CREDITACC.NS
CREDITACC.NS
INE741K01010
CREDITACCESS GRAMEEN LTD
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Company Profile

CreditAccess Grameen Limited, a non-banking financial company, provides micro finance services for women from poor and low-income households in India. The company offers microcredit loans for income generation, home improvement, emergency, family welfare, and Grameen Unnati, as well as Grameen Suraksha, Grameen Sanchay, life insurance, and national pension schemes. It also provides retail finance loans, such as Grameen Vikas, Unnati loan, Grameen two-wheeler, Grameen Vishesh loan, and Grameen housing loan. In addition, the company offers digital lending products comprising Grameen Mahi, a customer app, Pragathi digital and multi-purpose digital loans. The company was formerly known as Grameen Koota Financial Services Private Limited and changed its name to CreditAccess Grameen Limited in January 2018. CreditAccess Grameen Limited was incorporated in 1991 and is headquartered in Bengaluru, India. CreditAccess Grameen Limited is a subsidiary of CreditAccess India BV.

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Key Metrics & Overview

Detailed metrics & financial data of the company

Company Profile
5 Metrics

🛡️ Risk & Structural Analysis

Multi-Factor Risk Model & Market Data

7/7 Very High
5Y Volatility
42.3% p.a.
Max Drawdown (5Y)
-53.9%
Sharpe Ratio (5Y)
0.26
Beta Factor
0.06
Size Class
Mega Cap
Notes & Warnings
Single Stock Risk: Investing in an individual stock carries full company and insolvency risk (no fund diversification).
Critical leverage: Debt-to-Equity is at 303%.
Strong cyclicality: The business model is sensitive to economic downturns.
Structurally High Volatility: Above-average fluctuations persist across 5 to 10 years (42.3% p.a.).
Historical Stress Test: Maximum peak-to-trough drawdown of -68.3% in the extended horizon.
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