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. The entity’s PAN (Permanent Account Number) stands as AAECS7201G. Its LEI code is registered as 335800YHFDVKKBDQMK23. All official communications can be sent to cs@cagrameen.in. The executive leadership listing includes 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 |
|---|---|---|---|---|---|
| INE741K07637 | CREDITACCESS GRAMEEN LIMITED SR II 9.25 NCD 02SP29 FVRS1LAC | 9.25% | 02/09/2029 | CREDITACCESS GR/9.25 DEB SNR | DBFSFN |
| INE741K07645 | CREDITACCESS GRAMEEN LIMITED 9.15 NCD 30SP28 FVRS1LAC | 9.15% | 30/09/2028 | CREDITACCESS GR/9.15 DEB SNR | DBFSFN |
| INE741K07546 | CREDITACCESS GRAMEEN LIMITED SR VIII TR II LOA 07SP28 FVRS1000 | - | 07/09/2028 | CREDITACCESS GR/Zero DEB SECD | DBZSFN |
| 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 |
| INE741K07629 | CREDITACCESS GRAMEEN LIMITED SR I 9.15 NCD 02SP28 FVRS1LAC | 9.15% | 02/09/2028 | CREDITACCESS GR/9.15 DEB SNR | DBFSFN |
| INE741K07611 | CREDITACCESS GRAMEEN LIMITED 9.25 NCD 26JU28 FVRS1LAC | 9.25% | 26/06/2028 | CREDITACCESS GR/9.25 DEB SNR | DBFSFN |
| INE741K07603 | CREDITACCESS GRAMEEN LIMITED RR NCD 12JU28 FVRS1LAC | 5% | 12/06/2028 | CREDITACCESS GR/Var DEB SNR | DBVSFN |
| 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 |
| INE741K01010 | CREDITACCESS GRAMEEN LIMITED EQ | - | 12/10/2026 | CREDITACCESS GR/SH VTG | ESVUFN |
| IN8741K01019 | CREDITACCESS GRAMEEN LIMITED EQ LISTING/TRADING APPROVAL AWAITED | - | 12/10/2026 | CREDITACCESS GR/SH VTG | ESVUFN |
| 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 |
| 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 |
| 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 |
| INE741K07561 | CREDITACCESS GRAMEEN LIMITED SR II TR II LOA 07SP25 FVRS1000 | - | 07/09/2025 | CREDITACCESS GR/Zero DEB SECD | DBZSFN |
| 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 | 31/03/2026 | 31/03/2025 | 31/03/2024 | 31/03/2023 | 31/03/2022 |
|---|---|---|---|---|---|
| Net PPE | ₹13,124.00L | ₹13,071.00L | ₹12,134.00L | ₹9,682.00L | ₹0.00L |
| Net Debt | ₹22,48,955.00L | ₹19,17,428.00L | ₹20,73,372.00L | ₹14,97,085.00L | ₹0.00L |
| Goodwill | ₹37,568.00L | ₹37,568.00L | ₹37,568.00L | ₹37,568.00L | ₹0.00L |
| Gross PPE | ₹30,098.00L | ₹27,301.00L | ₹23,933.00L | ₹19,798.00L | ₹0.00L |
| Total Debt | ₹23,64,113.00L | ₹20,44,577.00L | ₹21,84,101.00L | ₹16,31,226.00L | ₹0.00L |
| Common Stock | ₹16,020.00L | ₹15,972.00L | ₹15,938.00L | ₹15,891.00L | ₹0.00L |
| Current Debt | ₹12,92,900.00L | ₹10,46,053.00L | ₹9,87,053.00L | ₹7,95,960.00L | ₹0.00L |
| Share Issued | ₹1,601.96L | ₹1,597.20L | ₹1,593.77L | ₹1,589.06L | ₹0.00L |
| Total Assets | ₹31,93,023.00L | ₹27,80,245.00L | ₹28,87,083.00L | ₹21,85,810.00L | ₹0.00L |
| Capital Stock | ₹16,020.00L | ₹15,972.00L | ₹15,938.00L | ₹15,891.00L | ₹0.00L |
| Long Term Debt | ₹10,71,213.00L | ₹9,98,524.00L | ₹11,97,048.00L | ₹8,35,266.00L | ₹0.00L |
| Current Assets | ₹18,23,617.00L | ₹16,74,230.00L | ₹18,08,792.00L | ₹13,04,585.00L | ₹0.00L |
| Working Capital | ₹4,98,091.00L | ₹5,99,163.00L | ₹7,86,795.00L | ₹4,73,238.00L | ₹0.00L |
| Financial Assets | ₹33,188.00L | ₹0.00L | ₹3,655.00L | ₹3,163.00L | ₹0.00L |
| Invested Capital | ₹31,48,338.00L | ₹27,40,174.00L | ₹28,41,099.00L | ₹21,41,923.00L | ₹0.00L |
| Other Properties | ₹13,124.00L | ₹119.00L | ₹124.00L | ₹126.00L | ₹0.00L |
| Retained Earnings | ₹3,89,553.00L | ₹3,27,198.00L | ₹3,01,107.00L | ₹1,85,513.00L | ₹0.00L |
| Common Stock Equity | ₹7,84,225.00L | ₹6,95,597.00L | ₹6,56,998.00L | ₹5,10,697.00L | ₹0.00L |
| Net Tangible Assets | ₹7,38,586.00L | ₹6,47,959.00L | ₹6,07,771.00L | ₹4,60,083.00L | ₹0.00L |
| Tangible Book Value | ₹7,38,586.00L | ₹6,47,959.00L | ₹6,07,771.00L | ₹4,60,083.00L | ₹0.00L |
| Current Liabilities | ₹13,25,526.00L | ₹10,75,067.00L | ₹10,21,997.00L | ₹8,31,347.00L | ₹0.00L |
| Long Term Provisions | ₹7,591.00L | ₹5,879.00L | ₹4,746.00L | ₹2,605.00L | ₹0.00L |
| Stockholders Equity | ₹7,84,225.00L | ₹6,95,597.00L | ₹6,56,998.00L | ₹5,10,697.00L | ₹0.00L |
| Other Equity Interest | ₹6,616.00L | ₹4,926.00L | ₹3,117.00L | ₹1,941.00L | ₹0.00L |
| Total Capitalization | ₹18,55,438.00L | ₹16,94,121.00L | ₹18,54,046.00L | ₹13,45,963.00L | ₹0.00L |
| Hedging Assets Current | ₹23,752.00L | ₹10,111.00L | ₹6,122.00L | ₹3,163.00L | ₹0.00L |
| Ordinary Shares Number | ₹1,601.96L | ₹1,597.20L | ₹1,593.77L | ₹1,589.06L | ₹0.00L |
| Other Intangible Assets | ₹8,071.00L | ₹10,070.00L | ₹11,659.00L | ₹13,046.00L | ₹0.00L |
| Other Non Current Assets | ₹244.00L | ₹198.00L | ₹215.00L | ₹49.00L | ₹0.00L |
| Total Non Current Assets | ₹13,69,406.00L | ₹11,06,016.00L | ₹10,78,290.00L | ₹8,81,224.00L | ₹0.00L |
| Cash And Cash Equivalents | ₹1,15,158.00L | ₹1,27,149.00L | ₹1,10,729.00L | ₹1,34,141.00L | ₹0.00L |
| Accumulated Depreciation | -₹16,974.00L | -₹14,230.00L | -₹11,799.00L | -₹10,116.00L | ₹0.00L |
| Additional Paid In Capital | ₹2,56,105.00L | ₹2,52,092.00L | ₹2,49,813.00L | ₹2,47,859.00L | ₹0.00L |
| Other Short Term Investments | ₹1,26,687.00L | ₹1,02,079.00L | ₹1,64,973.00L | ₹57,497.00L | ₹0.00L |
| Other Non Current Liabilities | ₹2,659.00L | ₹2,286.00L | ₹2,486.00L | -₹1.00L | ₹0.00L |
| Machinery Furniture Equipment | ₹23,174.00L | ₹22,136.00L | ₹19,102.00L | ₹15,089.00L | ₹0.00L |
| Derivative Product Liabilities | ₹201.00L | ₹3,250.00L | ₹0.00L | ₹0.00L | ₹166.00L |
| Goodwill And Other Intangible Assets | ₹45,639.00L | ₹47,638.00L | ₹49,227.00L | ₹50,614.00L | ₹0.00L |
| Total Equity Gross Minority Interest | ₹7,84,225.00L | ₹6,95,597.00L | ₹6,56,998.00L | ₹5,10,697.00L | ₹0.00L |
| Total Liabilities Net Minority Interest | ₹24,08,798.00L | ₹20,84,648.00L | ₹22,30,085.00L | ₹16,75,113.00L | ₹0.00L |
| Current Debt And Capital Lease Obligation | ₹12,92,900.00L | ₹10,46,053.00L | ₹9,87,053.00L | ₹7,95,960.00L | ₹0.00L |
| Long Term Debt And Capital Lease Obligation | ₹10,71,213.00L | ₹9,98,524.00L | ₹11,97,048.00L | ₹8,35,266.00L | ₹0.00L |
| Cash Cash Equivalents And Short Term Investments | ₹2,41,845.00L | ₹2,29,228.00L | ₹2,75,702.00L | ₹1,91,638.00L | ₹0.00L |
| Total Non Current Liabilities Net Minority Interest | ₹10,83,272.00L | ₹10,09,581.00L | ₹12,08,088.00L | ₹8,43,766.00L | ₹0.00L |
Cash Flow
| Metric | 31/03/2026 | 31/03/2025 | 31/03/2024 | 31/03/2023 |
|---|---|---|---|---|
| Net Income | ₹77,764.00L | ₹53,140.00L | ₹1,44,593.00L | ₹82,606.00L |
| Free Cash Flow | -₹2,78,781.00L | ₹1,09,159.00L | -₹4,75,409.00L | -₹3,30,710.00L |
| Changes In Cash | -₹11,991.00L | ₹16,420.00L | -₹23,412.00L | -₹23,914.00L |
| End Cash Position | ₹1,15,158.00L | ₹1,27,149.00L | ₹1,10,729.00L | ₹1,34,141.00L |
| Financing Cash Flow | ₹2,75,095.00L | -₹1,66,938.00L | ₹5,49,386.00L | ₹3,36,507.00L |
| Investing Cash Flow | -₹10,065.00L | ₹70,834.00L | -₹99,420.00L | -₹31,443.00L |
| Operating Cash Flow | -₹2,77,021.00L | ₹1,12,524.00L | -₹4,73,378.00L | -₹3,28,978.00L |
| Capital Expenditure | -₹1,760.00L | -₹3,365.00L | -₹2,031.00L | -₹1,732.00L |
| Beginning Cash Position | ₹1,27,149.00L | ₹1,10,729.00L | ₹1,34,141.00L | ₹1,58,055.00L |
| Issuance Of Capital Stock | ₹3,185.00L | ₹1,817.00L | ₹1,506.00L | ₹473.00L |
Income Statement
| Metric | 31/03/2026 | 31/03/2025 | 31/03/2024 | 31/03/2023 |
|---|---|---|---|---|
| EBIT | ₹1,17,255.00L | ₹90,673.00L | ₹2,15,703.00L | ₹1,26,411.00L |
| Ebit | ₹0.00L | ₹0.00L | ₹0.00L | ₹0.00L |
| EBITDA | ₹1,23,563.00L | ₹96,895.00L | ₹2,20,818.00L | ₹1,31,395.00L |
| Basic EPS | ₹0.00L | ₹0.00L | ₹0.00L | ₹0.00L |
| Net Income | ₹77,764.00L | ₹53,140.00L | ₹1,44,593.00L | ₹82,606.00L |
| Diluted EPS | ₹0.00L | ₹0.00L | ₹0.00L | ₹0.00L |
| Gross Profit | ₹3,34,954.00L | ₹3,15,052.00L | ₹2,80,337.00L | ₹1,78,673.00L |
| Pretax Income | ₹1,03,320.00L | ₹70,887.00L | ₹1,93,918.00L | ₹1,10,542.00L |
| Tax Provision | ₹25,556.00L | ₹17,747.00L | ₹49,325.00L | ₹27,936.00L |
| Total Revenue | ₹5,83,323.00L | ₹5,53,919.00L | ₹4,90,497.00L | ₹3,29,698.00L |
| Cost Of Revenue | ₹2,48,369.00L | ₹2,38,867.00L | ₹2,10,160.00L | ₹1,51,025.00L |
| Total Expenses | ₹3,06,718.00L | ₹2,91,081.00L | ₹2,55,185.00L | ₹1,88,209.00L |
| Interest Income | ₹6,529.00L | ₹10,920.00L | ₹8,756.00L | ₹4,966.00L |
| Interest Expense | ₹13,935.00L | ₹19,786.00L | ₹21,785.00L | ₹15,869.00L |
| Operating Income | ₹2,76,605.00L | ₹2,62,838.00L | ₹2,35,312.00L | ₹1,41,489.00L |
| Tax Rate For Calcs | ₹0.00L | ₹0.00L | ₹0.00L | ₹0.00L |
| Income Tax Expense | ₹0.00L | ₹0.00L | ₹0.00L | ₹0.00L |
| Normalized EBITDA | ₹2,85,092.00L | ₹2,79,561.00L | ₹2,48,642.00L | ₹1,51,680.00L |
| Normalized Income | ₹1,99,339.12L | ₹1,90,074.43L | ₹1,65,339.68L | ₹97,764.61L |
| Operating Expense | ₹58,349.00L | ₹52,214.00L | ₹45,025.00L | ₹37,184.00L |
| Operating Revenue | ₹5,83,323.00L | ₹5,53,919.00L | ₹4,90,497.00L | ₹3,29,698.00L |
| Net Interest Income | -₹12,118.00L | -₹9,667.00L | -₹14,168.00L | -₹11,229.00L |
| Total Unusual Items | -₹1,61,529.00L | -₹1,82,666.00L | -₹27,824.00L | -₹20,285.00L |
| Basic Average Shares | ₹1,599.04L | ₹1,594.90L | ₹1,591.01L | ₹1,587.35L |
| Diluted Average Shares | ₹1,605.39L | ₹1,598.57L | ₹1,599.33L | ₹1,594.20L |
| Total Other Finance Cost | ₹4,712.00L | ₹801.00L | ₹1,139.00L | ₹326.00L |
| Other Operating Expenses | ₹29,296.00L | ₹26,721.00L | ₹23,240.00L | ₹18,286.00L |
| Reconciled Depreciation | ₹6,308.00L | ₹6,222.00L | ₹5,115.00L | ₹4,984.00L |
| Total Operating Expenses | ₹0.00L | ₹0.00L | ₹0.00L | ₹0.00L |
| Reconciled Cost Of Revenue | ₹2,48,369.00L | ₹2,38,867.00L | ₹2,10,160.00L | ₹1,51,025.00L |
| Rent Expense Supplemental | ₹4,304.00L | ₹3,870.00L | ₹3,477.00L | ₹2,989.00L |
| Tax Effect Of Unusual Items | -₹39,953.88L | -₹45,731.57L | -₹7,077.32L | -₹5,126.39L |
| Interest Income Non Operating | ₹6,529.00L | ₹10,920.00L | ₹8,756.00L | ₹4,966.00L |
| Interest Expense Non Operating | ₹13,935.00L | ₹19,786.00L | ₹21,785.00L | ₹15,869.00L |
| Net Income Common Stockholders | ₹77,764.00L | ₹53,140.00L | ₹1,44,593.00L | ₹82,606.00L |
| Net Income Continuous Operations | ₹77,764.00L | ₹53,140.00L | ₹1,44,593.00L | ₹82,606.00L |
| Diluted NIAvailto Com Stockholders | ₹77,764.00L | ₹53,140.00L | ₹1,44,593.00L | ₹82,606.00L |
| General And Administrative Expense | ₹6,452.00L | ₹5,927.00L | ₹4,865.00L | ₹4,619.00L |
| Selling General And Administration | ₹6,452.00L | ₹5,927.00L | ₹4,865.00L | ₹4,619.00L |
| Otherunder Preferred Stock Dividend | ₹0.00L | ₹0.00L | ₹0.00L | ₹0.00L |
| Total Unusual Items Excluding Goodwill | -₹1,61,529.00L | -₹1,82,666.00L | -₹27,824.00L | -₹20,285.00L |
| Net Non Operating Interest Income Expense | -₹12,118.00L | -₹9,667.00L | -₹14,168.00L | -₹11,229.00L |
| Net Income Including Noncontrolling Interests | ₹77,764.00L | ₹53,140.00L | ₹1,44,593.00L | ₹82,606.00L |
| Net Income From Continuing And Discontinued Operation | ₹77,764.00L | ₹53,140.00L | ₹1,44,593.00L | ₹82,606.00L |
| Net Income From Continuing Operation Net Minority Interest | ₹77,764.00L | ₹53,140.00L | ₹1,44,593.00L | ₹82,606.00L |
Company Performance (FY23–FY26)
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 |
Business Network
Directors 11
- Udaya Kumar HebbarManaging Director
- Paolo BrichettiDirector
- Rekha Gopal WarriarDirector
- Lilian Jessie PaulDirector
- Manoj KumarDirector
- George JosephDirector
- Massimo VitaNominee Director
- Sumit KumarNominee Director
- Nilesh Shrikrishna DalviCFO
- Ganesh NarayananCEO
- Mahadev Prakash Jayakumar MatadaCompany Secretary
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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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