1345	1209	1037	828	691	591	476	357	197	80	0
EPS in Rs	30.79	21.2	15.75	7.87	3.77	2.96	-6.24	11.67	24.95	24.91	22.2	21.81	22.3	18.98	13.59	11.22	8.89	10.08	7.69	4.08	1.45

Profit and Loss

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019
Sales	6059	5752	5167	3487	2669	2461	1704	1282
Sales Growth %	5.3%	11.3%	48.2%	30.7%	8.4%	44.4%	32.9%	-
Expenses	3061	3030	1444	1179	1235	1308	640	361
Operating Profit	1093	767	1984	1092	447	219	481	504
OPM %	18	13	38	31	17	9	28	39
Other Income	4	4	6	64	81	5	1	1
Interest	1905	1955	1738	1216	987	933	584	417
Depreciation	63	62	51	50	47	44	20	8
Profit before tax	1033	709	1939	1105	481	180	462	498
Tax %	25	25	25	25	27	27	27	35
Net Profit	778	531	1446	826	353	131	335	322
Net Profit Growth %	46.5%	-63.3%	75.1%	134%	169.5%	-60.9%	4%	-
EPS in Rs	48.54	33.27	90.72	52.87	22.65	8.61	23.17	22.41
Dividend Payout %	0	0	11	0	0	0	0	0

Cash Flows

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019
Cash from Operating Activity	-2770	1125	-4734	-3290	-2713	-455	-2228	-1378
Cash from Investing Activity	-101	708	-994	-314	-33	24	-638	-7
Cash from Financing Activity	2751	-1669	5494	3365	1967	2146	2921	1829
Net Cash Flow	-120	164	-234	-239	-780	1715	54	444

Balance Sheet

	Mar 2026	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019
Equity Capital	160	160	160	159	159	159	156	156	144	144
Reserves	7682	7004	6796	6829	6411	4948	4011	3536	2590	2222
Borrowings	0	0	0	0	0	0	0	0	0	0
Other Liabilities	447	411	401	471	460	439	394	427	316	126
Total Liabilities	31930	27679	27802	26613	28871	21858	17482	15060	12590	7357
Fixed Assets	588	585	604	628	609	599	629	573	576	25
CWIP	0	0	4	0	5	4	3	1	3	2
Investments	1075	1238	893	1303	1439	455	1	1	46	0
Other Assets	30267	25856	26302	24682	26818	20801	16849	14486	11965	7330
Total Assets	31930	27679	27802	26613	28871	21858	17482	15060	12590	7357

Delivery

Delivery Data: CREDITACC

#	Date	1349 21% 1634	Value (Cr)	Q/T 13	Del 46	Del 81
1	4-Sep	1443	32	8	58	18
2	3-Sep	1437	34	9	48	16
3	2-Sep	1403	55	9	66	37
4	1-Sep	1393	78	11	53	41
5	31-Aug	1364	48	10	66	31
6	28-Aug	1392	68	11	47	32
7	27-Aug	1426	55	8	65	35
8	26-Aug	1440	44	8	58	25
9	25-Aug	1416	49	11	63	31
10	24-Aug	1442	78	14	61	48
11	21-Aug	1496	49	12	53	26
12	20-Aug	1534	9	6	45	4
13	19-Aug	1519	8	6	49	4
14	18-Aug	1525	14	7	53	7
15	17-Aug	1539	8	6	43	3
16	14-Aug	1549	48	15	55	26
17	13-Aug	1542	17	9	54	9
18	12-Aug	1545	48	18	55	26
19	11-Aug	1540	34	14	59	20
20	10-Aug	1530	42	19	66	28
21	7-Aug	1524	34	17	58	20
22	6-Aug	1547	36	11	53	19
23	5-Aug	1528	58	14	52	30
24	4-Aug	1558	21	10	48	10
25	3-Aug	1558	45	11	48	22
26	31-Jul	1593	89	11	51	45
27	30-Jul	1614	91	15	48	44
28	29-Jul	1590	27	8	52	14
29	28-Jul	1577	42	13	39	17
30	27-Jul	1591	608	21	26	159
31	24-Jul	1518	50	11	56	28
32	23-Jul	1504	26	8	48	12
33	22-Jul	1489	33	8	63	21
34	21-Jul	1535	40	13	52	21
35	20-Jul	1498	34	11	54	18
36	17-Jul	1478	43	12	60	26
37	16-Jul	1495	26	10	49	13
38	15-Jul	1478	39	14	48	19
39	14-Jul	1469	51	12	59	30
40	13-Jul	1540	45	10	65	29
41	10-Jul	1529	50	11	51	26
42	9-Jul	1546	40	11	55	22
43	8-Jul	1537	53	11	53	28
44	7-Jul	1582	63	14	60	38
45	6-Jul	1587	91	12	44	40
46	3-Jul	1557	88	13	52	46
47	2-Jul	1543	55	13	49	27
48	1-Jul	1502	35	11	48	17
49	30-Jun	1490	75	13	47	36
50	29-Jun	1432	41	10	53	22

Daily Market Cap

Date	Total Market Cap	Change	Chg %
04-Sep	23,263c	273c	1.19
03-Sep	22,990c	1,051c	4.79
01-Sep	21,939c	31c	0.14
31-Aug	21,969c	767c	3.37
27-Aug	22,736c	136c	0.60
26-Aug	22,873c	196c	0.86
25-Aug	22,677c	422c	1.83
24-Aug	23,099c	1,117c	4.61
21-Aug	24,216c	247c	1.01
19-Aug	24,463c	16c	0.07
18-Aug	24,447c	157c	0.64
17-Aug	24,604c	260c	1.05
14-Aug	24,864c	136c	0.55
13-Aug	24,727c	24c	0.10
12-Aug	24,752c	8c	0.03
11-Aug	24,744c	249c	1.01
10-Aug	24,495c	16c	0.07
07-Aug	24,511c	199c	0.80
06-Aug	24,710c	410c	1.69
05-Aug	24,300c	648c	2.60
04-Aug	24,947c	143c	0.57
03-Aug	25,090c	399c	1.57
31-Jul	25,489c	337c	1.30
30-Jul	25,826c	497c	1.96
29-Jul	25,329c	16c	0.06
28-Jul	25,313c	319c	1.24
27-Jul	25,632c	0	0

Stock Checklist

Price is above from 52 week high low average: 65%

Stock is trading above all short term SMAs: NO

Stock is trading above all long term SMAs: YES

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: YES

Promoters are buying the stock: NO

Mutual Fund Holdings

Held by 174 fund scheme(s) across 29 fund house(s) as of Aug26 · Total value ₹5,331 Cr · 117 increasing / 20 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
Edelweiss Mutual Fund	17	1.29%	+0.44%	961.9
Axis Mutual Fund	8	0.85%	+0.13%	589.7
HDFC Mutual Fund	16	0.59%	+0.14%	588
HSBC Mutual Fund	6	0.75%	+0.43%	582.4
ICICI Prudential Mutual Fund	10	0.99%	+0.14%	470.7
Canara Robeco Mutual Fund	4	0.56%	+0.05%	450.3
UTI Mutual Fund	6	0.94%	+0.02%	357.1
Aditya Birla Sun Life Mutual Fund	6	0.56%	+0.18%	337.3
Nippon India Mutual Fund	6	0.17%	+0.02%	282.4
Bank of India Mutual Fund	15	1.36%	+0.66%	238.7
Mahindra Manulife Mutual Fund	2	0.85%	-	83.4
JM Financial Mutual Fund	4	2.16%	-0.22%	70.6
LIC Mutual Fund	6	2.44%	+0.32%	66.5
Union Mutual Fund	6	0.58%	-0.35%	49
Baroda BNP Paribas Mutual Fund	2	1.73%	+1.73%	44.6
Tata Mutual Fund	2	1.53%	+0.18%	34.4
ITI Mutual Fund	8	1.24%	+0.08%	32.6
Groww Mutual Fund	8	1.40%	+0.08%	28.7
Navi Mutual Fund	12	1.72%	+0.15%	26.5
SBI Mutual Fund	4	0.29%	+0.05%	14.5
Motilal Oswal Mutual Fund	6	0.15%	+0.04%	12.8
Bajaj Finserv Mutual Fund	2	0.52%	-0.26%	5.2
Jio BlackRock Mutual Fund	1	0.40%	+0.05%	1.6
Bandhan Mutual Fund	4	0.25%	+0.03%	0.8
Kotak Mahindra Mutual Fund	4	0.00%	+0.02%	0.5
DSP Mutual Fund	4	0.23%	+0.04%	0.1
Angel One Mutual Fund	2	0.05%	+0.01%	0.1
Mirae Asset Mutual Fund	2	0.04%	+0.01%	0
Zerodha Mutual Fund	1	0.20%	-	0

CREDITACCESS GRAMEEN LIMITED

Price Chart

Price Performance

Moving Average

PIVOT LEVEL

Competitors/Peers

Shareholding Pattern (%)

Quarterly Results

Profit and Loss

Cash Flows

Balance Sheet

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Stock Checklist

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