CREDITACCESS GRAMEEN LTD.
NSE : CREDITACCBSE : 541770ISIN
CODE : INE741K01010Industry : Finance - NBFCHouse
: MNC
BSE1434.75-33.4 (-2.27 % )
PREV CLOSE (Rs.) 1468.15
OPEN PRICE (Rs.) 1465.05
BID PRICE (QTY) 0.00 (0 )
OFFER PRICE (QTY) 0.00 (0 )
VOLUME 9852
TODAY'S LOW / HIGH (Rs.)
52 WK LOW / HIGH (Rs.)
NSE1434.55 -32.45 (-2.21 % )
PREV CLOSE(Rs.) 1467.00
OPEN PRICE (Rs.) 1474.35
BID PRICE (QTY) 1434.55 (175 )
OFFER PRICE (QTY) 0.00 (0 )
VOLUME 111105
TODAY'S LOW / HIGH(Rs.)
52 WK LOW / HIGH (Rs.)
Profit & Loss
(Rs in Million)
| Particulars | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|
| INCOME : | |||||
| Operating Income | 35451.20 | 27428.20 | 24610.00 | 17043.10 | 12822.60 |
| Sale of Shares / Units | NA | NA | NA | NA | NA |
| Interest income | 33271.20 | 25673.40 | 22900.30 | 16333.90 | 12183.20 |
| Portfolio management services | NA | NA | NA | NA | NA |
| Dividend income | NA | NA | NA | NA | NA |
| Brokerages & commissions | NA | NA | NA | NA | NA |
| Processing fees and other charges | 195.20 | 132.10 | 87.60 | 50.00 | 13.40 |
| Other Operating Income | 1984.80 | 1622.70 | 1622.10 | 659.20 | 626.00 |
| Operating Income (Net) | 35451.20 | 27428.20 | 24610.00 | 17043.10 | 12822.60 |
| EXPENDITURE : | NA | NA | NA | NA | NA |
| Increase/Decrease in Stock | NA | NA | NA | NA | NA |
| Employee Cost | 5152.40 | 4376.60 | 3799.90 | 2620.50 | 1860.50 |
| Salaries, Wages & Bonus | 4542.80 | 3882.00 | 3412.40 | 2251.70 | 1644.10 |
| Contributions to EPF & Pension Funds | 453.30 | 402.60 | 343.40 | 293.60 | 141.30 |
| Workmen and Staff Welfare Expenses | 49.80 | 37.50 | 24.50 | 50.10 | 29.80 |
| Other Employees Cost | 106.50 | 54.50 | 19.60 | 25.10 | 45.30 |
| Operating & Establishment Expenses | 743.40 | 623.40 | 459.20 | 295.00 | 239.10 |
| Depository Charges | NA | NA | NA | NA | NA |
| Security Transaction tax | NA | NA | NA | NA | NA |
| Software & Technical expenses | NA | NA | NA | NA | NA |
| Commission, Brokerage & Discounts | 18.00 | 29.60 | 30.10 | 11.80 | NA |
| Rent , Rates & Taxes | 417.10 | 331.50 | 269.00 | 174.90 | 168.50 |
| Repairs and Maintenance | 194.60 | 184.10 | 106.80 | 71.20 | 47.90 |
| Insurance | 59.40 | 35.90 | 18.60 | 8.90 | 3.10 |
| Electricity & Power | 54.30 | 42.30 | 34.70 | 28.20 | 19.60 |
| Other Operating Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Administrations & Other Expenses | 1615.40 | 1179.70 | 910.10 | 964.50 | 642.70 |
| Printing and stationery | 61.50 | 62.00 | 63.00 | 64.00 | 47.50 |
| Professional and legal fees | 231.50 | 172.00 | 169.80 | 244.60 | 57.30 |
| Advertisement & Sales Promotion | NA | NA | NA | NA | NA |
| Other General Expenses | 1322.40 | 945.70 | 677.30 | 655.90 | 537.90 |
| Provisions and Contingencies | 4282.90 | 6167.20 | 7913.70 | 2533.80 | 864.60 |
| Provisions for contingencies | NA | NA | NA | NA | NA |
| Provisions against NPAs | NA | NA | NA | NA | NA |
| Bad debts /advances written off | NA | NA | NA | NA | NA |
| Provision for doubtful debts | NA | NA | NA | NA | NA |
| Losson disposal of fixed assets(net) | NA | NA | NA | NA | 0.70 |
| Losson foreign exchange fluctuations | NA | NA | 0.10 | NA | 0.50 |
| Losson sale of non-trade current investments | NA | NA | NA | NA | NA |
| Other Miscellaneous Expenses | 4282.90 | 6167.20 | 7913.60 | 2533.80 | 863.40 |
| Less: Expenses Capitalised | NA | NA | NA | NA | NA |
| Total Expenditure | 11794.10 | 12346.90 | 13082.90 | 6413.80 | 3606.90 |
| Operating Profit (Excl OI) | 23657.10 | 15081.30 | 11527.10 | 10629.30 | 9215.70 |
| Other Income | 56.70 | 73.10 | 50.80 | 11.70 | 11.80 |
| Other Interest Income | NA | NA | NA | NA | NA |
| Other Commission | NA | NA | NA | NA | NA |
| Discounts | NA | NA | NA | NA | NA |
| Profit on sale of Fixed Assets | NA | NA | NA | NA | NA |
| Income from investments | NA | NA | NA | NA | NA |
| Provision Written Back | NA | NA | NA | NA | NA |
| Others | 56.70 | 73.10 | 50.80 | 11.70 | 11.80 |
| Operating Profit | 23713.80 | 15154.40 | 11577.90 | 10641.00 | 9227.50 |
| Interest | 12161.20 | 9874.20 | 9333.20 | 5821.30 | 4172.20 |
| Loans | 10541.70 | 7974.60 | 7736.10 | 4946.90 | 3046.70 |
| Deposits | NA | NA | NA | NA | NA |
| Bonds / Debentures | 1469.10 | 1767.10 | 1423.90 | 685.10 | 896.30 |
| Other Interest | 150.40 | 132.50 | 173.20 | 189.30 | 229.20 |
| Depreciation | 498.40 | 472.30 | 440.70 | 203.70 | 77.90 |
| Profit Before Taxation & Exceptional Items | 11054.20 | 4807.90 | 1804.00 | 4616.00 | 4977.40 |
| Exceptional Income / Expenses | NA | NA | NA | NA | NA |
| Profit Before Tax | 11054.20 | 4807.90 | 1804.00 | 4616.00 | 4977.40 |
| Provision for Tax | 2793.60 | 1277.20 | 490.00 | 1261.10 | 1759.80 |
| Current Income Tax | 2382.30 | 1202.80 | 1064.40 | 1604.70 | 1763.50 |
| Deferred Tax | 411.30 | 74.40 | -574.40 | -343.60 | -3.70 |
| Other taxes | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit After Tax | 8260.60 | 3530.70 | 1314.00 | 3354.90 | 3217.60 |
| Extra items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Minority Interest | NA | NA | 26.20 | -19.40 | NA |
| Share of Associate | NA | NA | NA | NA | NA |
| Other Consolidated Items | NA | NA | NA | NA | NA |
| Consolidated Net Profit | 8260.60 | 3530.70 | 1340.20 | 3335.50 | 3217.60 |
| Adjustments to PAT | NA | NA | NA | NA | NA |
| Profit Balance B/F | 11947.30 | 9175.60 | 8185.30 | 5535.50 | 2973.80 |
| Appropriations | 20207.90 | 12706.30 | 9525.50 | 8871.00 | 6191.40 |
| General Reserve | NA | NA | NA | NA | NA |
| Proposed Equity Dividend | NA | NA | NA | NA | NA |
| Corporate dividend tax | NA | NA | NA | NA | NA |
| Other Appropriation | 20207.90 | 12706.30 | 9525.50 | 8871.00 | 6191.40 |
| Equity Dividend % | NA | NA | NA | NA | NA |
| Earnings Per Share | 51.98 | 22.65 | 8.61 | 23.16 | 22.41 |
| Adjusted EPS | 51.98 | 22.65 | 8.61 | 23.16 | 22.41 |
