CreditAccess Grameen Bonds
3 bonds issued by CreditAccess Grameen, listed across Indian platforms, currently yielding 8.5%-9.2% YTM (average 8.8%), rated AA-. Compare YTM, coupon, tenure, credit rating and minimum investment before you invest.
About CreditAccess Grameen
CreditAccess Grameen Limited is India largest microfinance lender by portfolio. Registered in 1991 and lending since 1998, it extends small, unsecured loans to roughly 4.4 million customers through the joint-liability group model, where borrowers guarantee each other rather than pledging collateral. Customers are mainly farmers, dairy farmers, vendors and small traders. It operates 2,209 branches across 17 states and one union territory, with Karnataka, Maharashtra and Tamil Nadu accounting for about 71% of the portfolio between them, and is 66.54% owned by CreditAccess India N.V. The company reported a profit after tax of Rs 531 crore in FY25. Microfinance is unsecured lending to low-income borrowers and asset quality moves with local stress: reported gross NPA was 4.76% in March 2025 before improving to 3.65% by September.
- AUM
- Rs 25,904 crore
- Gross NPA
- 3.65%
- Capital adequacy
- 26%
Figures as of 30 Sep 2025. Rated by CRISIL. Source: rating rationale.
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Plan your bond ladderWho is CreditAccess Grameen?
CreditAccess Grameen Limited is India largest microfinance lender by portfolio. Registered in 1991 and lending since 1998, it extends small, unsecured loans to roughly 4.4 million customers through the joint-liability group model, where borrowers guarantee each other rather than pledging collateral. Customers are mainly farmers, dairy farmers, vendors and small traders. It operates 2,209 branches across 17 states and one union territory, with Karnataka, Maharashtra and Tamil Nadu accounting for about 71% of the portfolio between them, and is 66.54% owned by CreditAccess India N.V. The company reported a profit after tax of Rs 531 crore in FY25. Microfinance is unsecured lending to low-income borrowers and asset quality moves with local stress: reported gross NPA was 4.76% in March 2025 before improving to 3.65% by September.
Is it safe to invest in CreditAccess Grameen bonds?
CreditAccess Grameen's listed bonds carry an AA- credit rating from CRISIL; as of 30 Sep 2025 the company reported AUM of Rs 25,904 crore, gross NPA of 3.65% and capital adequacy of 26%. A credit rating measures the chance of default, not price stability, and corporate bonds are not covered by DICGC deposit insurance. Read the issuer's latest rating rationale before you invest.
What yield do CreditAccess Grameen bonds offer right now?
As of Oct 2026, the 3 listed CreditAccess Grameen bonds yield between 8.5% and 9.2% (average 8.8%), against roughly 6-7% on a comparable bank FD.