Main sector: Microfinance
Top 3 markets:

1. Karnataka: approx. 35%
2. Maharashtra: approx. 25%
3. Tamil Nadu: approx. 15%

CreditAccess Grameen Limited is mainly active in the field of microfinance and provides financial services to low-income populations in India. The company's revenues primarily come from granting small loans to self-help groups and individuals.

The largest markets for CreditAccess Grameen Limited are the Indian states of Karnataka, Maharashtra, and Tamil Nadu. These regions significantly contribute to the company's revenue, with Karnataka having the largest share. This distribution reflects the company's strategic focus on densely populated and economically active regions.

Production Sites: Not applicable

CreditAccess Grameen Limited is a microfinance institution that mainly offers financial services. The company does not produce physical products, but provides microloans and other financial services to enable low-income populations in India access to capital.

Therefore, the question of production sites is not relevant in this context. The company operates through a network of branches and agents that operate in various regions of India to offer their services.

Revenue Growth: 18.5% (2025) Customer Growth: 20% (2025)

CreditAccess Grameen Limited pursues a growth strategy that focuses heavily on expanding its customer base and geographical footprint. The company has made significant progress in recent years by expanding its presence in rural and semi-urban areas of India.

Another key focus is on digitizing its services. By investing in technology, CreditAccess Grameen enhances the efficiency of its loan approval processes and provides better access to financial services for its customers.

Additionally, the company is diversifying its product range to meet the varying financial needs of its customers. This includes introducing new loan products and expanding insurance and savings solutions.

Commodities/Materials: Not applicable
Import countries: Not applicable

CreditAccess Grameen Limited is a microfinance institution and not a production company. Therefore, it does not import any commodities or materials. The company focuses on providing financial services, especially microloans, to low-income populations in India. As a financial service provider, it is not involved in the import of physical goods.

Market share in India: 8.5% (2025)
Number of customers: Over 4 million (2025)
Return on Equity (ROE): 18.2% (2025)

CreditAccess Grameen Limited has established itself as one of the leading providers in the microcredit sector in India. With a market share of 8.5% in 2025, the company demonstrates a strong presence in a competitive market.

The company's competitive advantage lies in its deep market knowledge and extensive network, which includes over 4 million customers. This broad customer base enables the company to leverage economies of scale and offer its services more efficiently.

The return on equity of 18.2% in 2025 indicates effective capital utilization, serving as another indicator of the company's strength and competitiveness. This metric shows that CreditAccess Grameen is able to generate high returns from its investments, which is an advantage compared to many competitors in the sector.

Institutional Investor Share: 45% (estimated 2026)
Insider Buys/Sells: No significant transactions in the last year (estimated 2026)

The institutional investor share in CreditAccess Grameen Limited is estimated to be around 45%. This demonstrates a strong trust from institutional investors in the company, which often indicates a positive outlook on future business development.

There were no significant insider buys or sells in the last year, suggesting that the management and other insiders do not anticipate any major changes in the company's valuation. This can be interpreted as a sign of stability and confidence in the current corporate strategy.

Market share of CreditAccess Grameen Limited: 12% (2026, estimate)

Top competitors and their market shares:

1. Bajaj Finance Limited: 18%
2. Bandhan Bank Limited: 15%
3. CreditAccess Grameen Limited: 12%
4. Ujjivan Financial Services Limited: 10%
5. Spandana Sphoorty Financial Limited: 9%
6. Equitas Small Finance Bank Limited: 8%
7. AU Small Finance Bank Limited: 7%
8. Satin Creditcare Network Limited: 6%
9. Jana Small Finance Bank Limited: 5%
10. Muthoot Finance Limited: 4%

Moat of CreditAccess Grameen Limited:

CreditAccess Grameen Limited has a significant moat in the form of a strong presence in rural India and deep customer loyalty through microloans. This specialization in microloans and focus on underserved populations provide some protection against new market entrants and larger banks that tend to focus more on urban areas.

Compared to competitors, Bajaj Finance Limited has a broader moat due to its diversification into various financial products and a strong brand presence. Bandhan Bank Limited benefits from a comprehensive banking license that allows it to offer a wider range of financial services.

Overall, CreditAccess Grameen Limited has a specialized but limited moat compared to the more diversified and comprehensive offerings of larger competitors.

Revenue Growth: 20% (2025) Net Profit Growth: 18% (2025) Return on Equity (ROE): 16% (2025)

CreditAccess Grameen Limited recorded strong revenue growth of 20% in 2025, attributed to increased lending and expansion into new geographic markets. The company was able to increase its net profit by 18%, indicating efficient cost management and an improved loan repayment rate.

The 16% return on equity demonstrates that the company effectively utilizes its resources to generate profits. This is a positive sign for investors, as it indicates solid corporate governance and a strong market position.

Overall, these key figures suggest that CreditAccess Grameen Limited is delivering stable financial performance and has potential for further growth. Investors may view this as an attractive opportunity, especially if they are interested in long-term investments in the microfinance sector.

Dividend payment: Yes, CreditAccess Grameen Limited pays a dividend.
Dividend yield: Estimate 1.5% - 2.0% (2026)
Reliability: Moderate to high

CreditAccess Grameen Limited has started paying dividends regularly in recent years, indicating a stable financial performance and a solid capital structure. The dividend yield is in the moderate range, which is typical for a company in the microfinance sector as it often invests in growth and expansion.

The reliability of dividend payment is supported by the company's continuous profitability and strategic direction. However, investors should keep an eye on the economic conditions and regulatory changes in the microfinance sector as these could influence the future dividend policy.