CREDITACCESS GRAMEEN LIMITED (CREDITACC) - Total Assets
Based on the latest financial reports, CREDITACCESS GRAMEEN LIMITED (CREDITACC) holds total assets worth Rs285.94 Billion INR (≈ $3.09 Billion USD) as of December 2025. Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments. Check CREDITACC total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
CREDITACCESS GRAMEEN LIMITED - Total Assets Trend (2013–2025)
This chart illustrates how CREDITACCESS GRAMEEN LIMITED's total assets have evolved over time, based on quarterly financial data. Explore long-term investment intensity of CREDITACCESS GRAMEEN LIMITED to see how much of total assets are deployed in long-term investments.
CREDITACCESS GRAMEEN LIMITED - Asset Composition Analysis
Current Asset Composition (March 2025)
CREDITACCESS GRAMEEN LIMITED's total assets of Rs285.94 Billion consist of 60.2% current assets and 39.8% non-current assets.
| Asset Category | Amount (INR) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | Rs10.78 Billion | 4.6% |
| Accounts Receivable | Rs234.00 Million | 0.1% |
| Inventory | Rs0.00 | 0.0% |
| Property, Plant & Equipment | Rs1.31 Billion | 0.5% |
| Intangible Assets | Rs1.01 Billion | 0.4% |
| Goodwill | Rs3.76 Billion | 1.4% |
Asset Composition Trend (2013–2025)
This chart illustrates how CREDITACCESS GRAMEEN LIMITED's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution. For live market cap, price, and company overview, see CREDITACC stock market capitalisation.
Key Asset Composition Facts
- Current vs. Non-Current Assets: CREDITACCESS GRAMEEN LIMITED's current assets represent 60.2% of total assets in 2025, a decrease from 75.1% in 2013.
- Cash Position: Cash and equivalents constituted 4.6% of total assets in 2025, down from 11.7% in 2013.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 1.0% of total assets, an increase from 0.0% in 2013.
- Asset Diversification: The largest asset category is cash and equivalents at 4.6% of total assets.
CREDITACCESS GRAMEEN LIMITED Competitors by Total Assets
Key competitors of CREDITACCESS GRAMEEN LIMITED based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Vardhman Holdings Limited
NSE:VHL
|
India | Rs37.69 Billion |
|
Five-Star Business Finance Limited
NSE:FIVESTAR
|
India | Rs154.35 Billion |
|
Capri Global Capital Limited
NSE:CGCL
|
India | Rs326.76 Billion |
|
Srisawad Power 1979 PCL
BK:SAWAD
|
Thailand | ฿107.67 Billion |
|
Navient Corp
NASDAQ:NAVI
|
USA | $48.68 Billion |
|
Propel Holdings Inc
TO:PRL
|
Canada | CA$639.53 Million |
|
Menif Financial Services Ltd
TA:MNIF
|
Israel | ILA3.82 Billion |
|
General Accident PLC
LSE:GACA
|
UK | GBX14.16 Billion |
CREDITACCESS GRAMEEN LIMITED - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 144.23 | 2.59 | 1.29 |
| Quick Ratio | 144.23 | 0.01 | 1.29 |
| Cash Ratio | 8.08 | 0.11 | 0.00 |
| Working Capital | Rs255.72 Billion | Rs162.55 Billion | Rs16.40 Billion |
CREDITACCESS GRAMEEN LIMITED - Advanced Valuation Insights
This section examines the relationship between CREDITACCESS GRAMEEN LIMITED's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 2.83 |
| Latest Market Cap to Assets Ratio | 0.01 |
| Asset Growth Rate (YoY) | -3.6% |
| Total Assets | Rs278.02 Billion |
| Market Capitalization | $2.46 Billion USD |
Valuation Analysis
Below Book Valuation: The market values CREDITACCESS GRAMEEN LIMITED's assets below their book value (0.01x), which may indicate investor concerns about asset quality or future growth.
Slight Asset Contraction: CREDITACCESS GRAMEEN LIMITED's assets decreased by 3.6% over the past year, which may reflect streamlining or optimization of resources.
Annual Total Assets for CREDITACCESS GRAMEEN LIMITED (2013–2025)
The table below shows the annual total assets of CREDITACCESS GRAMEEN LIMITED from 2013 to 2025.
| Year | Total Assets | Change |
|---|---|---|
| 2025-03-31 | Rs278.02 Billion ≈ $3.01 Billion |
-3.62% |
| 2024-03-31 | Rs288.46 Billion ≈ $3.12 Billion |
+31.97% |
| 2023-03-31 | Rs218.58 Billion ≈ $2.36 Billion |
+25.66% |
| 2022-03-31 | Rs173.95 Billion ≈ $1.88 Billion |
+15.51% |
| 2021-03-31 | Rs150.59 Billion ≈ $1.63 Billion |
+19.62% |
| 2020-03-31 | Rs125.90 Billion ≈ $1.36 Billion |
+71.12% |
| 2019-03-31 | Rs73.57 Billion ≈ $795.67 Million |
+40.99% |
| 2018-03-31 | Rs52.18 Billion ≈ $564.34 Million |
+46.42% |
| 2017-03-31 | Rs35.64 Billion ≈ $385.44 Million |
+26.93% |
| 2016-03-31 | Rs28.08 Billion ≈ $303.67 Million |
+62.61% |
| 2015-03-31 | Rs17.27 Billion ≈ $186.75 Million |
+63.20% |
| 2014-03-31 | Rs10.58 Billion ≈ $114.43 Million |
+94.69% |
| 2013-03-31 | Rs5.43 Billion ≈ $58.77 Million |
-- |
About CREDITACCESS GRAMEEN LIMITED
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… Read more