Indian Company Master Data Made Simple
Creditaccess Grameen Limited
Creditaccess Grameen Limited has been active since 1991, providing more than 35 years of industry experience. Creditaccess Grameen Limited holds the CIN L51216KA1991PLC053425 and registration number 53425. The firm is categorized as company limited by shares. The firm’s authorized share capital totals ₹170.00 crore. It has a paid-up capital totaling ₹159.38 crore.
The company’s main operations are related to wholesale of agricultural raw material, live animals, food beverages and tobacco. Its registered office is located in Bangalore. The company is incorporated with the address New No.49(oldno725),46th Cross, 8th Block, Jayanagar (next To Rajalakshmi Kalyana Mantapa), B Sk Ii Stage, Bangalore, Bangalore South, Karnataka, India, 560070. The firm continues to be in active status. According to the LEI registry, the company’s code is 335800YHFDVKKBDQMK23. You can reach the company via email at cs@cagrameen.in. At the helm are Nilesh Shrikrishna Dalvi (CFO) and Ganesh Narayanan (CEO).
Company Overview
- CIN
- Date of Incorporation
- 11/06/1991
- Company Status
- Active
- RoC
- Bangalore
- Registration Number
- Balance sheet date
- 31/03/2024
- Company Category
- Company limited by shares
- Company Sub Category
- Non-government company
- Listed in Stock Exchange
- Yes
- Class of Company
- Public Limited Company
- LEI Number
- LEI Status
- Issued
- Authorized Capital
- ₹1,70,00,00,000.00
- Paid up Capital
- ₹1,59,38,32,940.00
- Activity
- Wholesale of agricultural raw material, live animals, food beverages and tobacco
- cs@cagrameen.in
- PAN
GST Numbers
| State | GST Number | Status |
|---|---|---|
| Andhra Pradesh | 37AAECS7201G1ZI | Active |
| Bihar | 10AAECS7201G1ZY | Active |
| Chhattisgarh | 22AAECS7201G1ZT | Active |
| Gujarat | 24AAECS7201G1ZP | Active |
| Goa | 30AAECS7201G1ZW | Active |
| Jharkhand | 20AAECS7201G2ZW | Inactive |
| 20AAECS7201G1ZX | Active | |
| Kerala | 32AAECS7201G1ZS | Active |
| Karnataka | 29AAECS7201G2ZE | Active |
| 29AAECS7201G1ZF | Active |
ISIN Numbers
| ISIN | Security | Interest Rate | Maturity Date | FISN | CFI |
|---|---|---|---|---|---|
| INE741K07579 | CREDITACCESS GRAMEEN LIMITED SR VII TR II 9.70 LOA 07SP28 FVRS1000 | 9.7% | 07/09/2028 | CREDITACCESS GR/9.7 DEB SECD | DBFSFN |
| INE741K07546 | CREDITACCESS GRAMEEN LIMITED SR VIII TR II LOA 07SP28 FVRS1000 | - | 07/09/2028 | CREDITACCESS GR/Zero DEB SECD | DBZSFN |
| INE741K07496 | CREDITACCESS GRAMEEN LIMITED SR V TR I 10 LOA 23NV27 FVRS 1000 | 10% | 23/11/2027 | CREDITACCESS GR/10 DEB SECD | DBFSFN |
| INE741K07504 | CREDITACCESS GRAMEEN LIMITED SR VI TR I LOA 23NV27 FVRS 1000 | - | 23/11/2027 | CREDITACCESS GR/0 DEB 20271123 SECD | DBZSFN |
| INE741K07553 | CREDITACCESS GRAMEEN LIMITED SR VI TR II LOA 07NV27 FVRS1000 | - | 07/11/2027 | CREDITACCESS GR/Zero DEB SECD | DBZSFN |
| INE741K07587 | CREDITACCESS GRAMEEN LIMITED SR V TR II 9.40 LOA 07NV27 FVRS1000 | 9.4% | 07/11/2027 | CREDITACCESS GR/9.4 DEB SECD | DBFSFN |
| INE741K07512 | CREDITACCESS GRAMEEN LIMITED 10.15 LOA 18NV26 FVRS10LAC | 10.15% | 18/11/2026 | CREDITACCESS GR/10.15 DEB SECD | DBFSAN |
| INE741K07595 | CREDITACCESS GRAMEEN LIMITED SR III TR II 9.25 LOA 07JU26 FVRS1000 | 9.25% | 07/06/2026 | CREDITACCESS GR/9.25 DEB SECD | DBFSFN |
| INE741K07538 | CREDITACCESS GRAMEEN LIMITED SR IV TR II LOA 07JU26 FVRS1000 | - | 07/06/2026 | CREDITACCESS GR/Zero DEB SECD | DBZSFN |
| INE741K01010 | CREDITACCESS GRAMEEN LIMITED EQ | - | 28/04/2026 | CREDITACCESS GR/SH VTG | ESVUFN |
| IN8741K01019 | CREDITACCESS GRAMEEN LIMITED EQ LISTING/TRADING APPROVAL AWAITED | - | 28/04/2026 | CREDITACCESS GR/SH VTG | ESVUFN |
| INE741K07470 | CREDITACCESS GRAMEEN LIMITED SR III TR I 9.60 LOA 23NV25 FVRS1000 | 9.6% | 23/11/2025 | CREDITACCESS GR/9.6 DEB SECD | DBFSFN |
| INE741K07488 | CREDITACCESS GRAMEEN LIMITED SR IV TR I LOA 23NV25 FVRS 1000 | - | 23/11/2025 | CREDITACCESS GR/0 DEB SECD | DBZSFN |
| INE741K07561 | CREDITACCESS GRAMEEN LIMITED SR II TR II LOA 07SP25 FVRS1000 | - | 07/09/2025 | CREDITACCESS GR/Zero DEB SECD | DBZSFN |
| INE741K07520 | CREDITACCESS GRAMEEN LIMITED SR I TR II 9.10 LOA 07SP25 FVRS1000 | 9.1% | 07/09/2025 | CREDITACCESS GR/9.1 DEB SECD | DBFSFN |
| INE741K07454 | CREDITACCESS GRAMEEN LIMITED SR II TR I LOA 23NV24 FVRS1000 | - | 23/11/2024 | CREDITACCESS GR/0 DEB SECD | DBZSFN |
| INE741K07462 | CREDITACCESS GRAMEEN LIMITED SR I TR I 9.45 LOA 23NV24 FVRS1000 | 9.45% | 23/11/2024 | CREDITACCESS GR/9.45 DEB SECD | DBFSFN |
Balance Sheet
| Metric | 31/03/2025 | 31/03/2024 | 31/03/2023 | 31/03/2022 |
|---|---|---|---|---|
| Total Non Current Liabilities Net Minority Interest | ₹10,10,196.00L | ₹12,08,088.00L | ₹8,43,766.00L | ₹5,90,128.00L |
| Total Liabilities Net Minority Interest | ₹20,84,648.00L | ₹22,30,085.00L | ₹16,75,113.00L | ₹13,31,481.00L |
| Accumulated Depreciation | -₹14,230.00L | -₹11,799.00L | -₹10,116.00L | -₹7,554.00L |
| Tangible Book Value | ₹6,47,959.00L | ₹6,07,771.00L | ₹4,60,083.00L | ₹3,64,151.00L |
| Long Term Debt | ₹9,98,524.00L | ₹11,97,048.00L | ₹8,35,266.00L | ₹5,80,240.00L |
| Goodwill | ₹37,568.00L | ₹37,568.00L | ₹37,568.00L | ₹37,568.00L |
| Long Term Provisions | ₹5,879.00L | ₹4,746.00L | ₹2,605.00L | ₹2,274.00L |
| Current Debt And Capital Lease Obligation | ₹10,46,053.00L | ₹9,87,053.00L | ₹7,95,960.00L | ₹7,12,958.00L |
| Total Assets | ₹27,80,245.00L | ₹28,87,083.00L | ₹21,85,810.00L | ₹17,48,172.00L |
| Machinery Furniture Equipment | ₹22,017.00L | ₹19,102.00L | ₹15,089.00L | ₹14,083.00L |
| Total Equity Gross Minority Interest | ₹6,95,597.00L | ₹6,56,998.00L | ₹5,10,697.00L | ₹4,16,691.00L |
| Gross PPE | ₹27,301.00L | ₹23,933.00L | ₹19,798.00L | ₹18,210.00L |
| Total Capitalization | ₹16,94,121.00L | ₹18,54,046.00L | ₹13,45,963.00L | ₹9,96,931.00L |
| Common Stock | ₹15,972.00L | ₹15,938.00L | ₹15,891.00L | ₹15,587.00L |
| Total Debt | ₹20,44,577.00L | ₹21,84,101.00L | ₹16,31,226.00L | ₹13,00,569.00L |
| Goodwill And Other Intangible Assets | ₹47,638.00L | ₹49,227.00L | ₹50,614.00L | ₹52,540.00L |
| Derivative Product Liabilities | ₹3,250.00L | ₹0.00L | ₹0.00L | ₹166.00L |
| Other Equity Interest | ₹4,926.00L | ₹3,117.00L | ₹1,941.00L | ₹1,172.00L |
| Other Non Current Liabilities | ₹2,286.00L | ₹2,486.00L | -₹1.00L | -₹1.00L |
| Capital Stock | ₹15,972.00L | ₹15,938.00L | ₹15,891.00L | ₹15,587.00L |
| Additional Paid In Capital | ₹2,52,092.00L | ₹2,49,813.00L | ₹2,47,859.00L | ₹2,26,812.00L |
| Total Non Current Assets | ₹11,06,016.00L | ₹10,78,290.00L | ₹8,81,224.00L | ₹6,78,402.00L |
| Invested Capital | ₹27,40,174.00L | ₹28,41,099.00L | ₹21,41,923.00L | ₹17,08,760.00L |
| Cash Cash Equivalents And Short Term Investments | ₹2,29,228.00L | ₹2,75,702.00L | ₹1,91,638.00L | ₹1,67,948.00L |
| Net Tangible Assets | ₹6,47,959.00L | ₹6,07,771.00L | ₹4,60,083.00L | ₹3,64,151.00L |
| Cash And Cash Equivalents | ₹1,27,149.00L | ₹1,10,729.00L | ₹1,34,141.00L | ₹1,58,055.00L |
| Stockholders Equity | ₹6,95,597.00L | ₹6,56,998.00L | ₹5,10,697.00L | ₹4,16,691.00L |
| Hedging Assets Current | ₹10,111.00L | ₹6,122.00L | ₹3,163.00L | ₹0.00L |
| Other Short Term Investments | ₹1,02,079.00L | ₹1,64,973.00L | ₹57,497.00L | ₹9,893.00L |
| Share Issued | ₹1,597.20L | ₹1,593.77L | ₹1,589.06L | ₹1,558.66L |
| Current Assets | ₹16,74,230.00L | ₹18,08,792.00L | ₹13,04,585.00L | ₹10,69,776.00L |
| Working Capital | ₹5,99,778.00L | ₹7,86,795.00L | ₹4,73,238.00L | ₹3,28,423.00L |
| Net Debt | ₹19,17,428.00L | ₹20,73,372.00L | ₹14,97,085.00L | ₹11,34,014.00L |
| Current Debt | ₹10,46,053.00L | ₹9,87,053.00L | ₹7,95,960.00L | ₹7,11,829.00L |
| Ordinary Shares Number | ₹1,597.20L | ₹1,593.77L | ₹1,589.06L | ₹1,558.66L |
| Financial Assets | ₹10,111.00L | ₹3,655.00L | ₹3,163.00L | ₹0.00L |
| Long Term Debt And Capital Lease Obligation | ₹9,98,524.00L | ₹11,97,048.00L | ₹8,35,266.00L | ₹5,87,611.00L |
| Current Liabilities | ₹10,74,452.00L | ₹10,21,997.00L | ₹8,31,347.00L | ₹7,41,353.00L |
| Net PPE | ₹13,071.00L | ₹12,134.00L | ₹9,682.00L | ₹10,656.00L |
| Retained Earnings | ₹3,27,198.00L | ₹3,01,107.00L | ₹1,85,513.00L | ₹1,19,473.00L |
| Common Stock Equity | ₹6,95,597.00L | ₹6,56,998.00L | ₹5,10,697.00L | ₹4,16,691.00L |
| Other Non Current Assets | ₹198.00L | ₹215.00L | ₹49.00L | ₹20.00L |
| Other Intangible Assets | ₹10,070.00L | ₹11,659.00L | ₹13,046.00L | ₹14,972.00L |
| Other Properties | ₹119.00L | ₹124.00L | ₹126.00L | ₹108.00L |
Cash Flow
| Metric | 31/03/2025 | 31/03/2024 | 31/03/2023 | 31/03/2022 |
|---|---|---|---|---|
| Changes In Cash | ₹16,420.00L | -₹23,412.00L | -₹23,914.00L | -₹77,954.00L |
| Financing Cash Flow | -₹1,66,938.00L | ₹5,49,386.00L | ₹3,36,507.00L | ₹1,96,689.00L |
| Net Income | ₹53,140.00L | ₹1,44,593.00L | ₹82,606.00L | ₹38,214.00L |
| Free Cash Flow | ₹1,09,159.00L | -₹4,75,409.00L | -₹3,30,710.00L | -₹2,74,133.00L |
| Investing Cash Flow | ₹70,834.00L | -₹99,420.00L | -₹31,443.00L | -₹3,296.00L |
| End Cash Position | ₹1,27,149.00L | ₹1,10,729.00L | ₹1,34,141.00L | ₹1,58,055.00L |
| Capital Expenditure | -₹3,365.00L | -₹2,031.00L | -₹1,732.00L | -₹2,786.00L |
| Beginning Cash Position | ₹1,10,729.00L | ₹1,34,141.00L | ₹1,58,055.00L | ₹2,36,009.00L |
| Operating Cash Flow | ₹1,12,524.00L | -₹4,73,378.00L | -₹3,28,978.00L | -₹2,71,347.00L |
| Issuance Of Capital Stock | ₹1,817.00L | ₹1,506.00L | ₹473.00L | ₹303.00L |
Income Statement
| Metric | 31/03/2025 | 31/03/2024 | 31/03/2023 | 31/03/2022 |
|---|---|---|---|---|
| Rent Expense Supplemental | ₹3,870.00L | ₹3,477.00L | ₹2,989.00L | ₹2,329.00L |
| Income Tax Expense | ₹0.00L | ₹0.00L | ₹0.00L | ₹0.00L |
| Total Operating Expenses | ₹0.00L | ₹0.00L | ₹0.00L | ₹0.00L |
| Net Income From Continuing Operation Net Minority Interest | ₹53,140.00L | ₹1,44,593.00L | ₹82,606.00L | ₹35,307.00L |
| EBITDA | ₹96,895.00L | ₹2,20,818.00L | ₹1,31,395.00L | ₹71,454.00L |
| Basic EPS | ₹0.00L | ₹0.00L | ₹0.00L | ₹0.00L |
| Total Unusual Items | -₹1,82,666.00L | -₹27,824.00L | -₹20,285.00L | -₹50,637.00L |
| Operating Revenue | ₹5,53,919.00L | ₹4,90,497.00L | ₹3,29,698.00L | ₹2,54,704.00L |
| Total Expenses | ₹2,91,081.00L | ₹2,55,185.00L | ₹1,88,209.00L | ₹1,41,101.00L |
| Ebit | ₹0.00L | ₹0.00L | ₹0.00L | ₹0.00L |
| Tax Effect Of Unusual Items | -₹45,731.57L | -₹7,077.32L | -₹5,126.39L | -₹13,451.52L |
| Total Unusual Items Excluding Goodwill | -₹1,82,666.00L | -₹27,824.00L | -₹20,285.00L | -₹50,637.00L |
| Interest Income Non Operating | ₹10,920.00L | ₹8,756.00L | ₹4,966.00L | ₹3,380.00L |
| Interest Income | ₹10,920.00L | ₹8,756.00L | ₹4,966.00L | ₹3,380.00L |
| Interest Expense Non Operating | ₹19,786.00L | ₹21,785.00L | ₹15,869.00L | ₹18,652.00L |
| General And Administrative Expense | ₹5,927.00L | ₹4,865.00L | ₹4,619.00L | ₹3,223.00L |
| Net Income From Continuing And Discontinued Operation | ₹53,140.00L | ₹1,44,593.00L | ₹82,606.00L | ₹35,307.00L |
| Reconciled Depreciation | ₹6,222.00L | ₹5,115.00L | ₹4,984.00L | ₹4,723.00L |
| Net Income Continuous Operations | ₹53,140.00L | ₹1,44,593.00L | ₹82,606.00L | ₹35,307.00L |
| Reconciled Cost Of Revenue | ₹2,38,867.00L | ₹2,10,160.00L | ₹1,51,025.00L | ₹1,18,862.00L |
| Net Income | ₹53,140.00L | ₹1,44,593.00L | ₹82,606.00L | ₹35,307.00L |
| Operating Income | ₹2,62,838.00L | ₹2,35,312.00L | ₹1,41,489.00L | ₹1,13,603.00L |
| Diluted Average Shares | ₹1,598.57L | ₹1,599.33L | ₹1,594.20L | ₹1,590.21L |
| Total Other Finance Cost | ₹801.00L | ₹1,139.00L | ₹326.00L | ₹344.00L |
| Normalized Income | ₹1,90,074.43L | ₹1,65,339.68L | ₹97,764.61L | ₹72,492.48L |
| Net Non Operating Interest Income Expense | -₹9,667.00L | -₹14,168.00L | -₹11,229.00L | -₹15,616.00L |
| EBIT | ₹90,673.00L | ₹2,15,703.00L | ₹1,26,411.00L | ₹66,731.00L |
| Gross Profit | ₹3,15,052.00L | ₹2,80,337.00L | ₹1,78,673.00L | ₹1,35,842.00L |
| Diluted NIAvailto Com Stockholders | ₹53,140.00L | ₹1,44,593.00L | ₹82,606.00L | ₹35,307.00L |
| Cost Of Revenue | ₹2,38,867.00L | ₹2,10,160.00L | ₹1,51,025.00L | ₹1,18,862.00L |
| Net Interest Income | -₹9,667.00L | -₹14,168.00L | -₹11,229.00L | -₹15,616.00L |
| Operating Expense | ₹52,214.00L | ₹45,025.00L | ₹37,184.00L | ₹22,239.00L |
| Normalized EBITDA | ₹2,79,561.00L | ₹2,48,642.00L | ₹1,51,680.00L | ₹1,22,091.00L |
| Net Income Common Stockholders | ₹53,140.00L | ₹1,44,593.00L | ₹82,606.00L | ₹35,307.00L |
| Pretax Income | ₹70,887.00L | ₹1,93,918.00L | ₹1,10,542.00L | ₹48,079.00L |
| Tax Rate For Calcs | ₹0.00L | ₹0.00L | ₹0.00L | ₹0.00L |
| Total Revenue | ₹5,53,919.00L | ₹4,90,497.00L | ₹3,29,698.00L | ₹2,54,704.00L |
| Selling General And Administration | ₹5,927.00L | ₹4,865.00L | ₹4,619.00L | ₹3,223.00L |
| Other Operating Expenses | ₹26,721.00L | ₹23,240.00L | ₹18,286.00L | ₹13,881.00L |
| Diluted EPS | ₹0.00L | ₹0.00L | ₹0.00L | ₹0.00L |
| Interest Expense | ₹19,786.00L | ₹21,785.00L | ₹15,869.00L | ₹18,652.00L |
| Basic Average Shares | ₹1,594.90L | ₹1,591.01L | ₹1,587.35L | ₹1,583.99L |
| Tax Provision | ₹17,747.00L | ₹49,325.00L | ₹27,936.00L | ₹12,772.00L |
| Net Income Including Noncontrolling Interests | ₹53,140.00L | ₹1,44,593.00L | ₹82,606.00L | ₹35,307.00L |
| Otherunder Preferred Stock Dividend | ₹0.00L | ₹0.00L | ₹0.00L | ₹0.00L |
Company Performance (FY22–FY25)
Directors
| Appointment | Director name | DIN | Designation | |
|---|---|---|---|---|
| 15/07/2015 | Udaya Kumar Hebbar | 07235226 | Managing Director | View other directorships |
| 09/09/2015 | George Joseph | 00253754 | Director | View other directorships |
| 16/08/2016 | Sumit Kumar | 07415525 | Nominee Director | View other directorships |
| 25/07/2017 | Massimo Vita | 07863194 | Nominee Director | View other directorships |
| 30/10/2019 | Manoj Kumar | 02924675 | Director | View other directorships |
| 22/01/2020 | Mahadev Prakash Jayakumar Matada | *****6304F | Company Secretary | |
| 16/09/2020 | Lilian Jessie Paul | 02864506 | Director | View other directorships |
| 21/10/2022 | Rekha Gopal Warriar | 08152356 | Director | View other directorships |
| 21/10/2022 | Paolo Brichetti | 01908040 | Director | View other directorships |
| 01/08/2023 | Ganesh Narayanan | *****7707A | CEO | |
| 06/09/2024 | Nilesh Shrikrishna Dalvi | *****7500M | CFO |
Latest Documents
| Date | Title | Size |
|---|---|---|
| 25/09/2024 | Form MGT-7-25092024 | - |
| 24/09/2024 | Form MGT-7-24092024 | - |
| 10/09/2024 | Form AOC-4 CFS NBFC(Ind AS)-10092024_signed | - |
| 09/09/2024 | Form AOC-4 NBFC(IND AS)-09092024_signed | - |
| 08/04/2024 | Form Addendum to AOC-4 CSR-08042024_signed | - |
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Address
Frequently Asked Questions
The current board member of Creditaccess Grameen Limited are:
- Rekha Gopal Warriar
- Udaya Kumar Hebbar
- Massimo Vita
- Sumit Kumar
- Lilian Jessie Paul
- George Joseph
- Manoj Kumar
- Paolo Brichetti