CREDITACCESS GRAMEEN LIMITED (CREDITACC) — Defensive Interval Ratio

Latest as of September 2025: 8163 days

CREDITACCESS GRAMEEN LIMITED (CREDITACC) has a Defensive Interval Ratio of 8163 days as of September 2025. Defensive assets of Rs9.37 Billion (cash Rs9.37 Billion, short-term investments Rs-, receivables Rs-) cover 8163 days of daily cash needs of Rs1.15 Million/day. See CREDITACCESS GRAMEEN LIMITED working capital to net assets to evaluate short-term liquidity relative to the company's equity base.

Defensive Interval Ratio

8163 days
Days of operational coverage

Defensive Assets

Rs9.37 Billion
Cash + ST Investments + Receivables

Daily Cash Need

Rs1.15 Million
Current Liabilities ÷ 365

Current Liabilities

Rs419.20 Million
INR

CREDITACCESS GRAMEEN LIMITED Defensive Interval Ratio (2013–2025)

This chart shows how CREDITACCESS GRAMEEN LIMITED's Defensive Interval Ratio has evolved across 13 annual periods from 2013 to 2025. As of September 2025, the ratio stands at 8163 days, meaning defensive assets of Rs9.37 Billion can fund 8163 days of operations without new revenue. See CREDITACC net asset quality index to measure how much of total assets are equity-financed.

Annual Defensive Interval Ratio for CREDITACCESS GRAMEEN LIMITED (2013–2025)

The table below presents the year-by-year Defensive Interval Ratio for CREDITACCESS GRAMEEN LIMITED from 2013 to 2025, covering 13 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see market value of CREDITACCESS GRAMEEN LIMITED.

Year DIR (days) Defensive Assets (INR) Daily Cash Need Cash ST Investments Change (days)
2025 72 days Rs21.22 Billion Rs294.37 Million/day Rs10.78 Billion Rs10.21 Billion ▼ -15 days
2024 87 days Rs24.38 Billion Rs279.32 Million/day Rs8.25 Billion Rs15.35 Billion ▲ +40 days
2023 47 days Rs21.59 Billion Rs457.39 Million/day Rs13.41 Billion Rs6.99 Billion ▼ -35 days
2022 82 days Rs16.66 Billion Rs203.24 Million/day Rs14.73 Billion Rs992.10 Million ▼ -51 days
2021 133 days Rs23.55 Billion Rs176.80 Million/day Rs21.35 Billion Rs1.07 Billion ▲ +97 days
2020 37 days Rs5.72 Billion Rs156.11 Million/day Rs4.40 Billion Rs887.80 Million ▼ -12 days
2019 49 days Rs3.67 Billion Rs74.72 Million/day Rs2.85 Billion Rs760.30 Million ▼ -499 days
2018 548 days Rs33.18 Billion Rs60.54 Million/day Rs20.00 Million Rs-15.95 Billion ▼ -47 days
2017 594 days Rs27.15 Billion Rs45.66 Million/day Rs2.50 Billion Rs-6.47 Billion ▲ +93 days
2016 502 days Rs16.71 Billion Rs33.29 Million/day Rs- Rs-8.09 Billion ▼ -162 days
2015 664 days Rs13.87 Billion Rs20.89 Million/day Rs- Rs394.00 Million ▲ +818 days
2014 -154 days Rs-2.02 Billion Rs13.09 Million/day Rs- Rs-2.02 Billion ▼ -565 days
2013 410 days Rs3.16 Billion Rs7.69 Million/day Rs- Rs2.59 Million —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)