Balance Sheet

CREDITACCESS GRAMEEN LTD.

NSE : CREDITACCBSE : 541770ISIN CODE : INE741K01010Industry : Finance - NBFCHouse : MNC
BSE1438.1511.95 (+0.84 %)
PREV CLOSE ( ) 1426.20
OPEN PRICE ( ) 1425.60
BID PRICE (QTY) 0.00 (0)
OFFER PRICE (QTY) 0.00 (0)
VOLUME 14468
TODAY'S LOW / HIGH ( )1403.00 1450.10
52 WK LOW / HIGH ( )959.5 1794.4
NSE1437.2511.6 (+0.81 %)
PREV CLOSE( ) 1425.65
OPEN PRICE ( ) 1428.00
BID PRICE (QTY) 1437.25 (18)
OFFER PRICE (QTY) 0.00 (0)
VOLUME 183815
TODAY'S LOW / HIGH( ) 1401.10 1450.00
52 WK LOW / HIGH ( )961 1796
Select year
( in Million)
ParticularsMar2023Mar2022Mar2021Mar2020Mar2019
EQUITY AND LIABILITIES
Share Capital1589.101558.701555.801439.901435.50
    Equity - Authorised1600.001600.001600.001600.001600.00
    Â Equity - Issued1589.101558.701555.801439.901435.50
    Equity Paid Up1589.101558.701555.801439.901435.50
    Equity Shares Forfeited0.000.000.000.000.00
    Adjustments to Equity0.000.000.000.000.00
    Preference Capital Paid Up0.000.000.000.000.00
    Face Value10.0010.0010.0010.0010.00
Share Warrants & Outstandings194.10117.2085.2086.1087.90
Total Reserves49286.5039993.2035274.5025816.2022127.20
    Securities Premium24785.9022681.2022631.3014835.9014800.00
    Capital Reserves499.50499.50499.50499.50499.50
    Profit & Loss Account Balance18551.3011947.309242.208185.305535.50
    General Reserves0.000.000.000.000.00
    Other Reserves5449.804865.202901.502295.501292.20
Reserve excluding Revaluation Reserve49286.5039993.2035274.5025816.2022127.20
Revaluation reserve0.000.000.000.000.00
Shareholder's Funds51069.7041669.1036915.5027342.2023650.60
Minority Interest0.000.001048.301089.500.00
Long-Term Borrowings0.000.000.000.000.00
Secured Loans160096.70127101.70106520.6094366.4048295.00
    Non Convertible Debentures16723.5014181.0016599.407925.805561.60
    Converible Debentures & Bonds0.000.000.000.000.00
    Packing Credit - Bank0.000.000.000.000.00
    Inter Corporate & Security Deposit0.000.000.000.000.00
    Term Loans - Banks107403.3086974.4062562.4060376.9026674.40
    Term Loans - Institutions21232.2025008.9025012.0023016.2012990.90
    Other Secured14737.70937.402346.803047.503068.10
Unsecured Loans2773.301849.502892.701030.30370.70
    Fixed Deposits - Public0.000.000.000.000.00
    Loans and advances from subsidiaries0.000.000.000.000.00
    Inter Corporate Deposits (Unsecured)0.000.000.000.000.00
    Foreign Currency Convertible Notes0.000.000.000.000.00
    Long Term Loan in Foreign Currency1258.801160.800.000.000.00
    Loans - Banks988.000.000.000.000.00
    Loans - Govt.0.000.000.000.000.00
    Loans - Others0.000.001715.600.000.00
    Other Unsecured Loan526.50688.701177.101030.30370.70
Deferred Tax Assets / Liabilities-809.30-1553.90-1040.90-574.40-431.40
    Deferred Tax Assets1124.801802.601660.70965.00431.40
    Deferred Tax Liability315.50248.70619.80390.600.00
Other Long Term Liabilities0.000.000.000.000.00
Long Term Trade Payables0.000.000.000.000.00
Long Term Provisions5288.404629.604962.704815.503194.50
Total Non-Current Liabilities167349.10132026.90113335.1099637.8051428.80
Current Liabilities
Trade Payables3037.002590.202016.901086.501037.30
    Sundry Creditors3037.002590.202016.901086.501037.30
    Acceptances0.000.000.000.000.00
    Due to Subsidiaries- Trade Payables0.000.000.000.000.00
Other Current Liabilities979.801026.20943.10784.1099.00
    Bank Overdraft / Short term credit0.000.000.000.000.00
    Advances received from customers0.000.000.000.000.00
    Interest Accrued But Not Due0.000.000.000.000.00
    Share Application Money0.000.000.000.000.00
    Current maturity of Debentures & Bonds0.000.000.000.000.00
    Current maturity - Others0.000.000.000.000.00
    Other Liabilities979.801026.20943.10784.1099.00
Short Term Borrowings252.60255.700.000.000.00
    Secured ST Loans repayable on Demands0.000.000.000.000.00
    Working Capital Loans- Sec0.000.000.000.000.00
    Buyers Credits - Unsec0.000.000.000.000.00
    Commercial Borrowings- Unsec0.000.000.000.000.00
    Other Unsecured Loans252.60255.700.000.000.00
Short Term Provisions2645.402084.00943.60140.4077.40
    Proposed Equity Dividend0.000.000.000.000.00
    Provision for Corporate Dividend Tax0.000.000.000.000.00
    Provision for Tax2384.801856.50763.900.000.00
    Provision for post retirement benefits0.000.000.000.000.00
    Preference Dividend0.000.000.000.000.00
    Other Provisions260.60227.50179.70140.4077.40
Total Current Liabilities6914.805956.103903.602011.001213.70
Total Liabilities225333.60179652.10155202.50130080.5076293.10
ASSETS
Loans (Non - Current Assets)190433.40147653.30117204.80110989.1066028.30
Gross Block7775.407595.706584.406195.90479.70
Less: Accumulated Depreciation1785.101306.80856.70430.90232.20
Less: Impairment of Assets0.000.000.000.000.00
Net Block5990.306288.905727.705765.00247.50
Lease Adjustment A/c0.000.000.000.000.00
Capital Work in Progress0.000.000.000.000.00
Non Current Investments4545.205.405.40455.602.00
Long Term Investment4545.205.405.40455.602.00
    Quoted0.000.000.000.000.00
    Unquoted4545.205.405.40455.602.00
Long Term Loans & Advances5578.304929.105217.104973.903285.40
Other Non Current Assets141.30129.500.000.0010.70
Total Non-Current Assets206727.90159036.90128161.20122212.0069597.50
Current Assets Loans & Advances
Currents Investments0.000.000.000.000.00
    Quoted0.000.000.000.000.00
    Unquoted0.000.000.000.000.00
Inventories0.000.000.000.000.00
    Raw Materials0.000.000.000.000.00
    Work-in Progress0.000.000.000.000.00
    Finished Goods0.000.000.000.000.00
    Packing Materials0.000.000.000.000.00
    Stores  and Spare0.000.000.000.000.00
    Other Inventory0.000.000.000.000.00
Sundry Debtors0.000.000.002.200.90
    Debtors more than Six months0.000.000.000.000.00
    Debtors Others0.000.000.002.200.90
Cash and Bank14364.3017613.9024843.807176.406155.50
    Cash in hand124.3075.8082.4013.80123.40
    Balances at Bank14240.0017538.1024761.407162.606032.10
    Other cash and bank balances0.000.000.000.000.00
Other Current Assets1492.10860.801109.30409.50348.80
    Interest accrued on Investments0.000.000.000.000.00
    Interest accrued on Debentures0.000.000.000.000.00
    Deposits with Government0.000.000.000.000.00
    Interest accrued and or due on loans1044.40786.701054.70357.70301.20
    Prepaid Expenses131.4074.1054.6051.8047.60
    Other current_assets316.300.000.000.000.00
Short Term Loans and Advances2749.302140.501088.20280.40190.40
    Advances recoverable in cash or in kind253.70174.00150.4099.7050.60
    Advance income tax and TDS2379.201841.90754.000.000.00
    Amounts due from directors0.000.000.000.000.00
    Due From Subsidiaries0.000.000.000.000.00
    Inter corporate deposits0.000.000.000.000.00
    Corporate Deposits0.000.000.000.000.00
    Other Loans & Advances116.40124.60183.80180.70139.80
Total Current Assets18605.7020615.2027041.307868.506695.60
Net Current Assets (Including Current Investments)11690.9014659.1023137.705857.505481.90
Miscellaneous Expenses not written off0.000.000.000.000.00
Total Assets225333.60179652.10155202.50130080.5076293.10
Contingent Liabilities2.503.503.605.700.00
Total Debt163122.60129206.90109413.3095396.7048665.70
Book Value320.15266.58236.73189.29164.14
Adjusted Book Value320.15266.58236.73189.29164.14

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RISK DISCLOSURES ON DERIVATIVES

  • 9 out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
  • On an average, loss makers registered net trading loss close to ₹ 50,000.
  • Over and above the net trading losses incurred, loss makers expended an additional 28% of net trading losses as transaction costs.
  • Those making net trading profits, incurred between 15% to 50% of such profits as transaction cost.

Source:

1. SEBI study dated January 25, 2023 on “Analysis of Profit and Loss of Individual Traders dealing in equity Futures and Options (F&O) Segment”, wherein Aggregate Level findings are based on annual Profit/Loss incurred by individual traders in equity F&O during FY 2021-22.