Key Takeaways Strong rural demand, digital investments, and retail finance expansion drive revenue growth, efficiency gains, and loan book diversification. Improved funding access and asset quality normalization support stable margins and earnings growth amidst favorable macroeconomic conditions.Read more
Key Takeaways Accelerated asset quality recovery, digital adoption, and strong new-to-credit acquisitions are fueling faster margin expansion and above-industry loan growth. Rapid diversification beyond microfinance and aggressive branch expansion position the company for outsized topline gains and higher long-term profitability.Read more
Key Takeaways Shrinking rural markets and digital competition threaten long-term growth, customer base stability, and profitability amid ongoing urbanization and fintech adoption. Exposure to rural lending, regulatory risks, and rapid diversification may elevate credit costs, operational challenges, and weaken overall asset quality.Read more
CreditAccess Grameen Limited, a non-banking financial company, provides micro finance services for women from poor and low-income households in India. The company offers microcredit loans for income generation, home improvement, emergency, family welfare, and Grameen Unnati, as well as Grameen Suraksha, Grameen Sanchay, life insurance, and national pension schemes. It also provides retail finance loans, such as Grameen Vikas, Unnati loan, Grameen two-wheeler, and Grameen housing loan. In addition, the company offers digital lending products comprising Grameen Mahi, a customer app, Pragathi digital and multi-purpose digital loans. The company was formerly known as Grameen Koota Financial Services Private Limited and changed its name to CreditAccess Grameen Limited in January 2018. CreditAccess Grameen Limited was incorporated in 1991 and is headquartered in Bengaluru, India. CreditAccess Grameen Limited is a subsidiary of CreditAccess India BV.
