1,101.50
+1.70%
Close of 9 Nov 2026, in INR
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About CreditAccess Grameen
Its shares trade on NSE under the ticker CREDITACC.NS. It has been listed since 23 August 2018. In the fiscal year to 31 March 2026, it reported revenue before interest expense of ₹60.14bn and net income of ₹7.78bn. At that date it held total assets of ₹319.30bn and shareholders' equity of ₹78.42bn.
CreditAccess Grameen Ltd. engages in the provision of micro finance services. The company is headquartered in Bangalore, Karnataka. The company went IPO on 2018-08-23. The firm offers microfinance services. The firm is focused on providing financial support to women from low-income households and to rural poor. The company offers collateral free loans to women from low-income households. Its products include group lending, retail finance and distributor products. Its group lending includes income generation loan, home improvement loans, family welfare loan and emergency loans. Its retail finance includes Grameen Udyog Loan, Grameen Vikas Loan, Grameen Savaari Loan and Grameen Suvidha Loan. Its distributor product includes Life insurance and National Pension Scheme- Swavalamban. The company offers home improvement loans to help customers with water connections, toilet construction, or for home extension projects, such as repairs or replacement of roof, walls, floors, and monsoon waterproofing.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Consumer Finance
- Listed since
- 23 Aug 2018
- Employees
- 16,018
- Website
- creditaccessgrameen.in ↗
Leadership
Pay as last reported
- Mr. Ganesh NarayananChief Executive Officer, Managing Director, Director, since 2020₹25.9m
- Mr. Paolo BrichettiNon-Executive Vice Chairman of the Board, since 2022₹1.2m
- Mr. Nilesh DalviChief Financial Officer, since 2024
- Mr. Gururaj Kumar RaoChief Operating Officer, since 2024₹12.6m
- Mr. Sudesh PuthranChief Technology Officer₹12.9m
- Mr. Ravi RathinamChief Information Security Officer
- Ms. Deepti RamaniCompliance Officer, Company Secretary
- Mr. Firoz AnamChief Risk Officer
- Ms. Haridarshini AHead - Operational Excellence
- Mr. Sundar ArumugamHead - Strategy and Innovation, Digital Lending and Retail Finance Products, since 2024
- Mr. Arun BHead - Operations and Business Analytics, since 2024
- Mr. Srivatsa H. N.Chief Business Officer - Group Lending and Retail Finance, since 2024
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 66
- Environment
- 24
- Social
- 99
- Governance
- 75
- Direct emissions (scope 1)
- 124.29 t
- Energy emissions (scope 2)
- 4,294.04 t
- Value chain emissions (scope 3)
- 12,990.11 t
- Women in the workforce
- 16.41%
- Carbon reduction policy
- Yes
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- CreditAccess Grameen Ltd has established a strong market presence in the microfinance sector, allowing them to leverage their brand reputation and customer base.
- The company offers a diversified range of loan products, catering to various customer segments. This helps mitigate risk and allows for potential growth opportunities.
- CreditAccess Grameen Ltd boasts a skilled and experienced workforce, enabling effective credit assessment, loan management, and customer service. Their expertise contributes to the company's overall success.
- The company has invested in advanced technology systems and infrastructure, enhancing operational efficiency and enabling seamless customer interactions. This gives them a competitive edge in the market.
Weaknesses
- CreditAccess Grameen Ltd relies on partnerships with local banks for funding its loan portfolio. Any change in these relationships or difficulties in obtaining funds may impact the company's ability to offer loans.
- The company's financial performance is closely tied to economic conditions. Downturns or recessionary periods may result in increased default rates and lower loan demand, affecting their profitability.
- CreditAccess Grameen Ltd operates primarily in specific regions, which exposes them to geographic concentration risk. Any adverse events or economic downturns in these regions could impact the company's operations.
Opportunities
- There is a significant untapped market for microfinance services in rural areas. CreditAccess Grameen Ltd has an opportunity to expand their presence in these regions, offering financial inclusion to underserved customers.
- The expanding middle-class segment presents an opportunity for CreditAccess Grameen Ltd to offer a wider range of financial products and services, such as savings accounts and insurance, diversifying their revenue streams.
- The company can explore strategic partnerships with other financial institutions or technology firms to enhance their product offerings, improve distribution channels, and tap into new customer segments.
Threats
- Any changes in regulations related to microfinance institutions may impact the company's operations and lending activities. Compliance with evolving regulatory requirements is essential to mitigate this threat.
- The microfinance sector is highly competitive, with the presence of both established players and new entrants. CreditAccess Grameen Ltd needs to continuously innovate and differentiate to stay ahead of the competition.
- CreditAccess Grameen Ltd faces the risk of loan defaults and delinquencies, which may impact their financial stability and profitability. Rigorous credit assessment and risk management practices are crucial in mitigating this threat.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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