CREDITACCESS GRAMEEN LIMITED

Web: creditaccessgrameen.in NSE: CREDITACC BSE: 541770 SECTOR: Financial Services - Finance

1509 20(1%)

Near 52W High of 1608

Volume

2L as on 22, Jul

Open

1,330

High

855

Low

838

1,489

VWAP

1,500

52 Week High

1,608

52 Week Low

1,113

Viand Research Rating

Quality Score

44/100

Growth Score

40/100

Valuation Score

50/100

Momentum Score

70/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

24,182

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

66.24%

FII Holding

12.94%

DII Holding

12.59%

Price Chart

Price Performance

1 Week1%

1 Month6%

3 Months18%

6 Months3%

1 Year10%

YTD18%

Moving Average

5 Day SMA1,499

10 Day SMA1,506

20 Day SMA1,511

30 Day SMA1,463

50 Day SMA1,397

61 Day SMA1,393

80 Day SMA1,351

200 Day SMA1,326

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	1,617	1,551	1,579	1,621
Resistance 2	1,579	1,546	1,556	1,581
Resistance 1	1,557	1,540	1,542	1,561
Pivot Point	1,519	1,535	1,519	1,521
Support 1	1,497	1,529	1,496	1,501
Support 2	1,459	1,524	1,482	1,461
Support 3	1,437	1,518	1,459	1,441

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,48,708	746	8%	4%	18%	26%	15	40.9	0	79219
2	ICICIBANK	10,28,380	1433	2%	7%	7%	3%	16	40.9	0	57936
3	SBIN	9,35,523	1014	0%	2%	2%	25%	11	40.9	0	86666
4	BAJFINANCE	6,47,464	1040	4%	10%	12%	10%	28	40.9	0	19332
5	LICI	5,33,640	422	4%	4%	48%	54%	9	40.9	0	57453
6	KOTAKBANK	3,80,984	383	1%	5%	11%	82%	20	40.9	0	19288
7	AXISBANK	3,80,565	1223	6%	9%	4%	12%	15	40.9	0	26548
8	BAJAJFINSV	3,02,712	1891	1%	5%	6%	9%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,41,507	1026	2%	7%	5%	62%	21	40.9	0	10024
10	SBILIFE	1,86,506	1859	3%	0%	11%	0%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	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) 66.24%	(-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	(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	(-0.61) 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	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	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

	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	1597	1490	1508	1463	1407	1380	1453	1512	1457	1292	1247	1170	1065	908	812	760	822	687	617	616
Sales Growth % (YoY)	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)	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	660	678	845	885	864	1020	700	453	434	365	345	306	311	293	299	280	327	283	299	328
Operating Profit	459	353	184	96	65	-115	269	549	542	486	478	479	409	301	240	200	228	165	90	39
OPM %	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	2	1	1	2	3	1	1	1	2	2	1	3	2	1	1
Interest	478	459	480	482	478	475	485	510	482	442	424	385	346	314	273	280	267	239	229	249
Depreciation	16	16	16	15	15	16	17	14	14	13	12	12	12	13	13	12	12	12	12	11
Profit before tax	445	338	169	81	51	-129	252	535	529	476	467	467	398	290	229	189	218	156	79	29
Tax %	24	25	26	26	8	-23	26	26	25	26	26	25	25	25	24	27	26	25	24	29
Net Profit	340	252	126	60	47	-100	186	398	397	353	347	348	297	217	175	139	160	117	60	20
Net Profit Growth % (QoQ)	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)	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	778	485	133	193	531	881	1334	1495	1445	1345	1209	1037	828	691	591	476	357	197	80	0
EPS in Rs	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	3067	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	1899	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

#	Date	1229 31% 1608	Value (Cr)	Q/T 17	Del 42	Del 31
1	22-Jul	1489	33	8	63	21
2	21-Jul	1535	40	13	52	21
3	20-Jul	1498	34	11	54	18
4	17-Jul	1478	43	12	60	26
5	16-Jul	1495	26	10	49	13
6	15-Jul	1478	39	14	48	19
7	14-Jul	1469	51	12	59	30
8	13-Jul	1540	45	10	65	29
9	10-Jul	1529	50	11	51	26
10	9-Jul	1546	40	11	55	22
11	8-Jul	1537	53	11	53	28
12	7-Jul	1582	63	14	60	38
13	6-Jul	1587	91	12	44	40
14	3-Jul	1557	88	13	52	46
15	2-Jul	1543	55	13	49	27
16	1-Jul	1502	35	11	48	17
17	30-Jun	1490	75	13	47	36
18	29-Jun	1432	41	10	53	22
19	25-Jun	1462	39	10	35	13
20	24-Jun	1460	286	17	14	39
21	23-Jun	1371	14	6	53	7
22	22-Jun	1411	28	7	60	17
23	19-Jun	1406	17	9	63	11
24	18-Jun	1420	26	8	64	17
25	17-Jun	1435	43	10	54	23
26	16-Jun	1408	38	11	54	21
27	15-Jun	1375	40	11	50	20
28	12-Jun	1310	25	9	49	12
29	11-Jun	1266	64	10	42	27
30	10-Jun	1268	12	6	65	8
31	9-Jun	1270	26	17	71	18
32	8-Jun	1243	11	9	34	4
33	5-Jun	1264	21	12	44	9
34	4-Jun	1274	20	13	41	8
35	3-Jun	1269	28	13	47	13
36	2-Jun	1315	24	12	54	13
37	1-Jun	1314	27	15	49	13
38	29-May	1296	28	11	55	15
39	27-May	1288	84	29	71	59
40	26-May	1298	13	9	44	6
41	25-May	1304	39	12	44	17
42	22-May	1275	10	9	48	5
43	21-May	1289	33	15	41	14
44	20-May	1294	19	12	53	10
45	19-May	1310	14	9	47	7
46	18-May	1299	22	10	47	10
47	15-May	1315	31	10	49	16
48	14-May	1327	39	13	48	19

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Jul	24,182c	204c	0.85
22-Jul	23,979c	609c	2.48
21-Jul	24,588c	930c	3.93
17-Jul	23,658c	303c	1.26
16-Jul	23,961c	208c	0.88
15-Jul	23,753c	204c	0.86
14-Jul	23,549c	1,221c	4.93
13-Jul	24,771c	100c	0.40
10-Jul	24,871c	143c	0.58
09-Jul	24,728c	64c	0.26
08-Jul	24,664c	691c	2.72
07-Jul	25,355c	95c	0.37
06-Jul	25,449c	790c	3.20
02-Jul	24,659c	620c	2.58
01-Jul	24,039c	176c	0.74
30-Jun	23,863c	692c	2.99
29-Jun	23,170c	176c	0.76
26-Jun	23,347c	216c	0.92
25-Jun	23,563c	199c	0.85
24-Jun	23,364c	1,364c	6.20
23-Jun	22,000c	564c	2.50
22-Jun	22,564c	35c	0.16
19-Jun	22,529c	256c	1.13
18-Jun	22,785c	96c	0.42
17-Jun	22,881c	353c	1.56
16-Jun	22,529c	468c	2.12
15-Jun	22,061c	1,126c	5.38
12-Jun	20,934c	857c	4.27
11-Jun	20,077c	292c	1.43
10-Jun	20,369c	0	0

Stock Checklist

Price is above from 52 week high low average: 60%

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 171 fund scheme(s) across 29 fund house(s) as of Jul26 · Total value ₹3,966 Cr · 29 increasing / 8 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
Edelweiss Mutual Fund	14	1.24%	-	561.5
HDFC Mutual Fund	14	3.47%	+0.08%	474.3
Canara Robeco Mutual Fund	4	0.61%	-	466.5
ICICI Prudential Mutual Fund	10	0.99%	+0.09%	442.4
Axis Mutual Fund	6	0.72%	-	406.3
UTI Mutual Fund	8	0.93%	-	336
HSBC Mutual Fund	4	0.72%	-	235.3
Nippon India Mutual Fund	6	0.16%	-	229.6
Aditya Birla Sun Life Mutual Fund	2	0.41%	-	211.1
Bank of India Mutual Fund	15	2.90%	-	131.4
Mahindra Manulife Mutual Fund	2	0.85%	-0.22%	83.4
Union Mutual Fund	10	5.60%	-	74.4
JM Financial Mutual Fund	4	2.38%	+0.07%	71.3
LIC Mutual Fund	8	2.47%	-	60.9
Kotak Mahindra Mutual Fund	4	0.26%	+0.02%	44.3
ITI Mutual Fund	8	1.17%	+0.29%	30.5
Tata Mutual Fund	2	1.34%	-	28.1
Navi Mutual Fund	12	1.68%	-	23.3
Groww Mutual Fund	8	2.75%	-	20.1
SBI Mutual Fund	4	0.20%	-	11.5
Motilal Oswal Mutual Fund	6	0.14%	-	10.1
Bajaj Finserv Mutual Fund	2	0.78%	-0.22%	7.3
PGIM India Mutual Fund	2	0.48%	-	4
Bandhan Mutual Fund	6	0.14%	-	1.2
Jio BlackRock Mutual Fund	1	0.35%	-	1.2
DSP Mutual Fund	4	0.20%	-	0.1
Angel One Mutual Fund	2	0.03%	-	0
Mirae Asset Mutual Fund	2	0.03%	-	0
Zerodha Mutual Fund	1	0.19%	+0.03%	0

CREDITACCESS GRAMEEN LIMITED

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