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CreditAccess Grameen Limited
CreditAccess Grameen Limited (“CA Grameen”) is a leading micro-finance institution from Bengaluru, focused primarily on Women Customers providing joint liability group loans (JLG) and micro-loans in rural areas in India.
Sector Focus
Finance NBFC
Highest Credit Rating
AA- Stable by Ind-Ra
Listing (Debt)
NSE & BSE
Date of NBFC License by RBI
2013
Business & Products
Lending- Microfinance - group lending, Retail Finance, digital Lending & Distributor products
Promoter
Mr. Vinatha Reddy
Mr. Suresh Krishna
Key Management Personnel
Mr. Udaya Kumar Hebbar
MD, Ex- Barclays, ICICI Bank, INSEAD Alumnus
Mr. Ganesh Narayanan
CEO, Ex group president Yes Bank, Fullertron, ICICI Bank
Mr. Nilesh Dalvi
Chief Financial Officer
Mr. Firoz Anam
Chief Risk Officer, Ex -JP Morgan, Citi, ICICI Bank, IIM Bangalore alumnus
Mr. Sudesh Puthran
Chief Technology Officer
Mr. Gururaj K S Rao
Chief Operating Officer
Bonds issued by CreditAccess Grameen Limited
Financial Performance
| Particulars | FY 2025 (Cr) | FY 2024 (Cr) | FY 2023 (Cr) |
|---|---|---|---|
| NET WORTH | 6933 | 6524.63 | 5047.74 |
| REVENUE | 5756.14 | 5172.65 | 3550.76 |
| PAT | 531.40 | 1445.93 | 826.03 |
| CRAR% | 25.42 | 23.13 | 23.58 |
| GNPA% | 4.76 | 1.18 | 1.21 |
| NNPA% | 1.73 | 0.35 | 0.35 |
| GEARING (times) | 2.95 | 3.35 | 3.23 |
Credit Rating
| Credit Rating Agency | Rating | Rating Outlook | Date |
|---|---|---|---|
| INDIA RATING AND RESEARCH PVT | AA- | Stable | -- |
Top Lenders to CreditAccess Grameen Limited
Bank of Baroda
Bajaj Finance
HDFC Bank Limited
Bandhan Bank
IDBI Bank
IDFC First Bank
NABARD
Punjab National Bank
SIDBI
Standard Chartered bank
Strength
Large Rural-focused Franchise with Well-established Track Record
Adequate Capitalisation
Weakness
Moderation in asset quality and earnings profile
Geographically Concentrated Nature of Operations
Sectoral Risk Given Large Concentration of Microfinance Book
Important Links
Source:
Investors Presentation, Information Memorandum & Rating Rationale of CreditAccess Grameen Limited
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India Bond Private Limited
CIN: U67100MH2008PTC178990
SEBI Registration No.: INZ000311637
NSE Member ID - Debt Segment: 90316
BSE Member ID - Debt Segment: 6811
CIN: U67100MH2008PTC178990
SEBI Registration No.: INZ000311637
NSE Member ID - Debt Segment: 90316
BSE Member ID - Debt Segment: 6811
Registered Address: 605, 6th Floor, Windsor, Off CST Road, Kalina, Santacruz - (East), Mumbai – 400 098.
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