CreditAccess Grameen Ltd: Business Overview, Financials & Competitive Analysis
CreditAccess Grameen Ltd scores 6/10 on the AskCyborg Cyborg Score (Solid). Systemically important financial inclusion player with scale and recovery momentum, but hampered by compressed margins and limited profitability despite portfolio growth. CreditAccess Grameen reported strong operational performance for FY26, led by healthy disbursement growth, portfolio expansion and improvement in asset quality, with overall X-bucket collection efficiency at 99.84% in.
What is CreditAccess Grameen Ltd's industry? CreditAccess Grameen Ltd (creditaccess.co.in) operates in Microfinance. AskCyborg classifies CreditAccess Grameen Ltd under Microfinance in its company registry.
CreditAccess Grameen Limited is a leading Indian microfinance institution headquartered in Bengaluru, focused on providing micro-loans to women customers predominantly in rural areas across India. It holds a 6.9% mark...
Cyborg Score thesis
Systemically important financial inclusion player with scale and recovery momentum, but hampered by compressed margins and...
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Get Current Report FreeCreditAccess Grameen Ltd Overview
Pro stress-test →CreditAccess Grameen Limited is a leading Indian microfinance institution headquartered in Bengaluru, focused on providing micro-loans to women customers predominantly in rural areas across India. It holds a 6.9% market share in the overall microfinance industry, with 2,236 branches operating across 451 districts in 16 states and one union territory.
Strategic Profile
Pro stress-test →CreditAccess Grameen Limited is India's largest NBFC-MFI serving low-income households through joint liability group lending models. In March 2026, the company announced a significant syndicated social loan facility totaling USD 75 million, demonstrating access to global capital markets. The company's net profit swung to Rs 252.1 crore in Q3 FY26, compared with a loss of Rs 99.5 crore in Q3 FY25, signaling operational recovery.
Competitive Landscape
Pro stress-test →Top competitors include Jana Small Finance Bank, Capital Small Finance Bank, and Suryoday. CreditAccess Grameen's scale (6.9% market share, 2,236 branches) and access to global capital differentiate it in a fragmented microfinance sector. Competitors operate similar joint liability group models targeting rural women, but CreditAccess has achieved market leadership among NBFC-MFIs.
Industry Context
CreditAccess Grameen Ltd operates in Microfinance.
Key facts
Founded: 1991 · Headquarters: Bengaluru, India · Employees: 20,970 · Revenue: $643M · Market cap: $2.01B