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F-14/15, Orbit Mall, Civil Lines, Jaipur-302006 support@thetaxheaven.comCreditAccess Grameen Ltd is one of India’s leading microfinance institutions, focused on empowering rural women by providing them with small loans for income-generating activities. With strong financial backing and a presence in underbanked regions, the company has shown consistent growth in profitability and outreach. In this blog, we’ll analyze CreditAccess Grameen’s current stock performance and explore expert-based share price targets from 2025 to 2030.
Let’s understand the company's fundamentals, current stock statistics, and future projections in a simple, easy-to-understand format.
| Detail | Value |
|---|---|
| Open | ₹1,261.00 |
| Previous Close | ₹1,279.70 |
| Day's High | ₹1,374.50 |
| Day's Low | ₹1,253.40 |
| 52-Week High | ₹1,374.50 |
| 52-Week Low | ₹750.20 |
| All Time High | ₹1,796.00 |
| All Time Low | ₹242.05 |
| Market Cap | ₹21,471 Cr |
| VWAP | ₹1,344.66 |
| Beta | 1.25 |
| Book Value per Share | ₹437.49 |
| Face Value | ₹10 |
| Volume | 53,94,583 |
| Value Traded (Lacs) | ₹72,508.59 |
| 20D Avg Volume | 2,22,869 |
| 20D Avg Delivery (%) | 80.37% |
CreditAccess Grameen Ltd, headquartered in Bengaluru, provides financial services to rural women across India. It focuses on lending to self-employed women through joint liability groups (JLGs). Over the years, it has built a strong presence across states like Karnataka, Maharashtra, Tamil Nadu, and Madhya Pradesh.
India’s largest NBFC-MFI by portfolio
Focused on rural and semi-urban women borrowers
Consistent profitability and asset quality control
Uses technology-driven customer acquisition
Backed by global financial investors
| Investor Type | Holding (%) |
|---|---|
| Promoters | 66.43% |
| Foreign Institutions | 12.13% |
| Mutual Funds | 10.54% |
| Retail and Others | 8.68% |
| Other Domestic Institutions | 2.22% |
This strong promoter and institutional holding reflects high confidence among long-term investors.
| Year | Minimum Target (₹) | Maximum Target (₹) |
|---|---|---|
| 2025 | 1,300 | 1,400 |
| 2026 | 1,450 | 1,580 |
| 2027 | 1,620 | 1,780 |
| 2028 | 1,750 | 1,950 |
| 2029 | 1,900 | 2,100 |
| 2030 | 2,100 | 2,350 |
These projections consider market trends, earnings potential, and CreditAccess Grameen’s future growth outlook.
The microfinance sector is expected to benefit from increased rural lending and government-backed financial inclusion programs.
Why?
Credit demand in rural India is recovering post-pandemic
High loan recovery rate and improved NPAs
Digital transformation in field operations
Investment Advice: A good year for accumulating shares. Ideal for staggered investments.
As expansion continues into newer rural markets, the company is likely to improve its earnings.
Why?
Strong loan book growth across underserved districts
Economies of scale reduce operating expenses
Increase in foreign institutional holdings
Investment Advice: Hold and review quarterly earnings; potential for compounding gains.
Technology and rural fintech adoption will push earnings further.
Why?
AI-powered loan monitoring and digital KYC
Cross-selling of insurance and savings products
Improving rural household incomes
Investment Advice: Reinvest dividends and continue holding for long-term gains.
Higher household consumption and rising income levels will drive credit demand.
Why?
Lower credit risk due to repeat customers
Operational efficiency improves margins
Strong return on equity (RoE) and net interest margin (NIM)
Investment Advice: Potential breakout year; suitable for long-term SIPs.
The company could start tapping international markets or explore new business lines.
Why?
Entry into rural digital banking services
Partnership with AgriTech and health-fintech platforms
Diversification of loan products
Investment Advice: Long-term investors should increase allocation gradually.
By 2030, CreditAccess Grameen may become a household name in rural financial services.
Why?
Massive scale and brand trust in rural India
Strong backing from global investors
Consistent dividend payout and stable profits
Investment Advice: Excellent for long-term wealth creation; ideal for retirement and children’s goals.
Yes. CreditAccess Grameen is one of the few NBFC-MFIs with a solid track record, low NPAs, and a strong foothold in rural credit markets.
Strong promoter backing (66.43%)
Consistent financial growth and profitability
Rural India credit potential is still untapped
Technological innovation in lending practices
Regulatory changes in the microfinance industry
Credit risk from agricultural distress or climate events
Competition from digital lenders and banks
Always consider your financial goals and consult with a registered financial advisor before making investment decisions.
CreditAccess Grameen Ltd stands out as a top pick in the NBFC-MFI space, driven by its focused rural strategy, strong promoter backing, and solid fundamentals. With the share price currently around ₹1,279.70 and potential to touch ₹2,350 by 2030, this stock could deliver significant long-term returns for patient investors.
If you’re looking to diversify your portfolio with exposure to rural India’s growth story, CreditAccess Grameen may be a worthy consideration.
1. What is the current share price of CreditAccess Grameen Ltd?
As of July 23, 2025, the share price is around ₹1,279.70.
2. Is CreditAccess Grameen a good investment for 5 years?
Yes, based on fundamentals and growth outlook, it is considered a strong long-term investment.
3. What is the 52-week high and low of CreditAccess Grameen?
52-week high is ₹1,374.50 and the 52-week low is ₹750.20.
4. What is the future share price target for 2030?
The share price target for 2030 is between ₹2,100 and ₹2,350.
5. Who are the major shareholders?
Promoters hold 66.43%, followed by foreign institutions and mutual funds.
6. Does CreditAccess Grameen pay dividends?
Yes, the company has a history of stable dividend payouts.
7. Is it listed on both NSE and BSE?
Yes, CreditAccess Grameen is listed on both exchanges.
8. How can I invest in CreditAccess Grameen?
You can invest via any stockbroker registered with NSE/BSE through a Demat account.
Disclaimer: This blog is for educational and example purposes only. Please consult a SEBI-registered financial advisor before making any investment decisions.
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