CreditAccess Grameen Limited is one of India’s leading microfinance institutions (MFIs), primarily serving low-income women in rural and semi-urban areas through Joint Liability Groups (JLGs). As a systemically important non-deposit-taking NBFC, it plays a key role in financial inclusion. However, recent financials show a sharp decline in profitability despite steady loan book growth—raising concerns about asset quality and margin pressure. This article provides a fact-based outlook on its share price target for each year from 2026 through 2030.
Thematic investor betting on financial inclusion, comfortable with high risk and no dividends
FAQs
A realistic range is ₹1,320 to ₹1,500, assuming no further deterioration in asset quality.
Credible estimates suggest ₹1,900 to ₹2,400 by 2030, contingent on margin recovery and ROE improvement.
Reliable forecasts beyond 2030 are not possible. Such long-term projections are speculative and not based on verifiable data.
The promoter group (CreditAccess India B.V., Netherlands) holds 66.28% of shares.
No. The company has never paid a dividend (yield = 0%) and reinvests all earnings into growth.
The stock corrected due to 63% profit decline, rising provisioning, and concerns over rural asset quality amid inflationary pressures.
No. Like all NBFCs, it uses debt to fund its loan book. However, it maintains strong liquidity and capital adequacy ratios as per RBI norms.
Final Verdict
CreditAccess Grameen is a mission-driven MFI with deep rural penetration, but its financial performance has sharply deteriorated. While the loan book continues to grow, collapsing profits and weak returns make it a high-risk bet. Our 2026–2030 price targets (₹1,320–₹2,400) reflect cautious optimism—rewarding scale but capping upside due to profitability concerns. Suitable only for aggressive investors with a strong belief in India’s microfinance resilience.
Disclaimer: This article is for educational purposes only. It is not investment advice. Please consult a SEBI-registered advisor before making any investment decision.
Hi, I’m Raj Mittal, a stock market content writer focused on company analysis, share price trends, and fundamental research. I create simple, research-based insights to help investors make smarter market decisions.
