Generated by All in One SEO v4.9.9, this is an llms.txt file, used by LLMs to index the site.

# CreditAccess Grameen Limited

The Largest Microfinance Institution of India.

## Sitemaps

- [XML Sitemap](https://www.creditaccessgrameen.in/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Stitching Success: Pinky Kour’s Journey from Tailoring to Entrepreneurship](https://www.creditaccessgrameen.in/stitching-success-pinky-kours-journey-from-tailoring-to-entrepreneurship/) - Meet Pinky Kour from Indore, Madhya Pradesh, who transformed her tailoring skills into a successful business after the loss of her husband. Determined to build a secure future for her son, she began her entrepreneurial journey two years ago with an income generation loan of ₹70,000, which helped her purchase tailoring equipment and raw materials
- [Nagananda Kumar K N](https://www.creditaccessgrameen.in/nagananda-kumar-k-n/) - Mr. Nagananda Kumar K N is the Chief Audit Officer at CA Grameen. He is a seasoned professional with a total work experience of 23 years in the field of microfinance, operations and technology. He has been associated with CA Grameen for over 19 years, having held several key leadership roles across Information Technology, Operations,
- [Sundar Arumugam](https://www.creditaccessgrameen.in/sundar-arumugam-2/) - Mr. Sundar Arumugam is the Chief Strategy Officer at CA Grameen. He comes with over 20 years of experience in product management, marketing, strategy and business development in financial services and technology. He is passionate about financial inclusion and is a focused problem solver, keen to leverage technology and data to solve real world problems.
- [Manian RHS](https://www.creditaccessgrameen.in/manian-rhs/) - Manian RHS is the Head of Human Resources at CA Grameen. He has close to 18 years of experience of which over 15+ years in BFSI HR. He holds diverse experience across Talent Acquisition, L&D, Employer Branding, Performance Management & Centre of Excellence (COE). Prior to CA Grameen, he was President - Human Capital Management
- [Ravi Rathinam](https://www.creditaccessgrameen.in/ravi-rathinam/) - Mr. Ravi Rathinam is Vice President of Technology, and Chief Information Security Officer at CA Grameen since February 2022. He holds a Master’s Degree in Computer Applications and has completed an Executive General Management Program from the Indian Institute of Management, Bangalore. He is also a Java and Oracle Certified Professional in development and has
- [Murugesh Velusamy](https://www.creditaccessgrameen.in/murugesh-velusamy/) - Mr. Murugesh Velusamy, Head of Underwriting of Mortgage Business at CA Grameen comes with two decades of experience covering all facets of MSME lending including sales, credit, risk-control unit and collections. In his previous role, he has worked with Vistaar Finance, Fullerton India and ICICI Bank. Prior to joining CA Grameen, he was associated with
- [Deepti Ramani](https://www.creditaccessgrameen.in/deepti-ramani/) - Ms. Deepti Ramani is an accomplished Company Secretary with over 11 years of experience in corporate governance, regulatory compliance, secretarial functions, and legal coordination across listed companies in the financial services and manufacturing sectors. She has a strong track record in managing board and shareholder meetings, regulatory filings, stakeholder communications, policy formulation, and audit handling.
- [Venkat Naik](https://www.creditaccessgrameen.in/venkat-naik/) - Mr. Venkat Naik is the Business Head of the Group Lending unit for Odisha, Chhattisgarh, Jharkhand, Bihar, Uttar Pradesh and West Bengal. He holds a bachelor’s degree in Arts from Bangalore University. Mr. Naik has been associated with us since 2000 and has an extensive work experience in the microfinance industry. Prior to his appointment
- [Manjunatha](https://www.creditaccessgrameen.in/manjunatha/) - Mr. Manjunatha is the Business Head of the Group Lending unit for Tamil Nadu (including Puducherry). He has been associated with CA Grameen for over the last two decades. He has played an integral role in maintaining pristine asset quality across various business cycles given the experience of nurturing high-touch interactions. He holds a bachelor’s
- [Haridarshini A](https://www.creditaccessgrameen.in/haridarshini-a/) - Ms. Haridarshini has close to 20 years of experience in the development sector. She joined the Company immediately after pursuing her B. Tech, in the finance and analysis team in 2003. Thereafter, she worked with APMAS-Technical Institution, focusing on ratings for Self-Help Groups (SHG) and training in Accountings, Delinquency Management, and Financial Analysis. She re-joined
- [Devika Praveen](https://www.creditaccessgrameen.in/devika-praveen/) - Mrs. Devika Praveen is a seasoned banking and compliance professional with nearly three decades of experience across regulatory compliance, governance, anti-money laundering, regulatory reporting, policy management, and banking operations. Prior to joining CreditAccess Grameen, she served as Deputy Chief Compliance Officer at Slice Small Finance Bank. She has also held key leadership positions, including Chief
- [Slide5](https://www.creditaccessgrameen.in/slide5-2/) - Integrated Annual Report FY 2026 Scan to download the latest Annual Report highlighting our dedication to economic progress and social wellbeing. KNOW MORE
- [Slide1](https://www.creditaccessgrameen.in/slide1/) - India's Largest NBFC-MFI ! USD 3.12 + Billion AUM | 4.4 + Million Customers| 21,941 + Employees KNOW MORE
- [Srivatsa H N](https://www.creditaccessgrameen.in/srivatsa-h-n/) - Mr. Srivatsa is the Chief Business Officer overseeing the Group Lending and Retail Finance businesses in Karnataka, Tamil Nadu (including Puducherry), Kerala, Andhra Pradesh, and Telangana. He holds a pre-university certificate issued by the Education Department, Government of Karnataka. Srivatsa HN has been associated with us since 2002. He has over two decades of experience
- [Gopal Reddy](https://www.creditaccessgrameen.in/gopal-reddy/) - Mr. Gopal is the Chief Business Officer overseeing the Group Lending and Retail Finance businesses in Maharashtra, Goa, Madhya Pradesh, Chhattisgarh, Rajasthan, Gujarat, Odisha, Jharkhand, Bihar, Uttar Pradesh, and West Bengal States. He holds a bachelor’s degree in commerce from Bangalore University. He has been an integral part of the organisation since the beginning with
- [Gururaj K S Rao](https://www.creditaccessgrameen.in/gururaj-k-s-rao/) - Mr. Gururaj Rao’s journey at CreditAccess Grameen Limited is closely aligned with the company’s transformation from a regional microfinance institution into one of India’s leading financial inclusion platforms. As Chief Operating Officer, he leads the Business, Operations and Human Resources functions and is responsible for driving growth, strengthening execution, and building organisational capability across the company’s nationwide
- [Ganesh Narayanan](https://www.creditaccessgrameen.in/ganesh-narayanan/) - Mr. Ganesh Narayanan has a rich experience of over 27 years in the BFSI Industry across various facets of Banking and Financial Services. He has spearheaded several key businesses for large financial institutions. He was earlier associated with ICICI Bank Ltd, Fullerton India Credit Co. Ltd (now SMFG India Credit), YES Bank Ltd. and has
- [Udaya Kumar](https://www.creditaccessgrameen.in/udaya-kumar-2/) - Mr. Udaya Kumar Hebbar has been a member of the Board of Directors since August 2015. He is the Non-Executive Director of our Company. With a distinguished career in banking that spans over 40 years, Mr. Hebbar brings a wealth of experience in operations, particularly in rural, agricultural, and micro-banking fields. Before joining CA Grameen, Mr.
- [Turning a Long-Held Dream into a Home ](https://www.creditaccessgrameen.in/turning-a-long-held-dream-into-a-home/) - Poongodi and Sathish, residents of Alangaroor, had long dreamed of owning a home they could truly call their own. Poongodi works as a tailor in a garment factory, while her husband Sathish has been a driver for over 20 years. With their son and mother-in-law, the family of four had spent years moving between rented
- [Ganesh Narayanan](https://www.creditaccessgrameen.in/ganesh-narayanan-2/) - Mr. Ganesh Narayanan has been a member of the Board of Directors since August 05, 2025. He is the Managing Director & Chief Executive Officer of our Company. He has a rich experience of over 27 years in the BFSI Industry across various facets of Banking and Financial Services. He has spearheaded several key businesses for large financial institutions.
- [Blooming with Opportunity: Dhannu Bai’s Journey with the Vikas Loan](https://www.creditaccessgrameen.in/blooming-with-opportunity-dhannu-bais-journey-with-the-vikas-loan/) - Dhannu Bai, a flower farmer from Dhar district, Madhya Pradesh, has continued her family’s legacy of cultivating and selling flowers — a tradition that began with her grandfather. Dhannu Bai was already associated with CreditAccess Grameen through a group loan, and when she learned about the availability of a larger loan at the branch, she
- [Manoj Kumar](https://www.creditaccessgrameen.in/manoj-kumar/) - Mr. Manoj Kumar has been a member of the Board of Directors since October 2019. He is the Founder of Social Alpha, a multistage innovation curation and venture development platform for science and technology start-ups that aim to solve the most critical social, economic and environmental challenges. Manoj is also the Founding Trustee of Tata Institute
- [Corporate Film: CreditAccess Grameen](https://www.creditaccessgrameen.in/corporate-film-creditaccess-grameen/) - Millions of women borrowers, all of whom are from poor and low- income households. To them, we are ‘Grameen Koota’, a brand they have been associated with, shaped - over several years of our relentless commitment for quality service and customer centric approach. Watch CreditAccess Grameen’s journey and an overview of our work in this
- [Smart Classroom: Empowering Intellectually Challenged Students](https://www.creditaccessgrameen.in/smart-classroom-empowering-intellectually-challenged-students/) - March 2023: Our CSR wing, CreditAccess India Foundation, has established a smart classroom at the Central Institute on Mental Retardation in Kerala. Equipped with hi-tech audio-visual tools, this state-of-the-art classroom delivers a more interactive and engaging learning experience for intellectually challenged students. Discover how it's helping students develop their skills and abilities more effectively in
- [Spinning Dreams into Reality: The Story of a Silk Thread Maker](https://www.creditaccessgrameen.in/spinning-dreams-into-reality-the-story-of-a-silk-thread-maker/) - Naziya Bano, a resident of Kanakapura, has been involved in silk thread making for the past six years. Despite the initially low profit margins, Naziya Bano remained committed to her work, determined to establish her own business. Starting small with just one worker, she now employs three people and has significantly improved production—from taking 15
- [Sumit Kumar](https://www.creditaccessgrameen.in/sumit-kumar/) - Mr. Sumit Kumar has been a member of the Board of Directors since August 2016. He is a Non-Executive Director of the Company. He holds a bachelor’s degree in textile technology from the Indian Institute of Technology, New Delhi and a post graduate diploma in management from the Indian Institute of Management, Ahmedabad. He was previously
- [Massimo Vita](https://www.creditaccessgrameen.in/massimo-vita/) - Mr. Massimo Vita has been a member of the Board of Directors since July 2017. He is a Non-Executive Director of the Company. He holds a master’s diploma of 2nd level in development, innovation and change from Bologna University in Bologna, Italy and a degree in economics and commerce from Verona University in Verona, Italy. He
- [Lilian Jessie Paul](https://www.creditaccessgrameen.in/lilian-jessie-paul/) - Ms. Lilian Jessie Paul has been a member of the Board of Directors since September 2020. She is an Independent Director of our Company. She holds a bachelor’s degree in engineering from Bharathidasan University and a post-graduation diploma in management from Indian Institute of Management Calcutta. She has several years of experience in marketing. She was
- [Rekha Warriar](https://www.creditaccessgrameen.in/rekha-warriar/) - Ms. Rekha Warriar has been a member of the Board of Directors since October 2022. She holds a Master's degree in Applied Mathematics from the University of Bombay and a Master’s in Public Policy from Princeton University, USA. She has an experience of over 30 years with the Reserve Bank of India in various departments. She
- [Paolo Brichetti](https://www.creditaccessgrameen.in/paolo-brichetti/) - Mr. Paolo Brichetti was Chairman & Nominee Director since 2009 and after a brief break from July 2021, he joined back as Vice-Chairman & Non-Executive Director since October 2022. He is Founder and Non-Executive Director of CreditAccess India B.V. (CAI), the Promoter Company. He has more than 20 years of experience in innovative business and
- [Celebrating 25 years of CA Grameen!](https://www.creditaccessgrameen.in/catalyzing-inclusive-rural-growth-since-1999/) - CreditAccess Grameen Limited, which started its operations under the brand name Grameen Koota in May 1999, in South Bengaluru, proudly celebrates its 25th year of operations. This marks a remarkable journey of excellence and an unwavering commitment to rural development and women empowerment. Over the past quarter-century, the organization has been instrumental in transforming the
- [#25YearsOfCAGrameen: A gesture of gratitude, from us to you](https://www.creditaccessgrameen.in/25yearsofcagrameen-a-gesture-of-gratitude-from-us-to-you/) - Here’s a special tribute – to all of you – who made #25YearsOfCAGrameen extraordinary. Thank you for bringing our silver jubilee to life, and making this journey all the more special.
- [Customers' path to progress](https://www.creditaccessgrameen.in/customers-path-to-progress/) - As we celebrate our momentous 25th year of operations, we are revisiting our legacy and shining a spotlight on the heroes who have made it one of excellence and impact. Episode 1: Meet Haseena, our customer of 25 years! Episode 2: Meet our customers of 24 years!
- [Partner Speak](https://www.creditaccessgrameen.in/partner-speak/) - Celebrating 25 years of impact and gratitude, we take a moment to reflect on the incredible journey, and the people along the way, that have made this milestone possible. A heartfelt shout-out to our invaluable #partners who've been our pillars of support, aligning with our endeavour to advance #FinancialInclusion across rural India. 1. OeEB - The Development Bank of
- [Skilled for Success: Sagar’s Leap from Unemployment to Growth](https://www.creditaccessgrameen.in/skilled-for-success-sagars-leap-from-unemployment-to-growth/) - Sagar Bandu Potole, a resident of Shenvadi village, district Satara in Maharashtra, comes from a farming family of four. Despite completing his 10th grade and ITI, he struggled to find employment due to limited skills. His breakthrough came when CreditAccess India Foundation, CSR wing of CA Grameen in collaboration with Swades Foundation, introduced a 45-day
- [Laxmamma’s story of growth & inspiration with Grameen Koota](https://www.creditaccessgrameen.in/laxmammas-story-of-growth-inspiration-with-grameen-koota/) - Laxmamma, a grocery shop owner from Channapatna, has been a customer of CreditAccess Grameen for several years. Before joining CA Grameen, her husband worked in the timber and dry coconut business, but they faced challenges in earning a stable income. Laxmamma received her first ₹5000 loan from CA Grameen, which allowed her to expand her
- [Shilpa's Journey of Triumph with Grameen Unnati](https://www.creditaccessgrameen.in/shilpas-journey-of-triumph-with-grameen-unnati/) - "After the cows came into our lives, our lives changed and became brighter. Thanks to our cows, my family is very happy," says Shilpa, a CreditAccess Grameen customer from Srirangapatna. Shilpa used to work at a garments factory - a job she eventually had to quit due to growing health issues. Determined to make a
- [Slide4](https://www.creditaccessgrameen.in/slide4/) - Milestones on our path to progress Accolades garnered for setting benchmark for a customer-centric and efficient business KNOW MORE
- [Nilesh Dalvi](https://www.creditaccessgrameen.in/nilesh-dalvi/) - Mr. Nilesh Dalvi is the Chief Financial Officer at CA Grameen. He comes with over 16 years of experience spanning India, the United States, the Middle East, and European markets. In his previous role as the CEO of Dickenson IR, he provided investor relations advisory services to over 50 corporates across diverse industries backed by
- [Cybersecurity Awareness Month: Understanding and Preventing Social Engineering and Phishing Attacks](https://www.creditaccessgrameen.in/cybersecurity-awareness-month-understanding-and-preventing-social-engineering-and-phishing-attacks/) - October is Cybersecurity Awareness Month, a perfect time to educate ourselves about the various cyber threats we face daily. Among the most prevalent and dangerous are social engineering and phishing attacks. Let’s dive into what these threats entail and how we can protect ourselves. What is Social Engineering? Social engineering is a tactic used by
- [Puttamma’s story: Where there’s a will, there’s a way!](https://www.creditaccessgrameen.in/puttammas-story-where-theres-a-will-theres-a-way/) - Ms. Puttamma from Kanakapura, Karnataka has been a CA Grameen customer for 19 years. She is a tailor and runs a tailoring training centre for a living. Initially, Puttamma helped her husband manage their coconut-supply business. Speaking about the venture, she says, “Before starting this business, my husband worked as a coolie and his income
- [Sunanda’s story: Determined to succeed against all odds](https://www.creditaccessgrameen.in/sunandas-story-determined-to-succeed-against-all-odds/) - Ms. Sunanda from Tumkur has been a CreditAccess Grameen customer since 2003 and runs an eatery for a living. Before this, she had a small tea stall, but her earnings weren’t enough to support her family’s needs. However, Sunanda was determined to provide a better future for her family, so she started her own tiffin
- [Charting its Way: Microfinance Relevance in India’s Inclusive Growth Story](https://www.creditaccessgrameen.in/charting-its-way-microfinance-relevance-in-indias-inclusive-growth-story/) - The growth and consistent performance of the sector are a big affirmation of the character of the microfinance borrowers. Their right intent of borrowing, intent to ensure proper repayments combined with resilience in the face of large macro events for the last three decades comes far ahead of all other asset classes time and again.
- [Rani's story: Empowered by the 'powerloom'](https://www.creditaccessgrameen.in/empowered-by-the-powerloom/) - Ms. Rani, our customer from Anekal in Karnataka shares how CA Grameen's 'Unnati' loan has helped her accelerate her power loom business.
- [Deepanjali’s story: Determination to rise](https://www.creditaccessgrameen.in/deepanjalis-determination-to-rise/) - Deepanjali, a customer of CreditAccess Grameen and her husband Lokesh, hails from Tumkur, who tread the path of success through hard work. Working in a factory under tough conditions had never been easy for Deepanjali, especially when it started taking a toll on her health. It was during this period that her husband, Lokesh advised
- [Maheshwari's Story: Spinning the Threads of Success](https://www.creditaccessgrameen.in/maheshwaris-story-spinning-the-threads-of-success/) - Ms. Maheshwari from Tirupur, Tamil Nadu has been our customer for five years now. She resides with her family and runs a power loom unit for a living. Burdened with her father’s death and financial troubles at a very young age, life hasn’t been smooth for her. She had to toil endlessly as a labourer
- [The thought of business expanison never occurred to me earlier – Nasreen Taj](https://www.creditaccessgrameen.in/the-thought-of-expanding-my-business-never-occurred-to-me-earlier-nasreen-taj/) - “I have four tailoring machines now. Earlier I was doing this alone, with just one machine. Now, my husband and daughter have joined the business too,” says Nasreen Taj, a Grameen Koota client for the past 7 years. Nasreen says she was happy with her single machine and her limited earnings. “The thought of expanding
- [Swayamprabha's Story: Spreading the Aroma of Success](https://www.creditaccessgrameen.in/spreading-the-aroma-of-success/) - Swayamprabha is a customer of CA Grameen, who lives in Palakkad, Kerala with her husband and two children. She was introduced to CA Grameen by one of her close friends, who also informed her about the rising market demand for incense sticks. Her idea of being financially stable and giving her family a quality life
- [Grameen Koota gives me access to finance and knowledge:Sushma Satish](https://www.creditaccessgrameen.in/grameen-koota-gives-me-access-to-finance-and-knowledgesushma-satish/) - Sushma and her husband Satish, a young couple, manage their family’s vegetable business. Sushma says she was introduced to Grameen Koota by her mother-in-law Latha Jagadish, a Grameen Koota member for 8 years. “I introduced my daughter-in-law to Grameen Koota so that they can take the business forward,” she says. “We benefitted immensely from timely
- [I have expanded my business to include seasonal trade – Shaheena Begum](https://www.creditaccessgrameen.in/i-have-expanded-my-business-to-include-seasonal-trade-shaheena-begum/) - Shaheena Begum and her husband have been scrap dealers for the past 10 years. She has been a Grameen Koota member for 8 of those 10 years. “Earlier, we depended on chit funds when we needed money. The rate of interest was very high. We just borrowed for our needs, we couldn’t think of expanding
- [Grameen Koota has helped us when we needed it the most: Mubeena Taj](https://www.creditaccessgrameen.in/grameen-koota-has-helped-us-when-we-needed-it-the-most-mubeena-taj/) - Mubeena Tajand her husband Qutubuddin were running a bakery business that suffered heavy losses. They borrowed money at very high interest rates and struggled to repay and had to close the business. Around this time, Mubeena heard that Grameen Koota had come to her village and were enrolling women members. “I didn’t know anything about
- [Rajamani’s story of determination in the face of hardship](https://www.creditaccessgrameen.in/rajamanis-story-of-determination-in-the-face-of-hardship/) - A few years ago, Mrs. Rajamani and her husband Swami Nayak were burdened with many financial difficulties. They did not have a source of income of their own and were completely dependent on their elder son’s earnings in fulfilling the family requirements. She decided to join CreditAccess Grameen as a customer of group lending and
- [Sarojini Meher: Preserving the art of weaving with the help of financial access](https://www.creditaccessgrameen.in/sarojini-meher-preserving-the-art-of-weaving-with-the-help-of-financial-access/) - “The unique quality of the sarees is that they look the same from both the sides and keeps the body cool,” says Sarojini's husband. Sarojini is associated with CreditAccess Grameen for more than two years now. She lives with her family in the Raigarh district of Chhattisgarh. She belongs to a weaver family of Sambalpuri
- [Shyamala's Story: Weaving Hope Through Six Yards of Elegance! ](https://www.creditaccessgrameen.in/weaving-hope-through-six-yards-of-elegance/) - Ms. Shyamala is one of our customers from Tamil Nadu who hails from a family of Kanchipuram silk saree weavers. Kanchipuram silk sarees are exquisite silk sarees from the Kanchi region in Tamil Nadu, renowned for their timeless richness and myriad colours. They are woven from pure mulberry silk and intricately decorated with beautiful motifs.
- [Sunitha's Story: Finding a Glimmer of Hope!](https://www.creditaccessgrameen.in/finding-a-glimmer-of-hope/) - Ms. Sunitha, a resident of Thanni in Kerala has been a CA Grameen customer for 3 years now. She makes Christmas paper stars and sells them to a church supply store near her house to support her family of 7. Sunitha started the business with her humble savings. As the demand for her paper stars
- [Helping Varalakshmi dream big with dairy farming!](https://www.creditaccessgrameen.in/helping-varalakshmi-dream-big-with-dairy-farming/) - Ms. Varalakshmi, a resident of a small village in Mysore, has been our customer for 20 years now. She works as a dairy farmer for a living. Initially, she had 15 cows in her herd with which she managed to supply around 30-40 litres of milk every day to the nearby milk collection (dairy) centres.
- [Udaya Kumar Hebbar visits Tokyo, Japan](https://www.creditaccessgrameen.in/udaya-kumar-hebbar-visits-tokyo-japan/) - November 2022: On 17 November 2022, Mr. Udaya Kumar Hebbar, Managing Director & CEO, CreditAccess Grameen Limited, represented India's businesses and shared insights on the vast growth opportunities present in the Indian rural markets at an event organised by the Embassy of India in Tokyo, Japan with other representatives from Taiyo Pacific Partners. The event aimed to highlight
- [CreditAccess Grameen bags the prestigious "Breaking Ground in WASH Financing" award](https://www.creditaccessgrameen.in/creditaccess-grameen-bags-the-prestigious-breaking-ground-in-wash-financing-award/) - January 2023: CreditAccess Grameen has won the prestigious "Breaking Ground in WASH Financing" award at the Inclusive Finance India Summit 2022 held in New Delhi. The award was presented by Mr. V. Anantha Nageswaran, Chief Economic Advisor to the Government of India, and Mr. Hitendra Dave, CEO of HSBC India. Our MD & CEO, Mr.
- [Great Place to Work Certified for the 4th Time in a Row!](https://www.creditaccessgrameen.in/great-place-to-work-certified-for-the-4th-time-in-a-row/) - January 2023: We are proud to announce that CA Grameen has once again been certified as a Great Place to Work! This is a testament to the strong and positive culture we have created together, and to the leadership team that embodies it every day. The Great Place to Work certification process is a thorough
- [Strengthening Water Security: Rainwater Harvesting Projects Implemented at Government Schools in Karnataka](https://www.creditaccessgrameen.in/strengthening-water-security-rainwater-harvesting-projects-implemented-at-government-schools-in-karnataka/) - Water scarcity is one of the leading challenges for sustainable development. It is the need of the hour to attain self-sufficiency to fulfil water needs. With a focus on strengthening water security for government schools, our CSR wing, CreditAccess India Foundation has implemented roof-top rainwater harvesting projects at 4 government schools in Mulbagal, Kolar district
- [Smart Classroom: Enhancing Learning for Intellectually Challenged Students](https://www.creditaccessgrameen.in/smart-classroom-enhancing-learning-for-intellectually-disabled-students/) - Intellectually challenged students often face challenges with cognitive functioning and adapting to traditional classroom environments. To provide an interactive learning space and improve outcomes for such students, our CSR wing, CreditAccess India Foundation, has established a free smart classroom at the Central Institute on Mental Retardation in Trivandrum, Kerala. The classroom was inaugurated on 1
- ["Grameen Vidya" Scholarship for Needy Students!](https://www.creditaccessgrameen.in/grameen-vidya-scholarship-to-needy-students/) - Access to post-secondary education often takes a back seat for many rural students, owing to their financial constraints. They are placed at the risk of dropping out if not provided with support at the right time. In a bid to empower such students to progress in their academic lives, our CSR wing CreditAccess India Foundation
- [Supporting Umadevi’s entrepreneurial journey](https://www.creditaccessgrameen.in/supporting-umadevis-entrepreneurial-journey/) - The blog narrates how CA Grameen loans have helped Ms. Umadevi elevate her entrepreneurial journey! CreditAccess Grameen's, high-ticket business loan, 'Unnati', has helped Ms. Umadevi accelerate her grocery store business. Read more.
- [CreditAccess Grameen features in the Top <strong>5 of Fortune India Next 500 list</strong>](https://www.creditaccessgrameen.in/creditaccess-grameen-features-in-the-top-5-of-fortune-india-next-500-list/) - March 2023: India’s largest microfinance institution CreditAccess Grameen Limited (CA Grameen) features in the top 5 of the latest Fortune India Next 500 companies. CA Grameen with FY2022 revenue of INR 2,750.13 crore stood 4th among the corporates from various industries. The Fortune India Next 500 states the status of the top 500 midsize corporations
- [Brewing her cup of success!](https://www.creditaccessgrameen.in/brewing-her-cup-of-success/) - Ms. Surrayya Banu from Chikkamagaluru, Karnataka, has been our customer for the past 14 years now. Owing to her family’s severe financial difficulties, she used to work as a coolie and experienced many trials and tribulations across the years. She found a glimmer of hope when one of her friends introduced her to CA Grameen.
- [A technological voyage: Driving financial inclusion through innovation](https://www.creditaccessgrameen.in/a-technological-voyage-driving-financial-inclusion-through-innovation/) - In the realm of the financial inclusion world, technology has emerged as the guiding thread, weaving a story of progress and empowerment. At the heart of this narrative lies the “High Tech-High Touch” model, a delicate equilibrium that has ushered in a new era of customized financial services in the rural landscape, where technology serves as the bedrock. Read the views of Mr. Sudesh Puthran, CTO, CA Grameen.
- [CA Grameen Blood Donation Drive: 72 units donated, children with thalassemia benefitted!](https://www.creditaccessgrameen.in/ca-grameen-blood-donation-drive-72-units-donated-children-with-thalassemia-benefitted/) - Recently, CA Grameen employees had the incredible opportunity to make a difference in the lives of children battling thalassemia. The CA Grameen Blood Donation Drive, in partnership with CreditAccess India Foundation and Rashtrotthana Blood Centre, helped collect 72 units of blood on December 20. The event, inaugurated by CEO Ganesh Narayanan, helped raise awareness about
- [<strong>Self-learning centres – bridging the digital divide for rural students!</strong>](https://www.creditaccessgrameen.in/self-learning-centres-bridging-the-digital-divide-for-rural-students/) - In today’s modern era, digital learning has become an integral component of our education system. But, many rural students in our country lack adequate access to it owing to their financial constraints, infrastructural challenges like poor internet penetration, interrupted power supply, etc. These barriers are widening the digital divide for them and hindering their progress.
- [India's microfinance sector will continue to thrive, get bigger](https://www.creditaccessgrameen.in/indias-microfinance-sector-will-continue-to-thrive-get-bigger/) - August 2023: It is important to appreciate the virtues displayed by stakeholders towards the vision of empowering low-income households. Read the views of our MD, Mr. Udaya Kumar Hebbar, here
- [Sudesh Puthran](https://www.creditaccessgrameen.in/sudesh-puthran/) - Sudesh Puthran is the Chief Technology Officer of CA Grameen and is responsible for leading the function of Information Technology at the company. He has 30 years of extensive work experience in the IT industry. Prior to joining CA Grameen, Sudesh has worked with various prominent organisations in the leadership role including Aditya Birla Group
- [Firoz Anam](https://www.creditaccessgrameen.in/firoz-anam/) - Mr. Firoz Anam, Chief Risk Officer at CA Grameen has close to two decades of experience across various banks and NBFCs. His risk management expertise spans financial products including mortgages, credit cards, personal loans, microfinance, and small business loans. He is also a trained data scientist with extensive experience in developing advanced analytical solutions. Firoz
- [CA Grameen celebrates Azadi Ka Amrit Mahotsav](https://www.creditaccessgrameen.in/ca-grameen-celebrates-azadi-ka-amrit-mahotsav/) - August 2022: In answer to the Government of India’s call, AZADI KA AMRIT MAHOTSAV celebrations have begun in full swing at CA Grameen! To rejoice 75 glorious years of Independent India, our employees wore the tricolours and gathered to form a human flag at our Head Office. The occasion was graced by the presence of
- [Making It BIG - Season 8- CreditAccess Grameen](https://www.creditaccessgrameen.in/making-it-big-season-8-creditaccess-grameen/) - March 2019: Mr. Udaya Kumar reflects on his career journey and talks about the 2 pillars on which he re-built CA Grameen, post the 2010 microfinance crisis.
- [Udaya Kumar Hebbar Awarded India’s Top 50 Best Leaders in Times of Crisis 2021!](https://www.creditaccessgrameen.in/udaya-kumar-hebbar-awarded-indias-top-50-best-leaders-in-times-of-crisis-2021/) - August 2021: Mr. Udaya Kumar Hebbar, Managing Director & CEO, CreditAccess Grameen Ltd, has been recognized as one of India’s Top 50 Best Leaders in Times of Crisis 2021, by the Great Place to Work® Institute in the large employers’ category! The Covid-19 pandemic challenged conventional working paradigms and ushered in a new normal for
- [Fostering Women Empowerment: Crossed USD 2 billion AUM mark](https://www.creditaccessgrameen.in/fostering-women-empowerment-crossed-usd-2-billion-aum-mark/) - February, 2022: The year 2007 was the flex point in CreditAccess Grameen (CA Grameen) humble journey towards women empowerment when it transitioned from an NGO to NBFC. The dynamics of the business tilted towards the commercial route to establish that inclusive finance could efficiently succeed with a market-based model. The credibility of serving borrowers responsibly
- [DFC-CA Grameen Ceremonial Signing](https://www.creditaccessgrameen.in/dfc-ca-grameen-ceremonial-signing/) - October 2022: CA Grameen signed a loan agreement on October 17 2022 with the U.S. International Development Finance Corporation (DFC), the U.S. Government’s development finance institution wherein an ESG-linked loan worth USD 35 million for up to 7 years has been extended through the commercial banking route. The direct loan is one of the first
- [ICU equipment worth 5.6 Lakhs donated to the District Hospital in Davanagere, Karnataka](https://www.creditaccessgrameen.in/icu-equipment-worth-5-6-lakhs-donated-to-the-district-hospital-in-devanagere-karnataka/) - October, 2021: “Happiness is being able to give back to your society” – District Collector Mahantesh Bilagi IAS CreditAccess India Foundation is a subsidiary of CreditAccess Grameen Limited that works for social development causes like Health, Education, Livelihood, Environment and Humanitarian aid. On October 8th 2021, the foundation donated ICU equipment worth INR 5.6 lakhs
- [CA Grameen Distributes Grocery Kits to the Flood Victims of Chitradurga](https://www.creditaccessgrameen.in/ca-grameen-distributes-grocery-kits-to-the-flood-victims-of-chitradurga/) - Lending a helping hand in flood-affected Chitradurga Oct 2021: Heavy rains had lashed out in several parts of Chitradurga district in Karnataka, causing severe disruption of lives and livelihoods. On 20th October 2021, the CA Grameen team extended assistance to more than 17 distressed families by distributing grocery kits. Each kit included essential items like
- [Microfinance 2.0: To make microfinance regulation better](https://www.creditaccessgrameen.in/microfinance-2-0-to-make-microfinance-regulation-better/) - July, 2021: The INR 2.59 trillion Indian microfinance industry, largest in the world is poised for a paradigm shift (2.0 version) with the proposed regulations introduced by the central bank. Here are the views of our MD & CEO, Mr. Udaya Kumar Hebbar, to further strengthen the suggested framework. Read more....
- [The influence of governance mechanism in microfinance under changing contours](https://www.creditaccessgrameen.in/the-influence-of-governance-mechanism-in-microfinance-under-changing-contours/) - Sept, 2021: The governance pillar has taken a centre stage with proposed guidelines in place demanding “board approved policies” to set benchmarks for offering credit in the largest microfinance market in the world. Views by our MD & CEO, Mr. Udaya Kumar Hebbar. Read more...
- [Budget 2022: Vibrancy through a reformist approach](https://www.creditaccessgrameen.in/budget-2022-vibrancy-through-a-reformist-approach/) - February, 2022: The Government through its INR 7.5 trillion capital expenditure push will pave a path for long term sustainable growth by creating a million of jobs for low-income households. The Microfinance Institutions present across the hinterland will continue to play a critical role in promoting inclusiveness and contribute towards the next level of the
- [Microfinance sector poised for take off](https://www.creditaccessgrameen.in/microfinance-sector-poised-for-take-off/) - March, 2022: The new lending guidelines by RBI have given a fillip to the Indian microfinance industry being the largest market in the world. The regulatory arbitrage has been removed by shifting the framework from entity-specific to activity-specific making it a level playing field. Do read about the views of our MD & CEO, Mr. Udaya
- [Interview with Vinatha Reddy-Founder of Grameen Koota](https://www.creditaccessgrameen.in/interview-with-vinatha-reddy-founder-of-grameen-koota/) - September 2013: Mrs. Vinatha Reddy, elucidates the operating model of CA Grameen and also shares heart-warming stories of few of our customers who rose above all odds.
- [Keep Changing the World](https://www.creditaccessgrameen.in/keep-changing-the-world/) - January 2016: Watch the video to know how CA Grameen is striving to empower millions of disadvantaged communities from the hinterland of our nation.
- [Grameen Koota Initiatives of Water & Sanitation](https://www.creditaccessgrameen.in/grameen-koota-initiatives-of-water-sanitation/) - April 2017: The video captures CA Grameen’s end-to-end solution and awareness efforts to inculcate clean WASH (Water and Sanitation) practices among its customers and their communities.
- [A Glimpse of the Journey](https://www.creditaccessgrameen.in/a-glimpse-of-the-journey/) - June 2017: Mrs. Vinatha Reddy, narrates what inspired her to envision CA Grameen - India’s largest microfinance institution, and also reminisces the company’s journey, so far.
- [Listing Ceremony](https://www.creditaccessgrameen.in/listing-ceremony/) - August 2018: Watch the listing ceremony of CreditAccess Grameen Ltd at the BSE (Bombay Stock Exchange) held on 23rd of August, 2018.
- [Information Technologies at CreditAccess Grameen](https://www.creditaccessgrameen.in/information-technologies-at-creditaccess-grameen/) - August 2019: This video provides a round-up of CA Grameen’s technological initiatives which enables the company to manage high-volume operations efficiently and move a step closer towards becoming a paperless organization.
- [Disclaimer23](https://www.creditaccessgrameen.in/disclaimer23/) - DISCLAIMER – IMPORTANT NOTE: THE ELECTRONIC VERSION OF THE DRAFT SHELF PROSPECTUS (“DRAFT SHELF PROSPECTUS”) YOU ARE SEEKING TO ACCESS IS BEING MADE AVAILABLE ON THIS WEBSITE BY US, CREDITACCESS GRAMEEN LIMITED (“COMPANY”), AND FOR INFORMATION PURPOSES ONLY. THE DRAFT SHELF PROSPECTUS HAS BEEN MADE AVAILABLE ON THIS WEB SITE IN ELECTRONIC FORM SOLELY TO
- [Slide3](https://www.creditaccessgrameen.in/slide3/) - Empowering lives and livelihoods! Contributing to a positive societal impact through diverse community development initiatives KNOW MORE
- [Amid pandemic, microfinance institutions continue to play to their core strengths](https://www.creditaccessgrameen.in/central-and-state-government-providing-adequate-support/) - September 2021: India offers the most efficient microfinance infrastructure in the world with a size of INR 2.59 lakh crore spread over 600 districts across the country. The model runs on the strength of frontline workers – loan officers who have demonstrated their ability to maintain a deep connect with the customers beyond credit delivery
- [Slide2](https://www.creditaccessgrameen.in/slide2/) - A growth partner to millions Supporting the socio-economic growth of low-income households in the hinterland KNOW MORE
- [Shashikala’s journey of financial independence](https://www.creditaccessgrameen.in/shashikalas-journey-of-financial-independence/) - Shashikala, 35 years, a resident of Kanakapura district in Karnataka has been a CreditAccess customer for four years now. A few years ago, her husband faced a huge loss in his business that brought unseen troubles for the household. Due to the loss, she was unable to support her family of 5 and could not
- [Changing the world with financial resources](https://www.creditaccessgrameen.in/changing-the-world-with-financial-resources/) - This is my story – I am Asha Paunikar, I live in Bilaspur, a city in the central Indian state of Chhattisgarh. Together with my husband Sunil Paunikar, we started a manufacturing unit of gloves for industrial use. We started with one small machine, but we were not able to meet the demand. Soon we
- [Rising above all odds through Microfinance](https://www.creditaccessgrameen.in/rising-above-all-odds-through-microfinance/) - Anita Kachhi, 43 years, a resident of Panagar village, Jabalpur, Madhya Pradesh has been a customer of CreditAccess Grameen for the past two years now. This started as a hobby with sewing as a young girl, she soon learnt tailoring and embroidery. Like all young girls she got married at a young age and settled
- [Giving wings to one's dreams](https://www.creditaccessgrameen.in/giving-wings-to-ones-dreams/) - Ms. Kautika hails from Waraseoni district in Madhya Pradesh. She and her husband are among the few families who have strived to preserve the ancient form of the Chanderi weave. The paucity of working capital forces many such artisans to work as daily wage laborers on their looms earning a meagre INR 250 per day. "It
- [Proper loan utilization key to maximum benefit: Gowramma](https://www.creditaccessgrameen.in/proper-loan-utilization-key-to-maximum-benefit-gowramma/) - Gowramma and her husband Lingaiah own 15 guntas of land, where they grow ragi. Her husband also works as a daily wage labourer in a nearby town. Gowramma took her first loan nine years ago from Grameen Koota to buy a pumpset for the farmland to get water from a nearby canal. “With timely water
- [Healthcare Card Helped Us in Easy and Cashless Hospitalization: Gulzar](https://www.creditaccessgrameen.in/healthcare-card-helped-us-in-easy-and-cashless-hospitalization-gulzar/) - Gulzar, wife of Akram Pasha, has been grateful to Grameen Koota for the healthcare card that provides cashless hospitalization in the best of hospitals within reachable distance. The healthcare card is provided to customers and their family members by Grameen Koota in collaboration with M.D. Sachidananda Hospitals, Mysuru. Each member pays nominal fee to avail
- [Grameen Koota Loan Helped Our New Coconut Venture: Savitha](https://www.creditaccessgrameen.in/grameen-koota-loan-helped-our-new-coconut-venture-savitha/) - A member of Grameen Koota for over a decade, Savitha has been prompt in her repayments and she is proud of it. “We are grateful to Grameen Koota for providing loans. Everybody in my family is saying that Grameen Koota is good and I should continue,” she said. Recollecting her association with Grameen Koota, Savitha
- [From Customer to Field Officer, a Journey of Success](https://www.creditaccessgrameen.in/from-customer-to-field-officer-a-journey-of-success/) - Three years ago, Nandini, wife of Mr. Basavaraj, joined Grameen Koota as a member when she heard about the organisation from her sister. She took a loan to help her husband buy an auto-rickshaw and earn a livelihood for the family. She was attending Kendra meetings regularly and never thought that her association with Grameen
- [For Sashi her Home Pays for Itself](https://www.creditaccessgrameen.in/for-sashi-her-home-pays-for-itself/) - For 31-year-old Sashi, construction of a proper house gave her an opportunity to grow her business too. She joined Grameen Koota five years ago and used her first loan to buy a cow. Sashi repaid the loan and became eligible for subsequent loans, which she used to set up a sericulture unit inside the house.
- [Cattle Unit Big Boon for Mangalamma](https://www.creditaccessgrameen.in/cattle-unit-big-boon-for-mangalamma/) - Mangalamma, 32, who lives in a village near Halagur in Karnataka, had a sericulture unit initially that was barely enough to support her family. Seven years ago, she joined Grameen Koota and availed the first loan to buy a cow. With constant source of income coming from the cattle, Mangalamma realised the need to expand
- [Gowramma Sees Bright Future in her Goat Farming Venture](https://www.creditaccessgrameen.in/gowramma-sees-bright-future-in-her-goat-farming-venture/) - Gowramma, 28, has been a member of Grameen Koota since 2007 and she fondly remembers her association with the organization from the time she took her first loan to venture into goat farming.Gowramma lives in a hut adjacent to a brick kiln, where her husband works as tractor driver. “It was my own plan to
- [How Sanjana Ram Chandra Rao Emerged Victorious in the Face of Adversity?](https://www.creditaccessgrameen.in/how-sanjana-ram-chandra-rao-emerged-victorious-in-the-face-of-adversity/) - Sanjana Ram Chandra Rao used to help her father run the ironing shop that had been there with the family since generations. Incidentally, she had to work after marriage since her husband had a meagre job at a garage and the income was insufficient to run a household. She decided to get back to what
- [Udaya Kumar Hebbar addresses the Students of NIBM](https://www.creditaccessgrameen.in/udaya-kumar-hebbar-addresses-the-students-of-nibm/) - August 2021: On 29 August 2021, Mr. Udaya Kumar Hebbar, Managing Director & CEO, CreditAccess Grameen Limited, interacted with students of the National Institute of Bank Management (NIBM), Pune, in an online leadership talk series- “VISHLESHAN”. The host commenced the session with a welcome note and briefly introduced Mr. Hebbar to the participants. Thereafter, Mr.
- [COVID-19 Vaccination Drive at CreditAccess Grameen Limited](https://www.creditaccessgrameen.in/covid-19-vaccination-drive-at-creditaccess-grameen-limited/) - September 2021: CA Grameen facilitated its second COVID-19 vaccination drive for its employees and their families on September 8, 2021 at its Head Office, in collaboration with BBMP. Over 160 beneficiaries availed the vaccine during the drive. We are glad to have helped our employees with the vaccination process, and we strive to ensure their
- [Opportunity knocks on the door of the courageous](https://www.creditaccessgrameen.in/opportunity-knocks-on-the-door-of-the-courageous/) - Kalpana is a proud member of CA Grameen, who lives in a village near Pondicherry with her family, consisting of her husband and three college-going children. She used to work as a daily wage labourer along with her husband in a local Drishti doll making industry. Even after working dedicatedly for the whole day, she
- [Hello world!](https://www.creditaccessgrameen.in/hello-world/) - Welcome to WordPress. This is your first post. Edit or delete it, then start writing!
- [Hello world!](https://www.creditaccessgrameen.in/hello-world-2/) - Welcome to WordPress. This is your first post. Edit or delete it, then start writing!

## Pages

- [NCD Compliances](https://www.creditaccessgrameen.in/investors/shareholder-services/ncd-compliance/) - 202720262025202420232022202120202019Structured BondsDebenture Trustee Details 2027 Q2 FY 2026-27 Intimation for Interest Payment on NCD - 10 July, 2026 DownloadIntimation for Interest Payment on NCD - 03 July, 2026 Download Q1 FY 2026-27 Intimation for Allotment of 32,500 NCDs - 24 June, 2026DownloadRecord Date Intimation – Reg. 60 of SEBI - 16 June, 2026_PPNCDDownloadRecord Date Intimation
- [test](https://www.creditaccessgrameen.in/test/) - 202420232022202120202019201820172016 2024 2023 2022 2021 2020 2019 2018 2017 2016
- [General Meetings  (AGM/EGM)](https://www.creditaccessgrameen.in/investors/shareholder-services/agm-egm/) - 202720262025202420232022202120202019201820172016 2027 Results of Voting and Scrutinizer's Report at 35th AGM - 03rd July, 2026DownloadProceedings of the 35th AGM - 03rd July, 2026DownloadAnnual Return Form No. MGT-7 FY 2025-26 DownloadESOP Disclosure – SBEB Regulation FY 2025-26Download35th AGM Notice - 03rd July, 2026Download 2026 Results of Voting and Scrutinizer's Report at 34th AGM - 30th July,
- [Awards and Recognition](https://www.creditaccessgrameen.in/about-us/awards-and-recognition/) - CreditAccess Grameen has received numerous awards and recognitions for setting new paradigms for customer-centric business models and efficient operations in the microfinance industry. 2026: Won Platinum Award in Women Empowerment at Global ESG Awards 2026 CreditAccess Grameen Limited has been honoured as a Platinum Winner at the Global ESG Awards 2026 in the Women Empowerment
- [Our Presence & Outreach](https://www.creditaccessgrameen.in/about-us/our-presence-outreach/) - CA Grameen follows a contiguous district-based expansion across rural areas of India. As of 31 March 2026, the company’s footprint spans across 16 states and 1 UT, powered by a network of 2,236 branches with over 21,941 employees, serving more than 44 lakh customers.
- [About us](https://www.creditaccessgrameen.in/about-us/) - CreditAccess Grameen Limited is a leading Indian microfinance institution headquartered in Bengaluru, focused on providing micro-loans to women customers predominantly in rural areas across India. The Company is now operating across 451 districts in 16 states (Andhra Pradesh, Bihar, Chhattisgarh, Goa, Gujarat, Jharkhand, Karnataka, Kerala, Madhya Pradesh, Maharashtra, Odisha, Rajasthan, Tamil Nadu, Telangana, Uttar Pradesh
- [Press Releases](https://www.creditaccessgrameen.in/media/press-releases/) - 202720262025202420232022202120202019 2027 June 29, 2026: CreditAccess Grameen Raises INR 425 Crore via Private Issue of NCDsDownloadJune 11, 2026: CreditAccess Grameen appoints Mrs. Devika Praveen as Chief Compliance OfficerDownloadMay 08, 2026: Q4 FY26 ResultsDownload 2026 May 08, 2026: Q4 FY26 ResultsDownloadMarch 10, 2026: CreditAccess Grameen Advances Inclusive Growth with USD 75 Million Syndicated Social Loan FacilityDownloadJanuary
- [Grameen Vikas Loan](https://www.creditaccessgrameen.in/products/retail-finance/grameen-vikas-loan/) - Purpose: Grameen Vikas loan is a high-ticket asset backed loan, offered to our customers who have high credit requirement for their business purposes like: purchase of inventory, machinery, addition of new establishments, purchase of new resources, etc. Loan Amount: Customers can avail loans from Rs. 3,00,000/- to Rs. 24,00,000/- Rate of Interest: To view the interest rate, please click
- [Other Intimation](https://www.creditaccessgrameen.in/investors/shareholder-services/other-intimation/) - 20272026 2025202420232022202120202019 2027 ESOP Allotment - 23 June, 2026DownloadAnnouncement under Regulation 30 of LODR – Appointment of CCO- 11 June, 2026DownloadESOP Allotment - 09 June, 2026DownloadAnnouncement under Regulation 30 – Letter from Stock Exchange - 29 May 2026DownloadESOP Allotment - 22 May, 2026DownloadESOP Allotment - 13 May, 2026DownloadESOP Allotment - 21 April, 2026Download 2026 ESOP
- [Investor Presentations](https://www.creditaccessgrameen.in/investors/financials-and-investor-presentations/investor-presentations/) - 20262025202420232022202120202019 2026 Investor Presentation - Q4 FY 2025-26DownloadInvestor Presentation - Q3 FY 2025-26DownloadInvestor Presentation - Q2 FY 2025-26DownloadInvestor Presentation - Q1 FY 2025-26Download 2025 Investor Presentation - Q4 FY 2024-25DownloadInvestor Presentation - Q3 FY 2024-25DownloadInvestor Presentation - Q2 FY 2024-25DownloadInvestor Presentation - Q1 FY 2024-25Download 2024 Investor Presentation - Q4 FY 2023-24DownloadInvestor Presentation - Q3
- [Income Generation Loan](https://www.creditaccessgrameen.in/products/microfinance-group-lending/income-generation-loan/) - Purpose Income Generation Loan supports business enterprises and income enhancement activities of the clients like purchasing fixed assets to installing additional machinery etc. These loans also meet the additional working capital requirements of the client’s businesses Loan Amount Clients can avail loans ranging from Rs. 5,000/- to Rs. 2,00,000/- under Income Generation Loan. Rate of Interest
- [Grameen Vishesh Loan](https://www.creditaccessgrameen.in/products/retail-finance/grameen-vishesh-loan/) - Purpose: Grameen Vishesh Loan is an individual unsecured business loan offered to graduated group lending customers. These loans would be given to a member in her individual capacity and Group guarantee would not be applicable for these loans. It is an income generation loan that supports business enterprises and income enhancement activities. Loan Amount: Clients
- [Newspaper Publications](https://www.creditaccessgrameen.in/media/newspaper-publications/) - Newspaper Advertisement - 35th AGM - 10 June, 2026DownloadNewspaper Advertisement - 35th AGM - 08 June, 2026DownloadMay 2026_Q4 Result PublicationDownloadJanuary 2026_Q3 Result PublicationDownloadOctober 2025_Q2 Result PublicationDownloadJuly 2025_Q1 Result PublicationDownloadNewspaper Advertisement - 34th AGM - 06 July, 2025DownloadNewspaper Advertisement - 34th AGM - 03 July, 2025DownloadMay 2025_Q4 Result PublicationDownloadJanuary 2025_Q3 Result PublicationDownloadOctober 2024_Q2 Result PublicationDownloadJuly 2024_Q1
- [Annual Reports](https://www.creditaccessgrameen.in/investors/financials-and-investor-presentations/annual-reports/)
- [About CA India Foundation](https://www.creditaccessgrameen.in/csr/about-ca-india-foundation/) - CreditAccess India Foundation (CA India Foundation) is a registered Section 8 company incorporated on 29th May 2021. It is classified as Non-government company and is registered at Registrar of Companies, Bangalore. CA India Foundation is a 100% subsidiary of CreditAccess Grameen Limited. The Foundation focuses on social development areas like Education, Healthcare, Livelihood, Rural Development,
- [Grameen Mahi App Privacy Policy](https://www.creditaccessgrameen.in/governance/digital-lending-policies/digital-lending-privacy-policy/) - 1. BACKGROUND AND DEFINITIONS: Below given policy provides details about how we handle and use your data in connection with our digital platform Grameen MAHI mobile App (“Application”, “App”). The Privacy Policy is supplementary to the CreditAccess Grameen’s ‘Client Data Privacy Policy’ (Credit-Access_Grameen_Client-Data-Privacy-Policy.pdf (creditaccessgrameen.in)) and shall be read in conjunction with the same which provide
- [Corporate Brochure](https://www.creditaccessgrameen.in/media/corporate-brochure/) - Click here to download corporate e-brochure
- [Credit Ratings](https://www.creditaccessgrameen.in/investors/additional-information/rating/)
- [Secretarial Compliance Report](https://www.creditaccessgrameen.in/investors/shareholder-services/secretarial-compliance-report/) - 20262025202420232022202120202019 2026 Secretarial Compliance Report FY 2025-26Download 2025 Secretarial Compliance Report FY 2024-25Download 2024 Secretarial Compliance Report FY 2023-24Download 2023 Secretarial Compliance Report FY 2022-23Download 2022 Secretarial Compliance Report FY 2021-22Download 2021 Secretarial Compliance Report FY 2020-21Download 2020 Secretarial Compliance Report FY 2019-20Download 2019 Secretarial Compliance Report FY 2018-19Download
- [Policies](https://www.creditaccessgrameen.in/governance/policies/) - Fair Practices Code- Vernacular languages Statutory ESG Statutory Policy on Auditors Appointment as per RBI CircularDownloadFair Practices CodeDownloadLoan Restructuring PolicyDownloadPolicy on Know Your customer (KYC), Anti- Money Laundering (AML) and Countering Financing of Terrorism (CFT) DownloadDividend Distribution PolicyDownloadCompensation Policy for Directors, KMPs and Senior ManagementDownloadPolicy on Determination of MaterialityDownloadCode of Conduct & Fair Disclosure for Prohibition
- [Board Approved CSR Projects](https://www.creditaccessgrameen.in/csr/board-approved-csr-projects/) - Major Activity/HeadDetails of Activities/ProgramEducation1. Educational Institutions Infra Improvement - Anganawadi Improvement Program 2. Education Institutions Infra/Equipment Improvement3. Grameen Vidya - Pratibha Scholarship Program for 10th and 11th pass students.4. Grameen Vidya - Need based/ITI5. Support to Special Institutions- The Coorg Foundation6. Community Awareness activities - Financial Literacy7. Trainings & Awareness - Career Guidance Program8. Nurturing Children's
- [CSR Policy](https://www.creditaccessgrameen.in/csr/csr-policy/) - Corporate Social Responsibility policy adopted by CreditAccess Grameen Limited (Formerly known as Grameen Koota Financial Services Pvt Ltd) 1. Introduction: CreditAccess Grameen Limited (“CA Grameen” or the “Company”) in compliance with Section 135 of the Companies Act, 2013, is incorporating in its structure, Corporate Social Responsibility projects through this Corporate Social responsibility (CSR) Policy and
- [Blogs](https://www.creditaccessgrameen.in/csr/csr-updates/)
- [CSR](https://www.creditaccessgrameen.in/csr/)
- [Central KYC Guidelines by CERSAI](https://www.creditaccessgrameen.in/governance/central-kyc-guidelines-by-cersai/) - Watch the video to know more! Please note: CKYC guidelines are currently applicable only for individual loans.
- [Disclosures under Regulation 46 and 62 of SEBI (LODR) Regulations, 2015](https://www.creditaccessgrameen.in/investors/shareholder-services/disclosures-under-regulation/) - Disclosures under Regulation 46 Details of BusinessView DetailsMemorandum of Association and Articles of AssociationView DetailsBrief profile of Board of DirectorsView DetailsTerms and Conditions of appointment of the Independent DirectorsView DetailsComposition of Various CommitteesView DetailsCode of Conduct of Board of Directors and Senior Management PersonnelView DetailsVigil Mechanism and Whistle-Blower PolicyView DetailsCriteria of making payments to non-executive
- [Newsletters](https://www.creditaccessgrameen.in/media/newsletters/) - 20262025202420232022202120202019 2026 Newsletter Q4 FY 2025-26DownloadNewsletter Q3 FY 2025-26DownloadNewsletter Q2 FY 2025-26DownloadNewsletter Q1 FY 2025-26Download 2025 Newsletter Q4 FY 2024-25DownloadNewsletter Q3 FY 2024-25DownloadNewsletter Q2 FY 2024-25DownloadNewsletter Q1 FY 2024-25Download 2024 Newsletter Q4 FY 2023-24DownloadNewsletter Q3 FY 2023-24DownloadNewsletter Q2 FY 2023-24DownloadNewsletter Q1 FY 2023-24Download 2023 Newsletter Q4 FY 2022-23DownloadNewsletter Q3 FY 2022-23DownloadNewsletter Q2 FY 2022-23DownloadNewsletter Q1
- [Liquidity Risk Disclosures](https://www.creditaccessgrameen.in/investors/additional-information/liquidity-risk-disclosures/) - Public Disclosure on Liquidity Risk Management – 31 March, 2026DownloadPublic Disclosure on Liquidity Risk Management – 31 December, 2025DownloadPublic Disclosure on Liquidity Risk Management – 30 September, 2025DownloadPublic Disclosure on Liquidity Risk Management – 30 June, 2025DownloadPublic Disclosure on Liquidity Risk Management – 31 March, 2025DownloadPublic Disclosure on Liquidity Risk Management – 31 December, 2024DownloadPublic
- [Earnings Call](https://www.creditaccessgrameen.in/investors/financials-and-investor-presentations/earnings-call/) - 20262025202420232022202120202019 2026 Q4 FY 2025-26 Earnings Call Intimation Q4 FY 2025-26DownloadEarnings Call Audio Q4 FY 2025-26DownloadEarnings Call Transcript Q4 FY 2025-26Download Q3 FY 2025-26 Earnings Call Intimation Q3 FY 2025-26DownloadEarnings Call Audio Q3 FY 2025-26DownloadEarnings Call Transcript Q3 FY 2025-26Download Q2 FY 2025-26 Earnings Call Intimation Q2 FY 2025-26DownloadEarnings Call Audio Q2 FY 2025-26DownloadEarnings Call
- [Subsidiary Financials](https://www.creditaccessgrameen.in/investors/financials-and-investor-presentations/subsidiary-financials/) - 2026202520242023202220212020 202 Subsidiary Financials FY 2025-26Download 2025 Subsidiary Financials FY 2024-25Download 2024 Subsidiary Financials FY 2023-24Download 2023 Subsidiary Financials FY 2022-23Download 2022 Subsidiary Financials FY 2021-22Download 2021 Subsidiary Financials FY 2020-21Download 2020 Subsidiary Financials FY 2019-20Download
- [Financial Results](https://www.creditaccessgrameen.in/investors/financials-and-investor-presentations/financial-results/) - 2026202520242023202220212020201920182017 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017
- [Intimation of Board Meetings](https://www.creditaccessgrameen.in/investors/shareholder-services/intimation-of-board-meetings/) - 202620252024202320222021202020192018 2026 Board Meeting Notice - 30 April, 2026DownloadBoard Meeting Notice - 12 January, 2026DownloadBoard Meeting Notice - 06 December, 2025DownloadBoard Meeting Notice -10 October, 2025DownloadBoard Meeting Notice - 08 July, 2025Download 2025 Board Meeting Notice - 08 May, 2025DownloadBoard Meeting Notice -10 January, 2025DownloadBoard Meeting Notice -15 October, 2024DownloadBoard Meeting Notice -19 July, 2024Download
- [Integrated Filing](https://www.creditaccessgrameen.in/investors/shareholder-services/corporate-governance/) - Integrated Filing (Governance) 20262025202420232022202120202019 2026 Integrated Filing (Governance) as on 31st March, 2026 DownloadIntegrated Filing (Governance) as on 31st December, 2025 DownloadIntegrated Filing (Governance) as on 30th September, 2025DownloadIntegrated Filing (Governance) as on 30th June, 2025 Download 2025 Integrated Filing (Governance) as on 31 March, 2025DownloadCorporate Governance Report as on 31st December, 2024DownloadCorporate Governance Report
- [Shareholding Pattern](https://www.creditaccessgrameen.in/investors/shareholder-services/shareholding-pattern/) - 20262025202420232022202120202019 2026 Shareholding Pattern as on 31st March, 2026DownloadShareholding Pattern as on 31st December, 2025DownloadShareholding Pattern as on 30th September, 2025DownloadShareholding Pattern as on 30th June, 2025Download 2025 Shareholding Pattern as on 31st March, 2025DownloadShareholding Pattern as on 31st December, 2024DownloadShareholding Pattern as on 30th September, 2024DownloadShareholding Pattern as on 30th June, 2024Download 2024 Shareholding
- [Multi-Purpose Digital Loan](https://www.creditaccessgrameen.in/products/digital-lending/multi-purpose-digital-loan/) - Purpose Multi-Purpose Digital Loan is a small ticket loan offered to select existing customers (both physical and digital) to help them address various emergency and quick requirements related to business, medical, education, festival and other family needs. Loan Amount Clients can avail loans up to Rs. 10,000/- Rate of Interest To view the interest rate, please
- [Pragathi Digital Loan](https://www.creditaccessgrameen.in/products/digital-lending/pragathi-digital-loan/) - Purpose Pragathi Digital Loan is offered to women to support their business, working capital requirements, education, home improvement, medical and other family needs. Loan Amount Clients can avail loans up to Rs. 1,00,000/-. Rate of Interest To view the interest rate, please click here. Tenure Up to 2 years
- [Digital Individual Loan](https://www.creditaccessgrameen.in/products/digital-lending/digital-individual-loan/) - Purpose Digital Individual Loan is offered to digitally savvy women customers to support their business for working capital, purchasing fixed assets, children education needs. Co-Applicant is mandatory to avail Digital Individual Loan. Loan Amount Customers can avail loans up to Rs. 50,000/-. Rate of Interest To view the interest rate, please click here. Tenure Up to
- [Grameen  Housing Loan](https://www.creditaccessgrameen.in/products/retail-finance/grameen-affordable-housing-loan-pilot-2/) - Purpose Grameen Housing loan is a loan offered to our customers to realize their dream of having their own home. Our customers can use this loan to construct or purchase a new house of their choice. The loan can also be utilized for improvement or renovation of their existing homes. Loan Amount Clients can avail
- [Unnati Loan](https://www.creditaccessgrameen.in/products/retail-finance/grameen-unnati-loan/) - Purpose: Grameen Unnati is a business loan envisaged for graduated group lending customers who currently have running business. These loans would be given to a member in her individual capacity and Group guarantee would not be applicable for these loans . Grameen Unnati loan is meant to meet the customer’s business funding requirements such as
- [Grameen Two-Wheeler Loan](https://www.creditaccessgrameen.in/products/retail-finance/grameen-savaari-loan/) - Purpose: Grameen Two-Wheeler Loan is offered to our customers for purchase of new two-wheelers, that could be primarily used for income generation activities. Loan Amount: Customers can avail loan from Rs. 40,000/- to max Rs. 1,20,000/- Rate of Interest: To view the interest rate, please click here. Tenure: 24 or 36 months Repossession agents engaged by CreditAccess Grameen Limited
- [Emergency Loan](https://www.creditaccessgrameen.in/products/microfinance-group-lending/emergency-loan/) - Purpose CreditAccess Grameen offers short term emergency loan to its clients to help them address emergencies and short-term cash flow constraints. This timely financial assistance refrains the members from resorting to other informal sources of money, which are very expensive. Loan Amount Clients can avail Emergency loan of Rs. 1,000/– to Rs. 2,000 to help them
- [Family Welfare Loan](https://www.creditaccessgrameen.in/products/microfinance-group-lending/family-welfare-loan/) - Purpose Family Welfare Loan supports all those activities of our clients to improve their quality of life and they include loans for fulfilling genuine consumption needs, such as purchase of cooking stoves, LPG connections, bicycles, water purifiers and solar lights, meet education requirements of our clients’ children, to cover medical expenses and to cater specific
- [Home Improvement Loan](https://www.creditaccessgrameen.in/products/microfinance-group-lending/home-improvement-loan/) - Purpose CreditAccess Grameen offers its clients with home improvement loans to help them avail water connection and to construct toilets, besides improvement and extension of their existing houses, i.e. repair or replacing a roof, wall floor or door, monsoon proofing, adding a room or kitchen etc. Loan Amount Clients can avail loans ranging from Rs.
- [Key Announcements](https://www.creditaccessgrameen.in/investors/financials-and-investor-presentations/business-updates/) - 20262025202320222021 2026 Business Update - March 2026DownloadBusiness Update - December 2025DownloadBusiness Update - September 2025DownloadBusiness Update - June 2025DownloadBusiness Update - April 2025Download 2025 Business Update - February 2025DownloadBusiness Update - October 2024Download 2023 Business Update - April 2023Download 2022 Business Update – March 2022DownloadBusiness Update – December 2021DownloadBusiness Update – November 2021DownloadBusiness Update –
- [NPS – Swavalamban](https://www.creditaccessgrameen.in/products/distributor-products/nps-swavalamban/) - Registration number - 32092018 Schemes under which PoP is registered – NPS - Lite Validity of Registration – 17.01.2027 Launched in 2009 by the Government of India, the National Pension Scheme from PFRDA made way for every working citizen of India to save part of their income for their pension. To extend the coverage of
- [Home Videos](https://www.creditaccessgrameen.in/home-videos/)
- [Life Insurance](https://www.creditaccessgrameen.in/products/distributor-products/insurance/) - CreditAccess Grameen has tied up with several insurance service providers including, Shriram Life Insurance Company Limited, ICICI Prudential Life, HDFC Life, Kotak Life and CreditAccess Life Insurance to provide insurance coverage to customers and spouse/co-borrowers (applicable for Retail Finance). Maximum cover for up to Rs. 2,00,000 is provided for products covered under Individual term life
- [Interviews](https://www.creditaccessgrameen.in/media/interviews/) - 20262025202420232022202120202019 202 March 10, 2026: CreditAccess Grameen to scale overseas borrowings to $400 mn a year November 10, 2025: CreditAccess Grameen has one of the lowest cost structures in the industry, CTO 2025 December 13, 2024: Bridging Healthcare Gaps: CreditAccess India Foundation's Mission to Transform Rural Communities July 24, 2024: Zee Business: News Par Views
- [ESG Reporting](https://www.creditaccessgrameen.in/investors/additional-information/esg-perspective/) - We have always put sustainability at the heart of our business approach by integrating ESG (Environmental, Social, and Governance) principles into our business model, to create sustainable positive value for our stakeholders. To view our ESG Policies Click here Financial Impact-Climate Related Risks View Details
- [Media Coverages](https://www.creditaccessgrameen.in/media/media-coverage/) - 202620252024202320222021202020192018 2026 March 10, 2026: CreditAccess Grameen signs pact with global banks to raise $75 million January 20, 2026: CreditAccess Grameen turns profitable as provisions fall in Q3 October 01, 2025: Business Standard: Why CreditAccess Grameen stock outran markets in FY26? May 17, 2025: Money Control: CreditAccess Grameen announces succession plan, net profit at Rs
- [Certification](https://www.creditaccessgrameen.in/about-us/certification/) - Over the years, CreditAccess Grameen has received numerous awards and recognition for setting a paradigm of a customer-centric business model and efficient operations in the microfinance industry. We feel honoured to be recognized many times for our development initiatives as well. Great Place to WorkClient Protection Certification Great Place to Work Client Protection Certification CreditAccess
- [Current Openings](https://www.creditaccessgrameen.in/join-us/current-openings/) - CreditAccess Grameen welcomes dynamic and motivated individuals with a passion to work for social development. Our Team consists of Regular Employees & Consultants. CreditAccess Grameen’s Head Office is situated in Bangalore, which supports Operations through various functions such as project management, financial analysis, marketing, communication etc. CreditAccess Grameen hires individual consultants and consulting firms for
- [Grievance Redressal](https://www.creditaccessgrameen.in/contact/grievance-redressal/) - CreditAccess Grameen Limited has established a robust grievance redressal mechanism to systematically monitor its operations in all its areas. We have set-up a dedicated Toll-Free Helpline Number, i.e. 1800 123 153 153, to address any grievances/queries/requests raised by our members. The helpline number is managed by a dedicated Member Support Team (MST) which has team members who
- [Message from Managing Director & CEO](https://www.creditaccessgrameen.in/about-us/message-from-md/) - At CreditAccess Grameen, our story is one of trust, resilience, and strong community connections. For 26 years, we have been more than just a financial institution; we are catalysts for ambition, partnering with millions of women entrepreneurs as they redefine progress. Driving inclusive finance at scale is both a privilege and a responsibility. It demands
- [Committees of the Board](https://www.creditaccessgrameen.in/governance/committees-of-the-board/) - Audit Committee Ms. Rekha Warriar – ChairpersonMr. Manoj KumarMs. Jessie PaulMr. Massimo VitaALM Committee Mr. Ganesh Narayanan - ChairmanMr. Sumit KumarMr. Massimo VitaMs. Rekha WarriarMr. Udaya Kumar HebbarMr. Nilesh Dalvi – CFOMr. Gururaj Rao – COOMr. Firoz Anam – CRONomination and Remuneration Committee Ms. Jessie Paul – ChairpersonMr. Manoj Kumar Mr. Paolo BrichettiStakeholders’ Relationship
- [Unpaid Dividend](https://www.creditaccessgrameen.in/investors/shareholder-services/unpaid-dividend/) - CreditAccess Grameen Limited Supports IEPFA’s “Saksham Niveshak” 100-Day CampaignDownloadStatement of Unpaid Dividend - FY 2023-24Download
- [Shareholder Assistance](https://www.creditaccessgrameen.in/investors/shareholder-services/shareholder-assistance/) - Investor Grievance Redressal and contact information details Company Secretary & Compliance Officer Ms. Deepti RamaniCreditAccess Grameen LimitedCIN: L51216KA1991PLC053425#49, 46th Cross, 8th Block, Jayanagar, Bangalore – 560070Telephone: +91.80.22637300Email: cs@cagrameen.in Registrar and Transfer Agent (RTA) KFin Technologies LimitedUnit: CreditAccess Grameen LimitedSelenium Tower B, Plot 31 & 32,Financial District, Nanakramguda, Serilingampally Mandal,Hyderabad – 500 032, TelanganaEmail: einward.ris@kfintech.com ; cgl.ipo@karvy.com;Toll free number: +1- 800-309-4001Website: https://www.kfintech.com and
- [Grameen Suraksha](https://www.creditaccessgrameen.in/products/distributor-products/grameen-suraksha/) - Purpose: Grameen Suraksha (Hospicash) is a flagship scheme exclusively designed for our members and their spouses where they can claim a daily fixed amount to cover for their income losses arising due to inability to work in the event of hospitalization. For Grameen Suraksha the insurers in collaboration with CA Grameen are ICICI Lombard General Insurance
- [Other Information](https://www.creditaccessgrameen.in/products/digital-lending/other-information/) - Customer care: Please email at digital.support@grameenkoota.in for any queries or customer support. Details of Nodal Grievance Redressal Officer can be found below: Name: Ms. Haridarshini A,Grievance Redressal Officer,SVP, Centralized Operations. Address: No. 49, 46th Cross, 8th Block, Jayanagar, (Next to Rajalakshmi Kalayana Mantap) Bengaluru-560070, Karnataka, India. Email: yourvoice@cagrameen.in Toll-free number: 1800 123 153 153 For
- [Designated KMPs for Determining Materiality](https://www.creditaccessgrameen.in/investors/shareholder-services/designated-kmps-for-determining-materiality/) - KMPs authorized for the purpose of determining materiality of an event or information Mr. Ganesh Narayanan,Managing Director & Chief Executive Officer, Telephone: +91.80.22637300, Email: cs@cagrameen.inMr. Nilesh Dalvi,Chief Financial OfficerTelephone: +91.80.22637300,Email: cs@cagrameen.inMr. Gururaj Rao,Chief Operating OfficerTelephone: +91.80.22637300,Email: cs@cagrameen.inMs. Deepti Ramani,Company Secretary and Compliance OfficerTelephone: +91.80.22637300,Email: cs@cagrameen.in
- [Get in touch](https://www.creditaccessgrameen.in/contact/get-in-touch/) - Fill out below form to get in touch with us! Please provide as much information as possible for us to help you with your enquiry:)
- [MAHI App Terms of Use](https://www.creditaccessgrameen.in/governance/digital-lending-policies/digital-lending-terms-of-use/) - We at CreditAccess Grameen Limited ("our", "us", "we", "Company", "CA Grameen") have developed Grameen MAHI, a mobile application ("App") and are happy to have you with us. Please read these terms of use ("Terms") carefully before you use the App since they constitute the agreement between you and us. For the purpose of this TERMS OF
- [Ombudsman Scheme](https://www.creditaccessgrameen.in/governance/ombudsman-scheme/) - Integrated Ombudsman Scheme - Salient Features - 2021DownloadRBI Order on Appointment of Internal Ombudsman by NBFC - 2021DownloadRBI - Integrated Ombudsman Scheme - 2021Download
- [Jagruti](https://www.creditaccessgrameen.in/jagruti/) - Jagruti, an initiative by CreditAccess Grameen, was created as an awareness-building tool with a vision to empower our customers through information. Designed with women as the primary focus, Jagruti emerged from extensive discussions with key stakeholders, both within and outside the microfinance sector, leveraging design-thinking principles. Initially, Jagruti connected with its audience through engaging letters
- [Our Promoters](https://www.creditaccessgrameen.in/about-us/our-promoters/) - CreditAccess India (“CAI”) is a well-established company, of healthy and secure financial standing, attracting funds globally and providing working capital loans and other financial services to small, informal businesses and unbanked workers, in India. Our clients are mainly women running retail shops, small-scale traders, and family farmers. We deploy our assets in a country of
- [Grameen Mahi (Customer App)](https://www.creditaccessgrameen.in/products/digital-lending/grameen-mahi-customer-app/) - Grameen Mahi is the customer app of CreditAccess Grameen through which our digital loans – Pragathi Digital Loan and Multi-Purpose Digital Loan will also be processed. This is an android smartphone based app. These digital loans will be offered to women in a group-based structure similar to our current physical microfinance model. The platform also
- [Great Place To Work](https://www.creditaccessgrameen.in/about-us/certification/great-place-to-work/)
- [Digital Lending](https://www.creditaccessgrameen.in/products/digital-lending/) - Digital Lending products of CreditAccess Grameen have been created to cater to the needs of customers who are digitally savvy. These products will be offered in a simple, convenient, and transparent model through a proprietary Mobile App. The loans will be offered to women in a group based structure similar to our current physical microfinance
- [Grameen Sanchay](https://www.creditaccessgrameen.in/products/distributor-products/grameen-sanchay/) - CreditAccess Life - Grameen Sanchay UIN – 163N012V01 Grameen Sanchay is a group savings, non-linked, micro insurance product developed by CreditAccess Life Insurance. It is specially designed and developed for CreditAccess Grameen Limited customers to help them secure their financial needs and provide protection for their families. This product aims to help customers plan their
- [Job Application Form](https://www.creditaccessgrameen.in/job-application-form/)
- [Genesis](https://www.creditaccessgrameen.in/about-us/genesis/) - CreditAccess Grameen Limited is the largest NBFC-MFI in India. The institution has been listed on national stock exchanges NSE and BSE since August 2018. CreditAccess Grameen was visualized by Vinatha M. Reddy in December 1996, inspired by the book ‘Give Us Credit’ by Alex Counts, President and CEO, Grameen Foundation USA. The book detailed remarkable stories of poor who
- [Public Issue of NCD](https://www.creditaccessgrameen.in/investors/shareholder-services/public-issue-of-ncd/) - Prospectus 202520242023 2025 Other disclosures DISCLAIMER – IMPORTANT NOTE: THE ELECTRONIC VERSION OF THE DRAFT SHELF PROSPECTUS (“DRAFT SHELF PROSPECTUS”) YOU ARE SEEKING TO ACCESS IS BEING MADE AVAILABLE ON THIS WEBSITE BY US, IN CREDITACCESS GRAMEEN LIMITED (“COMPANY”), AND FOR INFORMATION PURPOSES ONLY. THE DRAFT SHELF PROSPECTUS HAS BEEN MADE AVAILABLE ON THIS WEBSITE
- [Other Information](https://www.creditaccessgrameen.in/products/retail-finance/other-information/) - User Guide on NACH MandatesDownload
- [QIP](https://www.creditaccessgrameen.in/investors/shareholder-services/qip/) - FY 2020-21 QIP Placement Document - 08th October, 2020DownloadIntimation Regarding Allotment of equity shares under QIP as on 08th October, 2020DownloadQIP Placement Document - 05th October, 2020DownloadIntimation Regarding Pvt Placement Document Issuance as on 05th October, 2020DownloadPrior Intimation of the Board meeting under Regulation 29(1)(d) of SEBI - 31st August, 2020Download
- [Customer Speak](https://www.creditaccessgrameen.in/blogs/customer-speak/) - We speak to our customers on a regular basis to understand how their association with the organization has impacted their lives. Our customers were happy to share what CreditAccess Grameen means to them. Read the stories of individuals and families whose lives have been positively impacted through our various financial products and social initiatives.
- [Philosophy](https://www.creditaccessgrameen.in/about-us/philosophy/) - CreditAccess Grameen’s philosophy is based on our vision and mission and we ensure that the organization is focused towards achieving the same. Vision – CreditAccess India To be the preferred financial partner of Indian households lacking access to formal credit. Mission – CreditAccess Grameen To provide affordable credit and other financial services in a responsible,
- [Investors](https://www.creditaccessgrameen.in/investors/)
- [Corporate Presentations](https://www.creditaccessgrameen.in/investors/financials-and-investor-presentations/corporate-presentations/) - 2024202320222021 2024 Corporate Presentation - December 2023DownloadCorporate Presentation - August 2023DownloadCorporate Presentation (NCD Issue) - August 2023Download 2023 Corporate Presentation - November 2022DownloadCorporate Presentation - October 2022DownloadCorporate Presentation - June 2022Download 2022 AGM Presentation - FY 2022DownloadCorporate Presentation - 2021Download 2021 Corporate Presentation - 2020Download
- [Digital Lending Policies](https://www.creditaccessgrameen.in/governance/digital-lending-policies/)
- [Board of Directors](https://www.creditaccessgrameen.in/governance/board-of-directors/) - Our board provides the expertise and collective wisdom to guide us to achieve sustainable growth. CreditAccess Grameen’s board of directors come from a variety of industries and diverse fields of expertise. Diversity is ensured through consideration of a number of factors, including but not limited to skills, industry experience, background and other relevant aspects.
- [Distributor Products](https://www.creditaccessgrameen.in/products/distributor-products/) - Life Insurance, NPS – Swavalamban, Grameen Suraksha
- [Postal Ballot](https://www.creditaccessgrameen.in/investors/shareholder-services/postal-ballot/) - 202320222021 2023 Postal Ballot Voting Results and Scrutinizers Report – April 26, 2023DownloadPostal Ballot Notice - Newspaper Publication -25 March, 2023DownloadPostal Ballot Notice - 24 March, 2023DownloadPostal Ballot Voting Results and Scrutinizers Report - January 04, 2023DownloadPostal Ballot Notice - Newspaper Publication -03 December, 2022DownloadPostal Ballot Notice - 02 December, 2022Download 2022 Postal Ballot Voting
- [Social Bond & Loan Framework](https://www.creditaccessgrameen.in/investors/additional-information/social-bond-loan-framework/)
- [CSR Updates](https://www.creditaccessgrameen.in/blogs/csr-updates/)
- [Company  Updates](https://www.creditaccessgrameen.in/blogs/updates/)
- [Amalgamation](https://www.creditaccessgrameen.in/investors/shareholder-services/amalgamation/) - MMFL Amalgamation MMFL Amalgamation NCLT Bengaluru Order dated February 7, 2023DownloadNCLT Chennai Order dated October 12, 2022DownloadNCLT Order for Final Hearing - 10 August, 2022DownloadProceedings of the NCLT Convened Meeting - 25 April, 2022DownloadVoting Results and Scrutinizer’s Report - 25 April, 2022DownloadNotice of the NCLT Convened Meeting - 25 April, 2022DownloadNotice of the NCLT Convened
- [Videos](https://www.creditaccessgrameen.in/blogs/videos/)
- [Financial Education](https://www.creditaccessgrameen.in/investors/additional-information/financial-education/) - 2021 2021
- [Retail Finance](https://www.creditaccessgrameen.in/products/retail-finance/) - In 2016, CreditAccess Grameen introduced Retail Finance which offers individual loans to existing customers. Retail Finance primarily targets customers who have high entrepreneurial capacity, have graduated from JLG model and are capable of borrowing larger loans in their individual capacity. These loans are mainly offered to customers to expand their existing business, meet their working
- [Blogs](https://www.creditaccessgrameen.in/blogs/) - Visit this section to read or download Financial Results, Annual Reports, Quarterly Updates, Latest News, Impact Stories. You can also view the latest photos or watch the latest videos here.
- [Products](https://www.creditaccessgrameen.in/products/) - CreditAccess Grameen provides a wide range of products, designed in keeping various life cycle needs of its customers such as income generation, health care, education, festival celebration, home improvement, water, and sanitation.
- [Microfinance- Group Lending](https://www.creditaccessgrameen.in/products/microfinance-group-lending/) - Emergency Loan, Family Welfare Loans, Home Improvement Loan, Income Generation Loan.
- [Code of Conduct](https://www.creditaccessgrameen.in/governance/code-of-conduct/)
- [Contact](https://www.creditaccessgrameen.in/contact/)
- [Careers](https://www.creditaccessgrameen.in/join-us/careers-cagl/) - Workplace Environment CreditAccess Grameen’s employees are all individuals who want to make a difference to society at large. They understand that the primary force guiding microfinance is to effectively transform the lives of lakhs of women. CreditAccess Grameen, therefore, provides its employees with the necessary coaching, training and support. A firm believer in the open
- [Submit your CV Online](https://www.creditaccessgrameen.in/cv-online/)
- [Columns in Media](https://www.creditaccessgrameen.in/blogs/columns-in-media/)
- [Articles](https://www.creditaccessgrameen.in/blogs/articles/)
- [Media](https://www.creditaccessgrameen.in/media/)
- [Management Team](https://www.creditaccessgrameen.in/governance/management-team/) - The Senior Management team at CreditAccess Grameen Limited comprises of officials having diverse background and vast experience in commercial banking and social sectors. Brief profiles of senior management team are as follows:
- [Investor Presentations](https://www.creditaccessgrameen.in/investor-presentations/) - Quarterly Result Presentations, Business Updates, Corporate Presentations
- [Additional Information](https://www.creditaccessgrameen.in/investors/additional-information/)
- [Shareholder Services](https://www.creditaccessgrameen.in/investors/shareholder-services/) - Investor Grievance Redressal Mechanism, Investor Queries
- [Financials and Investor Presentations](https://www.creditaccessgrameen.in/investors/financials-and-investor-presentations/) - Annual Reports, Financial Results, CA Grameen Subsidiary Financials
- [Stock Exchange Intimations](https://www.creditaccessgrameen.in/stock-exchange-intimations/)
- [Earning Calls](https://www.creditaccessgrameen.in/earning-calls/) - Call Transcript, Audio, Call Audio Recording
- [Investor Queries](https://www.creditaccessgrameen.in/investor-queries/) - For any investor queries, please write to us atEmail: investorrelations@cagrameen.in
- [General Meetings](https://www.creditaccessgrameen.in/general-meetings/) - AGM/EGM, Postal Ballot
- [Governance](https://www.creditaccessgrameen.in/governance/) - Board of Directors, Committees of the Board, Management Team, Policies, Ombudsman Scheme Policies
- [Investor Relations](https://www.creditaccessgrameen.in/investor-relations/) - Financial Information, Financial Presentations, General Meetings, Media Releases, Shareholder Assistance, Stock Exchange Intimations etc...
- [Earning/Investor Call](https://www.creditaccessgrameen.in/investorcall/) - Concall 31-07-2019DownloadConcall 31-04-2019DownloadConcall 31-01-2019DownloadConcall 31-10-2018Download
- [Call Intimations](https://www.creditaccessgrameen.in/earning-calls/call-intimations/) - Aug 2021_Q1 FY 22_Earnings Call IntimationDownloadMay 2021_FY21_Q4 Earnings Call IntimationDownloadJanuary 2021_FY21_Q3 Earnings Call IntimationDownloadNovember 2020_FY21_Q2 Earnings Call IntimationDownloadAugust 2020_FY21_Q1 Earnings Call IntimationDownloadMay 2020_FY20_Q4 Earnings Call IntimationDownload
- [Audio](https://www.creditaccessgrameen.in/investorcall/audio/) - Concall 31-07-2019DownloadConcall 31-04-2019DownloadConcall 31-01-2019DownloadConcall 31-10-2018Download
- [Call Audio Recording](https://www.creditaccessgrameen.in/earning-calls/call-audio-recording/) - Q2 FY22 - Earnings Call - AudioDownloadQ1 FY22 - Earnings Call - AudioDownloadQ4 FY21 - Earnings Call - AudioDownload
- [Call Transcript](https://www.creditaccessgrameen.in/earning-calls/call-transcript/) - Q2 FY22 Earnings Call TranscriptDownloadQ1 FY22 Earnings Call TranscriptDownloadQ4 FY21 Earnings Call TranscriptDownloadQ3 FY21 Earnings Call TranscriptDownloadQ2 FY21 Earnings Call TranscriptDownloadQ1 FY21 Earnings Call TranscriptDownloadQ4 FY20 Earnings Call TranscriptDownloadCovid-19 Business Update TranscriptDownloadQ3 FY20 Earnings Call TranscriptDownloadQ2 FY20 Earnings Call TranscriptDownloadQ1 FY20 Earnings Call TranscriptDownloadQ4 FY19 Call TranscriptDownloadQ3 FY19 Call TranscriptDownloadQ2 FY19 Call TranscriptDownload
- [PPI Certification from Grameen Foundation, USA](https://www.creditaccessgrameen.in/about-us/certification/ppi-certification-from-grameen-foundation-usa/) - Grameen Foundation USA awarded Grameen Koota with the Certificate of Completion for its Basic, Advanced and Tracking Over Time Standards of the use of Progress out of Poverty Index (PPI). Grameen Foundation defines the PPI as "a simple and accurate tool that measures poverty levels of groups and individuals. Using the PPI, MFIs can better
- [Truelift Achiever Certification](https://www.creditaccessgrameen.in/about-us/certification/truelift-achiever-certification/) - After undergoing Truelift Assessment at the Microcredit Summit Campaign’s Partnerships against Poverty Summit, Grameen Koota, was awarded with its Truelift Certification acknowledging it at ‘Achiever's level’, out of the four Truelift milestones, for its commitment to pro-poor microfinance practices. Truelift through this certification not only recognized the efforts made by Grameen Koota to put welfare of
- [Smart Campaign Certification](https://www.creditaccessgrameen.in/about-us/certification/smart-campaign-certification/) - CreditAccess Grameen Limited (Formerly known as Grameen Koota Financial Services pvt. Ltd) has been honored by Smart Campaign as having met all the client protection principles. Smart Campaign is the globally recognized, independent, third party evaluation that publicly recognizes financial institutions that meet adequate standards of care in how they treat their clients. The Campaign
- [Seal of Transparency](https://www.creditaccessgrameen.in/about-us/certification/seal-of-transparency/) - CreditAccess Grameen Limited (Formerly known as Grameen Koota Financial Services pvt. Ltd) was awarded the official Seal of Transparency from MFTransparency as part of its Transparent Pricing Initiative in India. As per MFtransparency, CreditAccess Grameen’a firm commitment to consumer protection and responsible microfinance was primarily the basis of awarding the seal to the organization. MicroFinance
- [Guidelines on Fair Practices Code for NBFC-MFIs](https://www.creditaccessgrameen.in/about-us/commitment/guidelines-on-fair-practices-code-for-nbfc-mfis/) - CreditAccess Grameen Limited has been extending Microfinance and is also engaged in financing welfare oriented schemes like Water and Sanitation, Education, Improved Cook Stove, Water purifier, Solar light and Health Care, etc. to the poor & low income households. It has adopted an environment conscious approach and strongly believes in “GO GREEN”. As a part
- [Sa-Dhan Code of Conduct](https://www.creditaccessgrameen.in/about-us/commitment/sa-dhan-code-of-conduct/) - PREAMBLE Microfinance institutions seek to create social benefits and promote financial inclusion by providing financial services to low income households. As these institutions build partnerships with their clients, it is getting increasingly important to define core values and fair practices, so as to ensure that Microfinance services are provided in a manner that benefits and
- [Code Of Conduct for MFIN Customers](https://www.creditaccessgrameen.in/about-us/commitment/code-of-conduct-for-mfin-customers/) - As all MFIN Member MFIs are regulated by the Reserve Bank of India (RBI), they are already required to follow all prudential norms as well as consumer protection practices laid down by the RBI. This Code of Conduct is designed to ensure that the RBI Guidelines are followed in both letter and spirit, and in
- [Sample Page](https://www.creditaccessgrameen.in/sample-page-2/) - This is an example page. It's different from a blog post because it will stay in one place and will show up in your site navigation (in most themes). Most people start with an About page that introduces them to potential site visitors. It might say something like this: Hi there! I'm a bike messenger
- [Sample Page](https://www.creditaccessgrameen.in/sample-page/) - This is an example page. It's different from a blog post because it will stay in one place and will show up in your site navigation (in most themes). Most people start with an About page that introduces them to potential site visitors. It might say something like this: Hi there! I'm a bike messenger
- [COVID-19 Support Initiatives](https://www.creditaccessgrameen.in/non-financial-services/covid-19-support-initiatives/) - COVID-19 Support Initiatives Considering the economic and social hardships faced by communities in our operational geographies due to outbreak of COVID-19 pandemic, the company decided to focus its CSR activities towards helping the local administration and communities to deal with COVID inflicted challenges. Our field employees closely engaged with local government authorities at state and
- [Credit Rating](https://www.creditaccessgrameen.in/investors/shareholder-services/ncd-compliance/credit-rating/) - Credit Rating_March 2021 Download Credit Rating Letter-November 2020 Download Credit Rating Letter_October 2020 Download Credit Rating_July 2020 Download Credit Rating Letter_June 2020 Download Credit Rating Letter_May 2020 Download
- [Structured Bonds](https://www.creditaccessgrameen.in/investors/shareholder-services/ncd-compliance/structured-bonds/) - MLD Valuation-September 01 2021 Download MLD Valuation-March 26 2021 Download
- [Transcript](https://www.creditaccessgrameen.in/investorcall/transcript/)
- [Services for Investors](https://www.creditaccessgrameen.in/services-for-investors/) - Request for alerts, schedule a meeting, post a query, provide your feedback on the site, see the FAQs and contact us.
- [Press Release](https://www.creditaccessgrameen.in/pressrelease/) - We design things with love and passion. We understand your requirement and provide quality works.
- [Archive](https://www.creditaccessgrameen.in/archive/)
- [Enquiry](https://www.creditaccessgrameen.in/enquiry/)
- [Internship](https://www.creditaccessgrameen.in/internship/) - We value the opportunity to work with Indian and International Interns. Grameen Koota is committed to provide an experimental learning opportunity to pre-professionals, students and other interested individuals. We believe that this process is the best way to create efficient leaders and professionals for the microfinance sector. Interns should hold good academic background and experience
- [GK News](https://www.creditaccessgrameen.in/media/newsletters/gk-news/) - March 30th, 2017: Grameen Koota gets Rs 250 crore capital from CreditAccess Asia / View February 14th, 2017: Grameen Koota partners with Artoo to develop digital lending model / View October 3rd, 2016: October Month - Marks Breast Awareness TV Program on DD Chandana / View June 8th, 2016: June 1, 2016 Grameen Koota lowers rates in some categories
- [Partners](https://www.creditaccessgrameen.in/partners/) - Name of Partnering Organization Navya Disha Pension Fund Regulatory and Development Authority, Government of India Grameen Foundation USA Grameen Trust USA Yunus Centre, Dhaka International Finance Corporation SAS Poorna Arogya Healthcare Pvt Ltd. Habitat for Humanity International Water.Org Accion Technical Advisors India Microsave Phicus Social Solutions MicroEnergy Credits Shriram Life Insurance Company Ltd Life Insurance
- [Bankers](https://www.creditaccessgrameen.in/bankers/) - Public Sector Banks: Andhra Bank Bank of India Bank of Maharashtra Dena Bank IDBI Bank Ltd Oriental Bank of Commerce State Bank of India State Bank of Mysore State Bank of Travancore Union Bank of India Vijaya Bank Private Sector Banks Abu Dhabi Commercial Bank Axis Bank Ltd BNP Paribas Citi Bank DCB Bank Ltd
- [WASH](https://www.creditaccessgrameen.in/non-financial-services/wash/) - CreditAccess Grameen’s WASH (water, sanitation and hygiene) program addresses the impact of unsanitary practices on the health of the community through community education modules. The WASH initiative creates awareness at different levels (district, taluk, panchayat, village, community) and offers access to finance and infrastructure to effectively address the challenge of poor sanitation.
- [Sushikshana](https://www.creditaccessgrameen.in/non-financial-services/sushikshana/) - Sushikshana is a child education program that aims to educate school children on non-curricular topics like water, sanitation, hygiene, financial literacy and career guidance. It is delivered to students of government, private, aided and un-aided schools in Karnataka and Maharashtra. The interactive and audio-visual rich content is delivered with the support of Navya Disha staff
- [SAC Workshops](https://www.creditaccessgrameen.in/non-financial-services/sac-workshops/) - Customer Education is an important aspect of CreditAccess Grameen’s culture. As part of our Micro-Credit plus activities, we conduct periodic Social Awareness Campaigns (SACs), earlier known as Socio-Economic Development (SED) workshops, for our customers in all our operational areas. These campaigns draw participation from the entire community. The objective of the Campaigns is to build
- [Non-Financial Services](https://www.creditaccessgrameen.in/non-financial-services/) - A right mix of economic & social development programs is essential to achieve development goals. Our non-financial products such as customer education, financial literacy, water and sanitation projects, and such many other programs reflect the right mix in this direction.
- [Financial Products](https://www.creditaccessgrameen.in/financial-products/) - We offer a range of financial products including loans to support our customers to set up a new business, working capital to address cash flow gaps, Family Welfare loans to meet cyclic, unexpected or one-time needs of a family and Emergency loans to address short-term cash flow constraints during emergencies.
- [Impact Stories Latest Video](https://www.creditaccessgrameen.in/impact-stories/)
- [Join Us](https://www.creditaccessgrameen.in/join-us/)

## Categories

- [Uncategorized](https://www.creditaccessgrameen.in/./uncategorized/)
- [Articles](https://www.creditaccessgrameen.in/./blogs/articles/)
- [Flow Player](https://www.creditaccessgrameen.in/./flow-player/)
- [Blogs](https://www.creditaccessgrameen.in/./blogs/) - Gravida enim nullam tempor sapien, eget gravida donec enim ipsum porta justo integer at odio velna congue integer auctor vitae magna at risus integer.
- [Customer Speak](https://www.creditaccessgrameen.in/./blogs/customer-speak/)
- [Management Team](https://www.creditaccessgrameen.in/./management-team/)
- [Company Updates](https://www.creditaccessgrameen.in/./blogs/updates/)
- [Videos](https://www.creditaccessgrameen.in/./blogs/videos/)
- [Board of Directors](https://www.creditaccessgrameen.in/./board-of-directors/)
- [Columns in Media](https://www.creditaccessgrameen.in/./blogs/columns-in-media/)
- [Public Issue of NCD](https://www.creditaccessgrameen.in/./public-issue-of-ncd/)
- [CSR Updates](https://www.creditaccessgrameen.in/./blogs/csr-updates/)

## Tags

- [Customer testimonial](https://www.creditaccessgrameen.in/tag/customer-testimonial/)
- [customer](https://www.creditaccessgrameen.in/tag/customer/)
- [High Tech-High Touch](https://www.creditaccessgrameen.in/tag/high-tech-high-touch/)
- [High Tech](https://www.creditaccessgrameen.in/tag/high-tech/)
- [Technology](https://www.creditaccessgrameen.in/tag/technology/)
- [Digital financial services](https://www.creditaccessgrameen.in/tag/digital-financial-services/)