![]()
Daily Range
Daily RangeToday's Low
₹ 810.00
Today's High
₹ 842.85
![]()
52 Weeks Range
52 Weeks Low
₹ 834.10
52 Weeks High
₹ 1,154.00
![]()
Momentum of the Stock
Momentum of the Stock Strong Bearish![]()
![]()
Circuit Limit
Lower
₹ 651.15
Upper
₹ 976.65
![]()
Financials Strength Score
Financials Strength Score Piotroski Score
![]()
Company Profile
CreditAccess Grameen Limited, a non-banking financial company, provides micro finance services for women from poor and low income households in India. The company offers microcredit loans for income generation, home improvement, emergency, and family welfare, as well as life insurance and national pension scheme. It also provides retail finance loans, such as Grameen Udyog, Grameen Savaari, Grameen Vikas, Grameen Suvidha, and Grameen Vaahan. The company was formerly known as Grameen Koota Financial Services Private Limited and changed its name to CreditAccess Grameen Limited in January 2018. CreditAccess Grameen Limited was incorporated in 1991 and is headquartered in Bengaluru, India. As of March 31, 2014, CreditAccess Grameen Limited operates as a subsidiary of CreditAccess India.
![]()
Companies under the same Group
Companies under the same Group
Asian Hotels (North)
Banco Products (I)
Kingfa Science
Jayant Agro-Organics
Asian Energy Service
United Breweries
3I Infotech
R Systems Intl.
Allied Digital Serv.
Puravankara
![]()
Key Metrics
Key MetricsStandalone
Consolidated
No of shares Outstanding
16.0 Cr.
EPS-TTM
₹83.61
Face Value
₹10.00
Book Value
₹437.97
Net Asset Value
₹320.15
ROE
17.87%
ROA
4.08%
ROCE
12.06%
Dividend Yield
1.23%
Total Debt
₹ 0.0 Cr.
Sales Growth
29.25%
PAT Growth
133.96%
Financials
| Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|
| Current Assets | 1,860.6 | 2,061.5 | 2,704.1 | 786.9 | 669.6 |
| Non-Current Assets | 20,672.8 | 15,903.7 | 12,816.1 | 12,221.2 | 6,959.8 |
| Total Assets | 22,533.4 | 17,965.2 | 15,520.3 | 13,008.1 | 7,629.3 |
| Current Liabilities | 0.0 | 0.0 | 296.0 | 187.1 | 113.6 |
| Non-Current Liabilities | 16,734.9 | 13,202.7 | 11,333.5 | 9,963.8 | 5,142.9 |
| Total Equity | 5,107.0 | 4,166.9 | 3,691.6 | 2,734.2 | 2,365.1 |
| Total Liabilities & Total Equity | 22,533.4 | 17,965.2 | 15,520.3 | 13,008.1 | 7,629.3 |
![]()
Financial Statement Analysis
Quick Ratio
The Industry Quick Ratio stands at 2.90, vs the Quick Ratio of 3.91, which results in a Positive aspect.
Debt to Equity Ratio
The Industry Debt to Equity Ratio stands at 3.59, vs the Debt to Equity Ratio of 3.50, which results in a Positive aspect.
Current Ratio
The Industry Current Ratio stands at 2.91, vs the Current Ratio of 3.91, which results in a Positive aspect.
Price to BV
The Industry Price to BV stands at 4.22, vs the Price to BV of 2.85, which results in a Negative aspect.
| Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|
| Total Income | 3,545.1 | 2,742.8 | 2,461.0 | 1,704.3 | 1,282.3 |
| Total Expenditure | 1,179.4 | 1,234.7 | 1,308.3 | 641.4 | 360.7 |
| Operating Profit(Excl OI) | 2,371.4 | 1,515.4 | 1,157.8 | 1,064.1 | 922.8 |
| Add: Other Income | 5.7 | 7.3 | 5.1 | 1.2 | 1.2 |
| Operating Profit | 2,371.4 | 1,515.4 | 1,157.8 | 1,064.1 | 922.8 |
| Less: Interest | 1,216.1 | 987.4 | 933.3 | 582.1 | 417.2 |
| PBDT | 1,155.3 | 528.0 | 224.5 | 482.0 | 505.5 |
| Less: Depreciation | 49.8 | 47.2 | 44.1 | 20.4 | 7.8 |
| PBT & Exceptional Items | 1,105.4 | 480.8 | 180.4 | 461.6 | 497.7 |
| Less: Exceptional Income Expenses | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Profit Before Tax | 1,105.4 | 480.8 | 180.4 | 461.6 | 497.7 |
| Less: Taxation | 279.4 | 127.7 | 49.0 | 126.1 | 176.0 |
| Profit After Tax | 826.1 | 353.1 | 131.4 | 335.5 | 321.8 |
| Earnings Per Share | 52.0 | 22.7 | 8.6 | 23.2 | 22.4 |
![]()
Financial Statement Analysis
PAT Growth
The Industry PAT Growth stands at 36.66, vs the PAT Growth of 4.27, which results in a Negative aspect.
Dividend Yield
The Industry Dividend Yield stands at 0.81, vs the Dividend Yield of 0.81, which results in a Positive aspect.
PE Ratio
The Industry PE Ratio stands at 27.40, vs the PE Ratio of 13.24, which results in a Negative aspect.
PAT Margin
The Industry PAT Margin stands at 96.28, vs the PAT Margin of 19.68, which results in a Negative aspect.
| Particulars | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|
| Profit Before Tax | 1,105.4 | 480.8 | 180.4 | 461.6 | 497.7 |
| Tax Paid | -240.1 | -120.3 | -115.2 | -164.0 | -182.1 |
| Adjustment | 386.6 | 555.7 | 652.8 | 168.0 | 97.3 |
| Changes In Working Capital | 1,105.4 | 480.8 | 180.4 | 461.6 | 497.7 |
| Cash Flow after changes in Working Capital | -3,049.7 | -2,593.2 | -339.5 | -2,088.6 | -1,196.0 |
| Cash Flow from Operating Activities | -3,289.8 | -2,713.5 | -454.7 | -2,252.6 | -1,378.1 |
| Cash Flow from Investing Activities | -314.4 | -33.0 | 23.5 | -607.6 | -7.1 |
| Cash Flow from Financing Activities | 3,365.1 | 1,966.9 | 2,146.4 | 2,914.7 | 1,828.9 |
| Net Cash Inflow / Outflow | -239.1 | -779.5 | 1,715.2 | 54.4 | 443.7 |
| Opening Cash & Cash Equivalents | 1,580.6 | 2,360.1 | 644.9 | 590.4 | 130.0 |
| Closing Cash & Cash Equivalent | 1,341.4 | 1,580.6 | 2,360.1 | 644.9 | 573.7 |
![]()
Financial Statement Analysis
PCF RATIO
The Industry PCF RATIO stands at -0.43, vs the PCF RATIO of -2.16, which results in a Negative aspect.
PFCF Ratio
The Industry PFCF Ratio stands at -4.37, vs the PFCF Ratio of -2.04, which results in a Positive aspect.
| Particulars | Sep 2024 | Jun 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 | Mar 2022 | Dec 2021 | Sep 2021 | Jun 2021 | Mar 2021 | Dec 2020 | Sep 2020 | Jun 2020 | Mar 2020 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 14,532.9 | 15,120.3 | 12,922.0 | 12,469.4 | 11,700.3 | 10,654.1 | 9,079.0 | 8,122.2 | 7,595.9 | 8,218.9 | 6,873.9 | 6,174.0 | 6,161.3 | 7,239.1 | 5,415.4 | 5,760.2 | 6,192.9 | 4,817.1 |
| Total Income | 14,539.2 | 15,125.8 | 12,952.3 | 12,475.9 | 11,707.2 | 10,662.4 | 9,097.2 | 8,143.1 | 7,605.2 | 8,244.8 | 6,896.9 | 6,185.8 | 6,173.7 | 7,262.0 | 5,430.3 | 5,769.9 | 6,198.7 | 4,821.2 |
| Total Expenditure | 7,001.4 | 4,531.8 | 3,651.0 | 3,446.7 | 3,063.7 | 3,105.6 | 2,928.7 | 2,992.5 | 2,799.9 | 3,270.4 | 2,834.3 | 2,992.8 | 3,282.3 | 3,986.9 | 4,130.1 | 2,224.6 | 2,760.5 | 2,608.4 |
| PBIDT (Excl OI) | 7,531.5 | 10,588.5 | 9,271.0 | 9,022.7 | 8,636.6 | 7,548.5 | 6,150.3 | 5,129.7 | 4,796.0 | 4,948.5 | 4,039.6 | 3,181.2 | 2,879.0 | 3,252.2 | 1,285.3 | 3,535.6 | 3,432.4 | 2,208.7 |
| Other Income | 6.3 | 5.5 | 30.3 | 6.5 | 6.9 | 8.3 | 18.2 | 20.9 | 9.3 | 25.9 | 23.0 | 11.8 | 12.4 | 22.9 | 14.9 | 9.7 | 5.8 | 4.1 |
| Operating Profit | 7,537.8 | 10,594.0 | 9,301.3 | 9,029.2 | 8,643.5 | 7,556.8 | 6,168.5 | 5,150.6 | 4,805.3 | 4,974.4 | 4,062.6 | 3,193.0 | 2,891.4 | 3,275.1 | 1,300.2 | 3,545.3 | 3,438.2 | 2,212.8 |
| Interest | 4,846.0 | 5,103.1 | 4,415.0 | 4,238.7 | 3,849.2 | 3,456.4 | 3,142.1 | 2,732.3 | 2,798.0 | 2,671.5 | 2,390.9 | 2,285.6 | 2,493.4 | 2,372.7 | 2,249.1 | 2,365.2 | 2,327.0 | 1,749.6 |
| Exceptional Items | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| PBDT | 2,691.8 | 5,490.9 | 4,886.3 | 4,790.5 | 4,794.3 | 4,100.4 | 3,026.4 | 2,418.3 | 2,007.3 | 2,302.9 | 1,671.7 | 907.4 | 398.0 | 902.4 | -948.9 | 1,180.1 | 1,111.2 | 463.2 |
| Depreciation | 171.9 | 143.5 | 130.6 | 122.8 | 120.6 | 124.9 | 126.1 | 128.2 | 119.2 | 124.6 | 115.8 | 119.5 | 112.4 | 116.5 | 104.6 | 113.0 | 106.6 | 58.0 |
| Profit Before Tax | 2,519.9 | 5,347.4 | 4,755.7 | 4,667.7 | 4,673.7 | 3,975.5 | 2,900.3 | 2,290.1 | 1,888.1 | 2,178.3 | 1,555.9 | 787.9 | 285.6 | 785.9 | -1,053.5 | 1,067.1 | 1,004.6 | 405.2 |
| Tax | 659.3 | 1,370.8 | 1,222.3 | 1,197.3 | 1,189.1 | 1,009.8 | 732.8 | 528.6 | 492.5 | 577.0 | 386.5 | 190.9 | 82.7 | 223.1 | -262.9 | 271.4 | 258.4 | 97.4 |
| Provisions and contingencies | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Profit After Tax | 1,860.6 | 3,976.6 | 3,533.4 | 3,470.4 | 3,484.6 | 2,965.7 | 2,167.5 | 1,761.5 | 1,395.6 | 1,601.3 | 1,169.4 | 597.0 | 202.9 | 562.8 | -790.6 | 795.7 | 746.2 | 307.8 |
| Net Profit | 1,860.6 | 3,976.6 | 3,533.4 | 3,470.4 | 3,484.6 | 2,965.7 | 2,167.5 | 1,761.5 | 1,395.6 | 1,601.3 | 1,169.4 | 597.0 | 202.9 | 562.8 | -790.6 | 795.7 | 746.2 | 307.8 |
| ADDITIONAL INFOS: | ||||||||||||||||||
| Equity Capital | 1,594.6 | 1,594.1 | 1,591.8 | 1,591.1 | 1,589.3 | 1,589.1 | 1,561.7 | 1,561.1 | 1,559.3 | 1,558.7 | 1,557.9 | 1,557.4 | 1,557.2 | 1,555.8 | 1,554.9 | 1,441.1 | 1,440.6 | 1,439.9 |
| Reserves | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| EPS | 11.7 | 25.0 | 22.2 | 21.8 | 21.9 | 18.7 | 13.6 | 11.0 | 8.9 | 10.1 | 7.7 | 4.1 | 1.5 | 3.6 | -5.1 | 5.5 | 5.0 | 2.0 |
| Operating Profit Margin | 51.9 | 70.1 | 72.0 | 72.4 | 73.9 | 70.9 | 67.9 | 63.4 | 63.3 | 60.5 | 59.1 | 51.7 | 46.9 | 45.2 | 24.0 | 61.5 | 55.5 | 45.9 |
| Net Profit Margin | 12.8 | 26.3 | 27.3 | 27.8 | 29.8 | 27.8 | 23.9 | 21.7 | 18.4 | 19.5 | 17.0 | 9.7 | 3.3 | 7.8 | -14.6 | 13.8 | 12.0 | 6.4 |
![]()
Financial Statement Analysis
Net Sales Growth
The Industry Net Sales Growth stands at 16.24, vs the Net Sales Growth of 32.91, which results in a Positive aspect.
Mcap Growth
The Industry Mcap Growth stands at 35.67, vs the Mcap Growth of -32.27, which results in a Negative aspect.
Technicals
![]()
Pivot Levels
Pivot Levels Check Advanced Levels ![]()
| Type | Classic | Woodie | Camarilla |
|---|---|---|---|
| R4 | 879.60 | 918.71 | 831.97 |
| R3 | 867.35 | 863.18 | 822.93 |
| R2 | 855.10 | 853.01 | 819.92 |
| R1 | 834.50 | 830.33 | 816.91 |
| Pivot | 822.25 | 820.16 | 822.25 |
| S1 | 801.65 | 797.48 | 810.89 |
| S2 | 789.40 | 787.31 | 807.88 |
| S3 | 768.80 | 764.63 | 804.87 |
| S4 | 748.20 | 721.61 | 795.83 |
(All Values are in INR)
The Pivot level gives the user an indication about key support & resistance levels for a selected stock.
EMA & SMA Levels 
![]()
Beta
Beta 1 Day
0.75
1 Week
0.74
1 Month
0.70
![]()
Indicators
Stoch RSI
0.00
Bullish
RSI
26.65
Bullish
ROC
-13.23
Bearish
UltimateOscillator
34.81
Neutral
Williams Indicator
-97.15
Bullish
CCI Indicator
-155.13
Bullish
MACD
-1,896.26
Bearish
Stochastic Indicator
5.09
Neutral
ATR
60.77
High Volatility
Corporate Actions
![]()
Corporate Actions - Board Meet
Corporate Actions - Board Meet | Ex-Date | Ratio | Record Date |
|---|
| Ex-Date | Ratio | Record Date |
|---|
| Announcement Date | Dividend Amount | Dividend Percentage of FV | Dividend Type |
|---|
| Date Of Conduct | Board Meeting Details |
|---|---|
| 25-10-2024 | Quarterly Results |
| 19-01-2024 | Quarterly Results & Inter alia, to consider a Proposal of raising funds through Public Issue of Non-Convertible Debentures in domestic market, in one or more tranches up to such Shelf limit, as may be decided by the Board of Directors. |
| 20-10-2023 | Quarterly Results |
| 21-07-2023 | Quarterly Results |
| 16-05-2023 | Audited Results |
| 16-05-2023 | Audited Results |
| 07-02-2023 | Quarterly Results |
| 21-10-2022 | Quarterly Results |
| 29-07-2022 | Quarterly Results |
| 12-05-2022 | Audited Results |
| 23-03-2022 | Inter alia, to consider and approve the proposal of raising funds through public issue of Non-Convertible Debentures in domestic market, in one or more tranches up to such Shelf limit, as may be decided by the Directors. |
| 16-02-2022 | Inter alia, to consider and approve the proposal of issuance of Rupee Denominated, Non-Convertible Bonds. |
| 04-02-2022 | Quarterly Results |
| 09-11-2021 | Quarterly Results |
| 11-08-2021 | Quarterly Results |
| 06-05-2021 | Audited Results |