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CreditAccess Grameen Ltd: Business Overview, Financials & Competitive Analysis

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...

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6/ 10Solid

Cyborg Score thesis

Systemically important financial inclusion player with scale and recovery momentum, but hampered by compressed margins and...

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Industry Microfinance
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: September 14, 2026
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CreditAccess Grameen Ltd Overview

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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

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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

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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

What the analysts stress-tested

The top findings that survived the multi-agent debate for CreditAccess Grameen Ltd.

  • Asset quality normalized across geographies with 99.84% X-bucket collection efficiency (March 2026), indicating strong recovery from prior stress.
  • Q3 FY26 profit turnaround: net profit of Rs 252.1 crore vs. loss of Rs 99.5 crore in Q3 FY25; PAT more than doubled sequentially from Q2 FY26.
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Recent developments

Material events tracked by the AskCyborg corpus.

  • June 2026Chief Compliance Officer appointment: Devika Praveen appointed effective 11 June 2026.
  • April 2026Strong Q4 FY26 results: net profit of Rs 252.1 crore in Q3 FY26 vs. loss of Rs 99.5 crore in Q3 FY25; 100.4% sequential PAT growth from Q2 FY26.
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Jana Small Finance BankRural microfinance and small finance banking→Capital Small Finance BankSmall finance banking and microfinance services→SuryodayMicrofinance and small enterprise lending→

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Industry context

CreditAccess Grameen Ltd operates in Microfinance. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does CreditAccess Grameen Ltd do?+
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...
What is CreditAccess Grameen Ltd's Cyborg Score?+
CreditAccess Grameen Ltd has a Cyborg Score of 6/10 (Solid). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are CreditAccess Grameen Ltd's main competitors?+
Named competitors include Jana Small Finance Bank, Capital Small Finance Bank, Suryoday. The full competitive landscape is in the AskCyborg report.
How can I get the full CreditAccess Grameen Ltd research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the CreditAccess Grameen Ltd research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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