CREDITACCESS GRAMEEN quarterly results and financials

CREDITACCESS GRAMEEN (CREDITACC)₹1,102−0.51%(9 Nov 2026 close)Microfinance Institutions

Key facts

In the Sep 2026 quarter (consolidated), CREDITACCESS GRAMEEN reported revenue of ₹1,909 Cr, up 26.3% from Sep 2025, and net profit of ₹501 Cr, up 298.3% year on year. For the year to Mar 2026, revenue were ₹6,076 Cr and net profit ₹777 Cr.

Revenue (Sep 2026): ₹1,909 Cr
Net profit (Sep 2026): ₹501 Cr
Revenue (FY Mar 2026): ₹6,076 Cr
Net profit (FY Mar 2026): ₹777 Cr
EPS (Sep 2026): ₹31.11
Borrowings (Mar 2026): ₹23,550 Cr

Company filings, consolidated accounts; latest reported quarter Sep 2026

CREDITACCESS GRAMEEN quarterly results

₹ crore unless stated; each column is a quarter.

CREDITACCESS GRAMEEN Quarterly results
	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Revenue	1,295	1,461	1,515	1,457	1,384	1,409	1,467	1,511	1,493	1,602	1,787	1,909
Interest	442	483	511	486	476	478	483	481	460	479	550	553
Net interest income	853	979	1,004	971	908	931	985	1,030	1,033	1,123	1,237	1,355
Expenses	365	434	453	700	1,020	865	885	846	678	660	558	665
Financing Profit	486	542	549	269	−115	65.02	95.94	184	353	459	675	687
Financing Margin %	38.1%	37.1%	36.0%	18.1%	−8.0%	5.0%	7.0%	12.1%	24.1%	29.1%	38.1%	36.1%
Other Income	3.01	2.01	1.01	1.01	2.01	1.01	1.01	1.01	1.01	1.01	1.01	1.01
Depreciation	13.04	14.03	14.04	17.05	16.05	15.05	15.04	16.03	16.04	16.03	16.03	17.05
Profit before tax	476	528	535	252	−129	50.99	80.98	169	338	445	660	671
Tax %	26.0%	25.1%	26.0%	26.1%	−22.9%	8.0%	26.0%	26.1%	25.0%	24.1%	25.0%	25.0%
Net Profit	353	397	398	186	−99.89	46.94	59.97	126	252	340	492	501
EPS (Rs)	22.13	24.82	24.86	11.62	−6.22	2.95	3.76	7.84	15.70	21.13	30.69	31.11
Gross NPA %	1.0%	1.2%	1.5%	2.4%	4.0%	4.8%	4.7%	3.7%	4.0%	3.2%	2.2%	—
Net NPA %	0.3%	0.4%	0.5%	0.8%	1.3%	1.7%	1.8%	1.3%	1.4%	1.1%	0.8%	—
Provision coverage (approx., excl. write-offs) %	70.1%	70.3%	69.2%	68.9%	67.9%	63.7%	62.1%	65.5%	66.3%	64.7%	65.1%	—

CREDITACCESS GRAMEEN profit and loss

₹ crore unless stated; years end in March. TTM is the last four quarters.

CREDITACCESS GRAMEEN Profit and loss
	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	1,285	1,708	2,465	2,676	3,496	5,182	5,761	6,076	6,790
Interest	418	585	935	989	1,218	1,740	1,957	1,907	2,042
Net interest income	867	1,123	1,530	1,687	2,278	3,442	3,804	4,169	4,748
Expenses	361	640	1,309	1,235	1,179	1,445	3,033	3,059	2,561
Financing Profit	504	481	219	447	1,093	1,983	767	1,093	2,174
Financing Margin %	39.0%	28.0%	9.1%	17.1%	31.1%	38.1%	13.1%	18.1%	32.0%
Other Income	1.01	1.01	5.02	81.25	64.25	6.02	4.01	4.01	4.04
Depreciation	8.02	20.06	44.08	47.12	50.13	51.09	62.20	63.12	65.15
Profit before tax	498	462	180	481	1,105	1,937	709	1,033	2,114
Tax %	35.1%	27.0%	27.0%	27.1%	25.1%	25.1%	25.0%	25.1%	—
Net Profit	322	335	131	353	825	1,444	530	777	1,585
EPS (Rs)	22.34	23.10	8.58	22.57	52.66	90.38	33.14	48.37	98.63
Dividend payout %	0.0%	0.0%	0.0%	0.0%	0.0%	11.0%	0.0%	0.0%	—

CREDITACCESS GRAMEEN balance sheet

₹ crore, at each year end.

CREDITACCESS GRAMEEN Balance sheet
	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	144	144	156	156	159	159	160	160
Reserves	2,214	2,580	3,524	4,004	4,936	6,400	6,777	7,675
Borrowings	4,845	9,498	10,894	12,873	16,241	21,750	20,373	23,550
Other Liabilities	125	314	425	396	437	460	399	449
Total Liabilities	7,326	12,536	14,999	17,429	21,773	28,769	27,708	31,834
Fixed Assets	25.08	578	575	631	600	610	605	589
CWIP	1.99	2.99	0.99	2.99	3.99	4.99	3.99	0.00
Investments	0.00	46.01	1.01	1.01	455	1,439	894	1,075
Other Assets	7,299	11,909	14,423	16,794	20,714	26,715	26,206	30,170
Cash & equivalents	617	719	2,488	1,766	1,440	1,317	1,446	1,329
Total Assets	7,326	12,536	14,999	17,429	21,773	28,769	27,708	31,834

CREDITACCESS GRAMEEN cash flow

₹ crore, for each year.

CREDITACCESS GRAMEEN Cash flow
	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from operating activity	−1,374	−2,223	−453	−2,704	−3,282	−4,723	1,122	−2,761
Cash from investing activity	−7.02	−641	24.10	−33.13	−315	−998	711	−101
Cash from financing activity	1,831	2,925	2,148	1,970	3,370	5,501	−1,671	2,757
Net cash flow	446	54.19	1,722	−782	−240	−235	165	−120
Capex	17.98	21.98	14.99	27.98	16.97	19.97	33.93	17.98
Free cash flow	−1,395	−2,249	−469	−2,741	−3,307	−4,754	1,092	−2,786

CREDITACCESS GRAMEEN ratios

Working-capital days and returns, by year.

CREDITACCESS GRAMEEN Ratios
	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	14.0%	13.0%	4.0%	9.0%	18.0%	25.0%	8.0%	10.9%

CREDITACCESS GRAMEEN: frequently asked questions

What are the latest quarterly results of CREDITACCESS GRAMEEN?

For the Sep 2026 quarter, CREDITACCESS GRAMEEN reported revenue of ₹1,909 Cr, up 26.3% year on year and net profit of ₹501 Cr, up 298.3% year on year.

What is the annual revenue of CREDITACCESS GRAMEEN?

CREDITACCESS GRAMEEN's revenue for the year to Mar 2026 were ₹6,076 Cr; over the last twelve months they were ₹6,790 Cr.

What is the net profit of CREDITACCESS GRAMEEN?

Net profit for the year to Mar 2026 was ₹777 Cr, and ₹1,585 Cr over the last twelve months. Earnings per share over the same trailing period were ₹98.63.

What is the free cash flow of CREDITACCESS GRAMEEN?

Cash from operations was −₹2,761 Cr in the year to Mar 2026; after capital spending, free cash flow was −₹2,786 Cr.

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