Industrial & Prudential Investment Company Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Comfortable capital adequacy - CAR of 55.8%
- Solid return on assets for a lender - ROA of 4.0%
- Asset quality is healthy - gross NPA of just 0.0%
- Company has consistently been profitable over the last 5 years
- Company has been maintaining a healthy dividend payout of 31.6%
CONS
- Company has a low return on capital employed of 7.5%
- Company has a low return on equity of 7.5% over last 3 years
- Company's sales have been declining over the last five years
- Effective tax rate is unusually low at 0.2% - earnings may be flattered
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1046.00 | 32.08 | 651234.82 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1038.00 | 21.58 | 244239.69 | 1.04 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1849.10 | 27.46 | 157925.34 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.95 | 28.51 | 154067.52 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 231.15 | 73.86 | 152631.62 | 0.26 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| BAJAJHLDNG | 10971.00 | 13.79 | 122100.11 | 1.78 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2840.00 | 10.03 | 114017.05 | 1.06 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 400.00 | 26.68 | 109501.94 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 311.25 | 24.51 | 78010.22 | 0.88 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 666.00 | 27.86 | 63379.43 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 676.50 | 25.83 | 56201.25 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| INDPRUD | 6285.75 | 17.30 | 1053.39 | 1.91 | 10.92 | -92.06 | 2.74 | 3.83 | 7.72 | 400.99 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2 | 2 | 1 | 0 | 1 | 3 | 1 | 0 | 3 | 2 | 1 | 0 | 3 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Operating Profit | 2 | 1 | 1 | 0 | 1 | 4 | 1 | 0 | 3 | 2 | 1 | 0 | 11 |
| OPM % | 101.95% | 96.00% | 94.63% | 74.42% | 106.52% | 111.73% | 90.21% | 90.91% | 101.14% | 94.01% | 93.85% | 22.86% | 400.99% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 2 | 1 | 1 | 0 | 1 | 4 | 1 | 0 | 3 | 2 | 1 | 0 | 11 | |
| Tax % | 57.42% | -49.31% | 18.44% | 9.38% | 2.04% | 2.21% | 0.00% | -69.70% | 1.12% | 1.91% | 0.00% | 62.50% | 0.66% |
| Net Profit | 0 | 0 | 0 | 0 | 106 | 182 | 146 | 163 | 138 | 167 | 158 | 175 | 11 |
| 58 | 94 | 71 | 72 | 63 | 109 | 87 | 97 | 82 | 100 | 94 | 104 | 7 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 8 | 5 | 6 | 3 | 8 | 7 | 7 | 6 | 7 | 7 | 6 | |
| 1 | 1 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |
| Operating Profit | 7 | 5 | 5 | 0 | 7 | 6 | 6 | 5 | 6 | 6 | 5 |
| OPM % | 89.27% | 87.70% | 88.66% | 9.05% | 91.39% | 90.99% | 85.35% | 86.75% | 85.01% | 84.22% | 81.74% |
| 0 | 0 | 0 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | 7 | 5 | 5 | 5 | 27 | 38 | 46 | 50 | 60 | 64 | 14 |
| Tax % | 4.16% | 6.84% | 25.03% | 38.00% | 3.94% | 4.23% | 2.04% | 1.53% | -0.24% | 0.17% | 1.10% |
| Net Profit | 7 | 4 | 4 | 3 | 26 | 37 | 45 | 49 | 60 | 64 | 14 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 157.09 | 220.00 | 266.84 | 295.13 | 356.23 | 380.30 | — |
| Dividend Payout % | 20.76% | 21.87% | 23.06% | 17.85% | 15.91% | 22.73% | 22.49% | 30.49% | 30.88% | 31.55% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 0%
- 5 Years:
- -4%
- 3 Years:
- -3%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 12%
- 5 Years:
- 19%
- 3 Years:
- 13%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- —
RETURN ON EQUITY
- 10 Years:
- 5%
- 5 Years:
- 7%
- 3 Years:
- 7%
- Last Year:
- 8%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
| 183 | 197 | 329 | 321 | 512 | 617 | 618 | 768 | 803 | 848 | |
| 1 | 1 | 86 | 82 | 13 | 26 | 24 | 38 | 39 | 31 | |
| Total Liabilities | 186 | 199 | 417 | 405 | 527 | 645 | 644 | 807 | 843 | 881 |
| 183 | 197 | 411 | 400 | 521 | 637 | 632 | 794 | 827 | 876 | |
| Cash & Bank | 3 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 2 | 3 |
| 0 | 1 | 4 | 3 | 4 | 6 | 11 | 11 | 14 | 3 | |
| Total Assets | 186 | 199 | 417 | 405 | 527 | 645 | 644 | 807 | 843 | 881 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 5 | 6 | 5 | 9 | 9 | 6 | 14 | 14 | 12 | 23 | |
| Cash from Investing | 3 | -1 | 0 | -2 | 7 | 1 | -3 | -4 | 4 | -5 |
| Cash from Financing | -7 | -5 | -5 | -5 | -15 | -5 | -8 | -10 | -15 | -18 |
| 1 | -1 | 0 | 0 | -1 | 0 | -0 | -0 | 0 | -0 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
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News
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