	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	R 2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	R 2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M PR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR
Total Revenue	87	144	273	461	705	871	1,281	1,699	2,458	2,666	3,485	5,115	5,722	6,007
Total Operating Expenses	40	51	77	129	268	203	294	421	583	611	772	998	1,140	1,303
Operating Profit	47	93	195	332	437	668	987	1,278	1,875	2,054	2,714	4,117	4,582	4,704
Operating Margin	54.0	64.8	71.6	72.0	61.9	76.7	77.1	75.2	76.3	77.1	77.9	80.5	80.1	78.3
Financing Income/(Expense) - Net	-39	-67	-122	-204	-314	-354	-417	-580	-929	-984	-1,213	-1,732	-1,948	-1,899
Profit before Taxes	9	28	76	130	124	328	498	462	180	481	1,105	1,939	709	1,033
Income Taxes	1	9	27	47	44	116	176	126	49	128	279	493	177	256
Profit after Tax	8	19	49	84	80	212	322	334	134	353	826	1,446	531	778
PAT Margin	9.8	12.8	18.1	18.2	11.4	24.4	25.1	19.6	5.5	13.2	23.7	28.3	9.3	12.9
EPS - Basic - ex Extraordinary Items	0.66	1.44	3.86	6.53	6.26	20.91	23.37	23.20	8.96	22.29	52.04	90.88	33.32	48.63
EPS - Diluted - ex Extraordinary Items	0.66	1.44	3.86	6.53	6.26	20.65	23.15	23.00	8.90	22.20	51.82	90.41	33.24	48.44
EBIT	47	93	195	332	437	668	987	1,278	1,875	2,054	2,714	4,117	4,582	4,704
EBITDA	47	94	197	334	441	673	995	1,298	1,919	2,102	2,763	4,169	4,644	4,767
EBITDA Margin	54.7	65.1	72.3	72.6	62.6	77.3	77.7	76.4	78.1	78.8	79.3	81.5	81.2	79.4

Balance Sheet

Abridged

Understanding Balance Sheet

CreditAccess Grameen Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	R 2017 Mar 31	R 2018 Mar 31	2019 Mar 31	2020 Mar 31	R 2021 Mar 31	R 2022 Mar 31	2023 Mar 31	R 2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR
Property Plant & Equipment - Net	3	2	3	5	7	9	19	86	92	107	97	121	131	131
Total Assets	545	1,062	1,731	2,813	3,338	5,114	7,357	12,590	15,155	17,482	21,858	28,871	27,802	31,930
Long Term Debt	147	370	585	1,122	2,685	1,473	2,259	4,112	11,017	5,084	7,332	12,058	10,068	10,793
Total Liabilities	433	851	1,350	2,348	2,725	3,676	4,992	9,746	11,264	13,315	16,751	22,301	20,846	24,088
Total Shareholders' Equity	112	211	381	465	613	1,437	2,365	2,734	3,891	4,167	5,107	6,570	6,956	7,842
Minority Interest	-	-	-	-	-	-	-	109	-	-	-	-	-	-
Total Equity	112	211	381	465	613	1,437	2,365	2,843	3,891	4,167	5,107	6,570	6,956	7,842
Total Liabilities & Equity	545	1,062	1,731	2,813	3,338	5,114	7,357	12,590	15,155	17,482	21,858	28,871	27,802	31,930
Total Current Assets	409	852	1,375	1,980	-	-	-	-	-	-	-	-	-	-
Total Current Liabilities	281	478	762	1,215	-	-	-	-	-	-	-	-	-	-

Cash Flow

Abridged

Understanding Cash Flow Statement

CreditAccess Grameen Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	C 2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M PR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR
Operating CF bef Changes in Working Cap	15	29	59	110	171	286	413	519	744	950	1,288	1,755	2,260	2,620
Working Capital - Increase/(Decrease)	-118	-272	-675	-1,098	-595	-2,012	-1,791	-2,747	-1,173	-3,630	-4,542	-6,454	-1,074	-5,361
Net CF from Operating Activities	-103	-243	-616	-988	-425	-1,726	-1,378	-2,228	-429	-2,680	-3,254	-4,699	1,186	-2,742
Capital Expenditures - Net	0	1	5	8	8	7	18	22	14	28	17	20	33	17
Net CF from Investing Activities	-31	-25	-83	53	-5	54	-7	-638	-2	-67	-351	-1,029	647	-129
Dividends Paid - Cash - Total	-	-	-	-	-	-	-	-	-	-	-	-	159	-
Stock - Issuance/(Retirement) - Net	-	-	120	-	150	353	631	4	803	3	5	15	18	32
Debt - LT & ST - Issuance/(Retirement) - Total	-	-	485	943	435	1,117	1,228	2,917	1,357	1,965	3,360	5,479	-1,528	2,719
Net Cash Flow from Financing Activities	-	-	597	934	579	1,470	1,829	2,921	2,146	1,968	3,365	5,494	-1,669	2,751
Free Cash Flow to Equity	-104	-244	-136	-53	2	-615	-168	667	914	-743	90	760	-375	-40
Free Operating CF net dividend	-104	-244	-621	-996	-433	-1,733	-1,396	-2,250	-444	-2,708	-3,271	-4,719	993	-2,759
Free Operating CF	-104	-244	-621	-996	-433	-1,733	-1,396	-2,250	-444	-2,708	-3,271	-4,719	1,153	-2,759

Business Segment Analysis

FY End:

Mar 26

CreditAccess Grameen Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Capex

lending to borrowers (100.0%)₹ 17.60 Cr

Revenue / Sales

lending to borrowers (100.0%)₹ 6,006.83 Cr

Assets

lending to borrowers (100.0%)₹ 31,930.23 Cr

Operating Income

lending to borrowers (100.0%)₹ 4,704.06 Cr

Regional Segment Analysis

FY End:

Mar 26

CreditAccess Grameen Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

India (100.0%)₹ 6,006.83 Cr

Assets

India (100.0%)₹ 31,930.23 Cr

Historical Segment Analysis

Track how CreditAccess Grameen Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Capex

Sales

Assets

Operating Income

Business

Regional

Business

	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

lending to borrowers	22	15	28	17	20	34	18

Frequently Asked Questions

What is the revenue of CreditAccess Grameen Ltd.?

The latest trailing twelve month revenue of CreditAccess Grameen Ltd. is ₹ 6,006.83 Cr, reflecting a 1-year growth of 4.97% and a 3-year CAGR of 19.90%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of CreditAccess Grameen Ltd.?

The latest trailing twelve month net profit (PAT) of CreditAccess Grameen Ltd. is ₹ 777.64 Cr, with a 3-year earnings CAGR of -2.22%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of CreditAccess Grameen Ltd.?

The trailing twelve month EBITDA of CreditAccess Grameen Ltd. is approximately ₹ 4,704.06 Cr (based on an operating margin of 78.31%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of CreditAccess Grameen Ltd.?

The trailing twelve month Earnings Per Share (EPS) of CreditAccess Grameen Ltd. is 48.44. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of CreditAccess Grameen Ltd.?

The debt-to-equity ratio of CreditAccess Grameen Ltd. stands at 3.01. The interest coverage ratio is 2.48x, reflecting the company's ability to service debt from operating earnings. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of CreditAccess Grameen Ltd.?

The estimated book value per share of CreditAccess Grameen Ltd. is 491.52 (derived from a P/B ratio of 3.15 and market price of ₹ 1,546.10), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of CreditAccess Grameen Ltd.?

The trailing twelve month operating cash flow of CreditAccess Grameen Ltd. is ₹ -2,741.51 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does CreditAccess Grameen Ltd. report consolidated or standalone financials?

CreditAccess Grameen Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.