CreditAccess Grameen Ltd Share Price ₹1,310

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of CreditAccess Grameen Ltd

Quarter-by-quarter operating performance

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue +	1,065	1,170	1,247	1,292	1,457	1,512	1,453	1,380	1,407	1,463	1,508	1,490	1,597
Interest	346	385	424	442	482	510	485	475	478	482	480	459	478
Expenses +	311	309	342	365	434	453	700	1,020	864	885	845	678	660
Financing Profit	409	477	481	486	542	549	269	-115	65	96	184	353	459
Financing Margin %	38%	41%	39%	38%	37%	36%	18%	-8%	5%	7%	12%	24%	29%
Other Income +	1	1	1	3	2	1	1	2	1	1	1	1	1
Depreciation	12	12	12	13	14	14	17	16	15	15	16	16	16
Profit before tax	398	465	469	476	529	535	252	-129	51	81	169	338	445
Tax %	25%	26%	26%	26%	25%	26%	26%	-23%	8%	26%	26%	25%	24%
Net Profit +	297	346	349	353	397	398	186	-100	47	60	126	252	340
EPS in Rs	18.98	22.16	21.95	22.20	24.91	24.95	11.67	-6.24	2.96	3.77	7.87	15.75	21.20
Gross NPA %	1.21%	0.89%	0.77%	0.97%	1.18%	1.46%	2.44%	3.99%	4.76%	4.70%	3.65%	4.04%	3.17%
Net NPA %	0.35%	0.27%	0.24%	0.29%	0.35%	0.45%	0.76%	1.28%	1.73%	1.78%	1.26%	1.36%	1.12%

Financials of CreditAccess Grameen Ltd

Annual income statement trend

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue +	278	464	708	871	1,282	1,683	2,028	2,669	3,487	5,167	5,752	6,059
Interest	129	208	317	354	417	575	745	987	1,216	1,738	1,955	1,899
Expenses +	76	126	264	184	361	639	1,069	1,235	1,179	1,444	3,030	3,067
Financing Profit	74	130	128	332	504	470	214	447	1,092	1,984	767	1,093
Financing Margin %	26%	28%	18%	38%	39%	28%	11%	17%	31%	38%	13%	18%
Other Income +	3	2	1	1	1	1	3	81	64	6	4	4
Depreciation	2	3	4	5	8	20	23	47	50	51	62	63
Profit before tax	75	130	124	328	498	451	194	481	1,105	1,939	709	1,033
Tax %	35%	36%	35%	35%	35%	27%	27%	27%	25%	25%	25%	25%
Net Profit +	49	83	80	212	322	328	142	353	826	1,446	531	778
EPS in Rs	6.68	11.41	9.37	16.54	22.41	22.75	9.15	22.65	52.87	90.72	33.27	48.54
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	0%	0%	11%	0%	0%

Financials of CreditAccess Grameen Ltd

Capital structure and asset base

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	73	73	86	128	144	144	156	156	159	159	160	160
Reserves	303	387	605	1,309	2,222	2,525	3,479	4,011	4,948	6,411	6,796	7,682
Borrowing	1,291	2,233	2,668	3,623	4,867	7,823	8,781	12,921	16,312	21,841	20,446	23,641
Other Liabilities +	60	115	205	53	126	170	281	394	439	460	401	446
Total Liabilities	1,727	2,808	3,564	5,114	7,357	10,662	12,697	17,482	21,858	28,871	27,802	31,930
Fixed Assets +	4	11	12	16	25	87	101	629	599	609	604	588
CWIP	2	0	3	1	2	3	1	3	4	5	4	0
Investments	0	0	0	0	0	661	663	1	455	1,439	893	1,075
Other Assets +	1,720	2,796	3,549	5,096	7,330	9,911	11,932	16,849	20,801	26,818	26,302	30,267
Total Assets	1,727	2,808	3,564	5,114	7,357	10,662	12,697	17,482	21,858	28,871	27,802	31,930

Financials of CreditAccess Grameen Ltd

Operating, investing and financing cash movement

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity +	-931	-425	-1,726	-1,378	-2,302	-364	-1,969	-3,290	-4,734	1,125	-2,770
Cash from Investing Activity +	-4	-5	54	-7	-636	-32	-189	-314	-994	708	-101
Cash from Financing Activity +	934	579	1,470	1,829	2,929	1,706	1,684	3,365	5,494	-1,669	2,751
Net Cash Flow	-1	149	-202	444	-9	1,310	-473	-239	-234	164	-120
Free Cash Flow	-939	-433	-1,731	-1,396	-2,323	-376	-1,992	-3,307	-4,754	1,092	-2,787
CFO/OP	-262%	-79%	-241%	-130%	-205%	-27%	-129%	-132%	-112%	54%	-86%

Financials of CreditAccess Grameen Ltd

Working capital efficiency and return ratios

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	17%	20%	14%	20%	17%	13%	5%	9%	18%	25%	8%	11%