What is CFSL Ltd. Quarterly Revenue?

CFSL Ltd. Quarterly Revenue CFSL Jun-2026 Quarterly Revenue is Rs 1 Cr which is growth of 98.4% YoY.

What is CFSL Ltd. Quarterly Net Profit?

CFSL Ltd. Quarterly Net Profit CFSL Jun-2026 Quarterly Net Profit is Rs 0 Cr which is growth of 234.3% YoY.

What is CFSL Ltd. Annual Revenue?

CFSL Ltd. Annual Revenue CFSL Mar-2026 Annual Revenue is Rs 1 Cr which is growth of -46.0% YoY.

What is CFSL Ltd. Annual Net Profit?

CFSL Ltd. Annual Net Profit CFSL Mar-2026 Annual Net Profit is Rs 0 Cr which is growth of -53.6% YoY.

What is CFSL Ltd. Total Shareholders Fund?

CFSL Ltd. Total Shareholders Fund CFSL Mar-2026 Total Shareholders Fund is Rs 15 Cr which is growth of 1.2% YoY.

What is CFSL Ltd. Total Assets?

CFSL Ltd. Total Assets CFSL Mar-2026 Total Assets is Rs 15 Cr which is growth of -0.1% YoY.

What is CFSL Ltd. Book Value Per Share?

CFSL Ltd. Book Value Per Share CFSL Mar-2026 Book Value Per Share is 2 Rs which is growth of 1.2% YoY.

What is CFSL Ltd. ROE?

CFSL Ltd. ROE CFSL Mar-2026 ROE is 1% which is growth of 1.3% YoY.

What is CFSL Ltd. Cash From Operating Activity?

CFSL Ltd. Cash From Operating Activity CFSL Mar-2026 Cash From Operating Activity is Rs 1 Cr which is growth of 1612.1% YoY.

What is CFSL Ltd. Net Cash Flow?

CFSL Ltd. Net Cash Flow CFSL Mar-2026 Net Cash Flow is Rs 1 Cr which is growth of 1612.1% YoY.

CFSL Ltd.

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CFSL quarterly and annual financials: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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CFSL quarterly results: revenue, profit, and P&L – 13 quarter history

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POSITIVE
Quarterly Revenue CFSL Jun-2026 Quarterly Revenue is Rs 1 Cr which is growth of 98.4% YoY.
POSITIVE
Quarterly Net Profit CFSL Jun-2026 Quarterly Net Profit is Rs 0 Cr which is growth of 234.3% YoY.

CFSL Ltd., Quarterly, standalone, All financials are in INR Cr and price data in INR
Indicator	Jun '26	Mar '26	Dec '25	Sep '25	Jun '25	Mar '25	Dec '24	Sep '24	Jun '24	Mar '24	Dec '23	Sep '23	Jun '23
TOTAL_SR_Q Total Rev. ⌄	0.5	0.3	0.3	0.4	0.3	0.3	0.4	1.5	0.3	0.5	0.4	1.7	0.2
SR_Q Operating Rev.	0.3	0.3	0.3	0.4	0.3	0.3	0.4	1.5	0.3	0.5	0.4	1.7	0.2
OI_Q Other Income	0.3
OEXPNS_Q Operating Exp.	0.2	0.1	0.3	0.4	0.2	0.2	0.2	1.1	0.2	-0.2	0.3	1.7	-0.3
OEXPNS_Q Operating Exp.	0.2	0.1	0.3	0.4	0.2	0.2	0.2	1.1	0.2	-0.2	0.3	1.7	-0.3
OP_Q Operating Profit	0	0.1	0	0.1	0.1	0.1	0.2	0.3	0.1	0.7	0.1	-0	0.5
OPMPCT_Q Operating Profit Margin %	11.55%	50.77%	8.53%	15.88%	32.03%	38.36%	38.82%	23.07%	26.89%	146.48%	25.21%	-1.20%	234.66%
DEP_Q Depr.
INT_Q Interest
PBT_Q Profit Before Tax	0.3	0.1	0	0.1	0.1	0.1	0.2	0.3	0.1	0.7	0.1	-0	0.5
TAX_Q Tax	0.1	0.1	0	0	0	0.2	0	0.1	0	0.1	-0	0.1	0
NP_Q Net Profit	0.2	0.1		0	0.1	-0.1	0.1	0.3	0.1	0.6	0.1	-0.1	0.5
EPS_adj_Q EPS Adj. latest	0	0		0	0	-0	0	0	0	0.1	0	-0	0.1
NP_TTM Net profit TTM	0.3	0.2	0.1	0.2	0.4	0.4	1.1	1.1	0.7	1.2	0.2	0.1	0.3
EPS_TTM Basic EPS TTM	0.1	0	0	0	0.1	0.1	0.2	0.2	0.1	0.2	0	0	0.1
results_pdf Results PDF

*All financials are in INR Cr and price data in INR

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CFSL competitor comparison and performance snapshot within industry

CFSL annual results: revenue, profit, P&L, and margins as of Mar 2026 – 11 year history

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NEGATIVE
Annual Revenue CFSL Mar-2026 Annual Revenue is Rs 1 Cr which is growth of -46.0% YoY.
NEGATIVE
Annual Net Profit CFSL Mar-2026 Annual Net Profit is Rs 0 Cr which is growth of -53.6% YoY.

CFSL Ltd., Annual, standalone, All financials are in INR Cr and price data in INR
Indicator	CAGR 3 Yrs	CAGR 5 Yrs	TTM	Mar '26	Mar '25	Mar '24	Mar '23	Mar '22	Mar '21	Mar '20	Mar '19	Mar '18	Mar '17	Mar '16
SR_A Total Rev. Ann. ⌄	2.7%	0%	1.6	1.3	2.4	2.7	1.2	2.2	1.3	1.1	3.7	2.8	7.1	6.4
TotalOperatingRevenues_A Operating Rev. Ann.	2.7%	0%	1.3	1.3	2.4	2.7	1.2	2.2	1.3	1.1	3.7	2.7	6.9	6.4
OI_A Other Income Ann.	-	-	0.3							0		0.1	0.2	0
OEXPNS_A Operating Exp. Ann.	-10.6%	0%	1	1	1.7	1.5	1.4	1.4	1	0.7	3.1	2.5	6.9	6.8
OEXPNS_A Operating Exp. Ann.	-10.6%	0%	1	1	1.7	1.5	1.4	1.4	1	0.7	3.1	2.5	6.9	6.8
OP_A Operating Profit Ann.	-	0%	0.3	0.3	0.7	1.3	-0.2	0.8	0.3	0.4	0.6	0.2		-0.4
OPMPCT_A OPM Ann. %	-	2.5%		24.63%	28.05%	47.08%	-16.93%	37.78%	21.73%	34.76%	15.88%	8.69%	-0.02%	-6.55%
TotalExpenses_A Total Exp. Ann. ⌄	-10.6%	0%		1	1.7	1.5	1.4	1.4	1	0.7	3.1	2.5	6.9	6.8
OtherExpenses_A Other Exp. Ann.	10.1%	0%	0.5	0.4	0.4	0.3	0.3	0.3	0.4	0.5	0.4	0.4	0.1	1.9
EmployeeBenefitExpenses_A Employee Exp. Ann.	14.5%	8.4%	0.3	0.3	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.1	0.1
CostOfPowerPurchased_A Cost Of Power Purchased Ann.	-	-
CostOfFuel_A Cost Of Fuel Ann.	-	-
EBIDT_A EBITDA Ann.	-	0%		0.3	0.7	1.3	-0.2	0.8	0.3	0.4	0.6	0.3	0.2	-0.4
EBIDTPCT_A EBITDA Ann. margin %	-	2.6%		24.65%	28.05%	47.08%	-16.93%	37.78%	21.73%	37.52%	15.88%	11.25%	2.08%	-6.29%
INT_A Interest Ann.	-	-
DEP_A Depr.	-	-	0
PBT_A PBT Ann.	-	0%	0.5	0.3	0.7	1.3	-0.2	0.8	0.3	0.4	0.6	0.8	0.2	-0.4
TAX_A Tax Ann.	26%	14.9%	0.2	0.2	0.3	0.1	0.1	0.1	0.1	0.1	0.2	0.1	0	0
PAT_A PAT Before ExtraOrdinary Items Ann. ⌄	-	0%		0.2	0.4	1.2	-0.3	0.7	0.2	0.3	0.4	0.8	0.1	-0.4
IncomeMinorityInterest_A Minority Interest Income Ann.	-	-		-	-	-	-	-	-	-	-	-	-	-
NP_A Net Profit Ann.	-	0%	0.3	0.2	0.4	1.2	-0.3	0.7	0.2	0.3	0.4	0.8	0.1	-0.4
NETPCT_A NPM Ann. %	-	-3.1%		13.34%	15.51%	42.37%	-24.58%	31.12%	15.64%	27.56%	11.61%	28.13%	1.58%	-6.73%
EPS_adj_A EPS Adj. latest Ann.	-	-		0	0.1	0.2	-0	0.1	0	0	0.1	0.1	0	-0.1
result_notes Result Notes											Notes	Notes	Notes
Annual_Reports Annual Reports

*All financials are in INR Cr and price data in INR

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Total Rev. Ann.

1Y CHG

-45.8%

2Y CAGR

-30.6%

3Y CAGR

2.7%

7Y CAGR

-13.9%

10Y CAGR

-14.7%

Total Revenue Annual is falling faster than historical averages.

Net Profit Ann.

1Y CHG

-50%

2Y CAGR

-59.2%

7Y CAGR

-9.4%

Net Profit Annual is falling faster than historical averages.

Operating Exp. Ann.

1Y CHG

-41.2%

2Y CAGR

-18.4%

3Y CAGR

-10.6%

7Y CAGR

-14.9%

10Y CAGR

-17.4%

Operating Expenses Annual Cr is falling faster than historical averages.

CFSL balance sheet as of Mar 2026: assets, liabilities, reserves, and borrowings – 11 year history

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POSITIVE
Total Shareholders Fund CFSL Mar-2026 Total Shareholders Fund is Rs 15 Cr which is growth of 1.2% YoY.
NEGATIVE
Total Assets CFSL Mar-2026 Total Assets is Rs 15 Cr which is growth of -0.1% YoY.

CFSL Ltd., Balance Sheet, standalone, All financials are in INR Cr and price data in INR
Indicator	CAGR 3 Yrs	CAGR 5 Yrs	Mar '26	Mar '25	Mar '24	Mar '23	Mar '22	Mar '21	Mar '20	Mar '19	Mar '18	Mar '17	Mar '16
TotalShareHoldersFunds_A Total ShareHolders Funds Ann. ⌄	4%	3%	15.3	15.1	14.7	13.6	13.9	13.2	13	12.7	12.3	11.5	11.4
EQCAP_A Equity Share Capital Ann.	0%	0%	13	13	13	13	13	13	13	13	13	13	13
TotalShareCapital_A Total Share Capital Ann.	0%	0%	13	13	13	13	13	13	13	13	13	13	13
ReservesAndSurplus_A Reserves Plus Surplus Ann.	63.9%	61.5%	2.2	2.1	1.7	0.5	0.8	0.2	-0.1	-0.4	-0.8	-1.5	-1.6
TotalReservesAndSurplus_A Total Reserves Plus Surplus Ann.	63.9%	61.5%	2.2	2.1	1.7	0.5	0.8	0.2	-0.1	-0.4	-0.8	-1.5	-1.6
LiabilityMinorityInterest_A Minority Interest Liability Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
TotalNonCurrentLiabilities_A Total Non Current Liabilities Ann. ⌄	0%	0%	0.1	0.3	0.2	0.1	0	0.1	0.1	0.1
DeferredTaxLiabilities_A Deferred Tax Liabilities Ann.	-	-
OtherLongTermLiabilities_A Other LongTerm Liabilities Ann.	-	-	0.1	0.3	0.1	0		0	0	0.1
CL_A Total Current Liabilities Ann. ⌄	-	-	0	0	0	0.1	0.1	0	0.1	0	0.2	0	0.4
TradePayables_A Trade Payables Ann.	-	-	0	0	0	0	0	0	0.1	0			0.4
OtherCurrentLiabilities_A Other Current Liabilities Ann.	-	-				0	0.1		0		0.1	0	0
ShortTermProvisions_A ST Provisions Ann.	-	-									0
TL_A Total Capital Plus Liabilities Ann.	4%	3%	15.4	15.4	14.9	13.7	14	13.3	13.2	12.8	12.4	11.5	11.8
FixedAssets_A Fixed Assets Ann. ⌄	-	-	0	0	0
TangibleAssets_A Tangible Assets Ann.	-	-	0	0	0
IntangibleAssets_A Intangible Assets Ann.	-	-
CapitalWorkInProgress_A Capital Work In Progress Ann.	-	-
TotalNonCurrentAssets_A Total Non Current Assets Ann. ⌄	-	-	0	0	0						0	2.1	4.8
NonCurrentInvestments_A Non Current Investments Ann.	-	-									0	2.1	4.8
DeferredTaxAssets_A Deferred Tax Assets Ann.	-	-
LongTermLoansAndAdvances_A LT Loans Plus Advances Ann.	-	-
OtherNonCurrentAssets_A Other Non Current Assets Ann.	-	-
CA_A Total Current Assets Ann. ⌄	4%	3%	15.4	15.4	14.9	13.7	14	13.3	13.2	12.8	12.4	9.5	7
CurrentInvestments_A Current Investments Ann.	-	-							0	0
TradeReceivables_A Trade Receivables Ann.	-	-									0.1	0.1	0
CashAndCashEquivalents_A Cash Plus Cash Equivalents Ann.	115.4%	58.5%	1	0.2	0.2	0.1	0.3	0.1	0.1	0	2	1.5	0.2
ShortTermLoansAndAdvances_A ST Loans Plus Advances Ann.	6.7%	3.3%	14.2	15	13.6	11.7	11.4	12.1	12.4	12.2	7.3	5.9	6.1
OtherCurrentAssets_A Other Current Assets Ann.	-	-								0.1	0	0.1	0
TA_A Total Assets Ann.	4%	3%	15.4	15.4	14.9	13.7	14	13.3	13.2	12.8	12.4	11.5	11.8
ContingentLiabilities_A Contingent Liabilities plus Commitments Ann.	-	-
BonusEquityShareCapital_A Bonus Equity Share Capital Ann.	-	-
NonCurrentInvestmentsUnquotedBookValue_A Non Current Investments Unquoted Book Value Ann.	-	-										2.1	4.8
CurrentInvestmentsUnquotedBookValue_A Current Investments Unquoted Book Value Ann.	-	-

*All financials are in INR Cr and price data in INR

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Total Assets Ann.

2Y CAGR

1.7%

3Y CAGR

5Y CAGR

7Y CAGR

2.7%

10Y CAGR

2.7%

Total Assets Annual is falling faster than historical averages.

Total ShareHolders Funds Ann.

1Y CHG

1.3%

2Y CAGR

3Y CAGR

5Y CAGR

7Y CAGR

2.7%

10Y CAGR

Total ShareHolders Funds Annual growth is lower than historical averages.

CFSL ROE, ROCE, book value, and debt-to-equity ratio as of Mar 2026 – 11 year history

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POSITIVE
Book Value Per Share CFSL Mar-2026 Book Value Per Share is 2 Rs which is growth of 1.2% YoY.
POSITIVE
ROE CFSL Mar-2026 ROE is 1% which is growth of 1.3% YoY.

CFSL Ltd., Ratios, standalone, All financials are in INR Cr and price data in INR
Indicator	CAGR 3 Yrs	CAGR 5 Yrs	Mar '26	Mar '25	Mar '24	Mar '23	Mar '22	Mar '21	Mar '20	Mar '19	Mar '18	Mar '17	Mar '16
BVSH_A BVSH Ann.	3.1%	2.8%	2.3	2.3	2.3	2.1	2.1	2	2	2	1.9	1.8	1.8
ROA_A RoA Ann. %	-	-6%	1.13%	2.43%	7.77%	-2.08%	4.80%	1.54%	2.22%	3.32%	6.08%	0.94%	-3.63%
ROE_A ROE Ann. %	-	-6%	1.14%	2.48%	7.86%	-2.10%	4.85%	1.55%	2.25%	3.36%	6.16%	0.95%	-3.77%
ROCE_A ROCE Ann. %	-	-0.7%	2.08%	4.41%	8.64%	-1.44%	5.88%	2.15%	3.13%	4.55%	2.53%	1.27%	-3.53%
ProfitabilityHeader Profitability Ratio ⌄
PBDITMargin_A EBITDA Ann. Margin %	-	2.6%	24.65%	28.04%	47.07%	-16.93%	37.77%	21.73%	38.57%	15.87%	11.55%	2.12%	-6.30%
PBITMargin_A EBIT Ann. Margin %	-	2.5%	24.62%	28.03%	47.06%	-16.93%	37.77%	21.73%	38.57%	15.87%	11.55%	2.12%	-6.30%
PBTMargin_A PBT Ann. Margin %	-	2.5%	24.62%	28.02%	47.06%	-16.93%	37.77%	21.73%	38.57%	15.87%	31.24%	2.12%	-6.30%
NETPCT_A NPM Ann. %	-	-3.1%	13.34%	15.51%	42.37%	-24.58%	31.12%	15.64%	27.56%	11.61%	28.13%	1.58%	-6.73%
ASETTO_A Asset Turnover Ann. %	0%	0%	0.1	0.2	0.2	0.1	0.2	0.1	0.1	0.3	0.2	0.6	0.5
LiquidityHeader Liquidity Ratio ⌄
CRATIO_A Current Ratio Ann.	36.8%	16.9%	648	357.5	801.1	253.1	118.6	296.8	100.7	1,320.4	83.6	290.7	16.6
QuickRatio_A Quick Ratio Ann.	43.3%	18.6%	640.3	354.3	739.2	217.8	99.1	273.1	96	1,267.7	63.3	230.8	15.2
DividendPayoutNP_A Dividend Payout to NP Ann.	-	-
EarningRetention_A Earning Retention Ann. %	-	-
CashEarningRetention_A Cash Earning Retention Ann. %	-	-
CashEarningRetention_A Cash Earning Retention Ann. %	-	-
ValuationHeader Valuation Ratio ⌄
EnterpriseValue_A EnterpriseValue Ann.	4.7%	-0.9%	10.8	13.3	9.9	9.4	17.2	11.3	5.8	7.1	5.5	6.7	38.8
EVPerNetSales_A EV Per Net Sales Ann.	0.4%	-0.9%	8.2	5.5	3.6	8.1	7.9	8.6	5.5	1.9	2	1	6.1
PBV_A Price To Book Value Adjusted	-3.8%	-2.8%	2.38	2.4	2.47	2.67	2.62	2.75	2.8	2.86	2.96	3.16	3.19
EVPerEBITDA_A EV Per EBITDA Ann.	-	-3.4%	33.4	19.5	7.7	-47.8	21	39.7	14.3	12.2	17.6	45.6	-96.3
MarketCapPerSales_A Market Cap Per Sales Ann.	3.6%	0.7%	9	5.6	3.7	8.1	8.1	8.7	5.6	2	2.8	1.2	6.1
RetentionRatios_A Retention Ratio Ann. %	-	-
EYield_A Earnings Yield Ann.	-	-	0	0	0.1	-0	0	0	0.1	0.1	0.1	0	-0
DEBT_CE_A Total Debt to Total Equity Ann.

*All financials are in INR Cr and price data in INR

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ROE Ann. %

1Y CHG

-54%

2Y CAGR

-61.9%

5Y CAGR

-6%

7Y CAGR

-14.3%

ROE Annual % is falling faster than historical averages.

RoA Ann. %

1Y CHG

-53.5%

2Y CAGR

-61.9%

5Y CAGR

-6%

7Y CAGR

-14.3%

RoA Annual % is falling faster than historical averages.

Current Ratio Ann.

1Y CHG

81.3%

2Y CAGR

-10.1%

3Y CAGR

36.8%

5Y CAGR

16.9%

7Y CAGR

-9.7%

10Y CAGR

44.3%

Current Ratio Annual growth is higher than historical averages.

CFSL cash flow: net, operating, investing, and financing flows as of Mar 2026 – 11 year history

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POSITIVE
Cash From Operating Activity CFSL Mar-2026 Cash From Operating Activity is Rs 1 Cr which is growth of 1612.1% YoY.
POSITIVE
Net Cash Flow CFSL Mar-2026 Net Cash Flow is Rs 1 Cr which is growth of 1612.1% YoY.

CFSL Ltd., Cash Flow, standalone, All financials are in INR Cr and price data in INR
Indicator	CAGR 3 Yrs	CAGR 5 Yrs	Mar '26	Mar '25	Mar '24	Mar '23	Mar '22	Mar '21	Mar '20	Mar '19	Mar '18	Mar '17	Mar '16
CFO_A Cash from Operating Act. Ann. ⌄	-	-	0.8	0.1	0.2	-0.2	0.1	0	0.1	-1.9	-1.5	-1.6	4.3
PBT_A PBT Ann.	-	0%	0.3	0.7	1.3	-0.2	0.8	0.3	0.4	0.6	0.8	0.2	-0.4
INT_A Interest Ann.	-	-
TAX_A Tax Ann.	26%	14.9%	0.2	0.3	0.1	0.1	0.1	0.1	0.1	0.2	0.1	0	0
CFI_A Cash from Investing Act. Ann.	-	-									2	2.8	-4.6
CFA_A Cash from Financing Act. Ann.	-	-
NCF_A Net Cash Flow Ann. ⌄	-	-	0.8	0.1	0.1	-0.2	0.1	0	0.1	-1.9	0.5	1.2	-0.4
CashAndCashEquivalentBeginOfYear_A Cash Plus Cash Eqv. Begin Of Year Ann.	-12.6%	14.9%	0.2	0.2	0.1	0.3	0.1	0.1	0	2	1.5	0.2	0.6
CashAndCashEquivalentEndOfYear_A Cash Plus Cash Eqv. End Of Year Ann.	115.4%	58.5%	1	0.2	0.2	0.1	0.3	0.1	0.1	0	2	1.5	0.2

*All financials are in INR Cr and price data in INR

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Cash from Operating Act. Ann.

1Y CHG

700%

2Y CAGR

100%

10Y CAGR

-15.5%

Cash from Operating Activity Annual growth is higher than historical averages.

CFSL investor presentations, annual reports, credit ratings, and earnings calls with AI summary, video, and audio access

Quarterly
Competitors/Peers
Annual
Balance Sheet
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Cash Flow
Documents

231.55% Gain from 52W Low

CFSL quarterly and annual financials: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

CFSL - Quarterly

CFSL quarterly results: revenue, profit, and P&L – 13 quarter history

Quarterly Revenue CFSL Jun-2026 Quarterly Revenue is Rs 1 Cr which is growth of 98.4% YoY.

Quarterly Net Profit CFSL Jun-2026 Quarterly Net Profit is Rs 0 Cr which is growth of 234.3% YoY.

CFSL - Competitors/Peers

CFSL competitor comparison and performance snapshot within industry

CFSL - Annual

CFSL annual results: revenue, profit, P&L, and margins as of Mar 2026 – 11 year history

Annual Revenue CFSL Mar-2026 Annual Revenue is Rs 1 Cr which is growth of -46.0% YoY.

Annual Net Profit CFSL Mar-2026 Annual Net Profit is Rs 0 Cr which is growth of -53.6% YoY.

CFSL - Balance Sheet

CFSL balance sheet as of Mar 2026: assets, liabilities, reserves, and borrowings – 11 year history

Total Shareholders Fund CFSL Mar-2026 Total Shareholders Fund is Rs 15 Cr which is growth of 1.2% YoY.

Total Assets CFSL Mar-2026 Total Assets is Rs 15 Cr which is growth of -0.1% YoY.

CFSL - Ratios

CFSL ROE, ROCE, book value, and debt-to-equity ratio as of Mar 2026 – 11 year history

Book Value Per Share CFSL Mar-2026 Book Value Per Share is 2 Rs which is growth of 1.2% YoY.

ROE CFSL Mar-2026 ROE is 1% which is growth of 1.3% YoY.

CFSL - Cash Flow

CFSL cash flow: net, operating, investing, and financing flows as of Mar 2026 – 11 year history

Cash From Operating Activity CFSL Mar-2026 Cash From Operating Activity is Rs 1 Cr which is growth of 1612.1% YoY.

Net Cash Flow CFSL Mar-2026 Net Cash Flow is Rs 1 Cr which is growth of 1612.1% YoY.

CFSL - Documents

CFSL investor presentations, annual reports, credit ratings, and earnings calls with AI summary, video, and audio access