Jindal Poly Investment and Finance 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
- Solid return on assets for a lender - ROA of 69.8%
- Company has a healthy return on capital (ROCE) of 29.4%
- Company has a good return on equity (ROE) track record: 3 Years ROE 26.9%
- Company has consistently been profitable over the last 5 years
- Operating margins have improved to 100.0% from 36.9%
CONS
- Effective tax rate is unusually low at 14.8% - earnings may be flattered
- Though reporting repeated profits, the company pays out little dividend (0.0%)
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJFINSV | 1917.30 | 30.28 | 307163.22 | 0.08 | 62966.70 | 1081.55 | 420369.00 | 1091.26 | 11.88 | 40.79 |
| AIIL | 546.65 | 22.13 | 46422.91 | 0.00 | 11082.20 | 1075.19 | 14695.40 | 1109.37 | 13.85 | 88.91 |
| CHOLAHLDNG | 1525.75 | 10.74 | 28650.15 | 0.09 | 1788.99 | 42.04 | 11113.57 | 42.92 | 10.52 | 57.53 |
| TVSHLTD | 13000.05 | 13.35 | 26301.84 | 0.66 | 1173.58 | 73.77 | 17076.18 | 40.01 | 19.39 | 16.25 |
| CGCL | 266.10 | 22.71 | 25602.92 | 0.08 | 353.38 | 102.04 | 1576.47 | 62.12 | 11.68 | 68.54 |
| MAHSCOOTER | 13002.55 | 53.35 | 14860.05 | 1.69 | 3.32 | -90.61 | 5.41 | -81.52 | 1.06 | 84.10 |
| JSWHL | 11435.95 | 92.40 | 12693.48 | 0.00 | 24.54 | -92.74 | 34.58 | 14.97 | 0.58 | 92.45 |
| JMFINANCIL | 124.75 | 11.48 | 11938.08 | 2.61 | 368.57 | -19.66 | 1200.53 | 9.69 | 11.91 | 58.30 |
| TSFINV | 437.25 | 19.95 | 9711.49 | 2.55 | 124.95 | -92.11 | 305.57 | 102.23 | 3.47 | 53.35 |
| RELIGARE | 256.95 | 161.25 | 8857.93 | 0.00 | -46.98 | -674.86 | 2353.40 | 1051.76 | 4.71 | -2.08 |
| KAMAHOLD | 2282.95 | 7.87 | 7326.12 | 1.82 | 584.02 | 10.80 | 4657.56 | 7.07 | 20.86 | 22.01 |
| JPOLYINVST | 988.70 | 1.29 | 1039.31 | 0.00 | 13.89 | -97.79 | 8.83 | 5.75 | 63.41 | 175.20 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 7 | 7 | 7 | 14 | 8 | 8 | 8 | 8 | 8 | 19 | 962 | 47 | 9 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Operating Profit | 7 | 7 | 7 | 14 | 8 | 8 | 8 | 8 | 8 | 19 | 962 | 47 | 15 |
| OPM % | 98.64% | 98.93% | 98.66% | 99.13% | 99.02% | 99.74% | 98.85% | 98.60% | 99.04% | 99.95% | 100.00% | 99.73% | 175.20% |
| 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 |
| 7 | 7 | 7 | 13 | 8 | 7 | 7 | 7 | 8 | 19 | 961 | 47 | 15 | |
| Tax % | 8.99% | 9.84% | 9.46% | 2.10% | 9.86% | 9.57% | 9.41% | -380.68% | 14.81% | 20.43% | 14.30% | 14.65% | 8.32% |
| Net Profit | 0 | 0 | 0 | 0 | 559 | 1,398 | 334 | 666 | 628 | 575 | 702 | 35 | 14 |
| 40 | 52 | 96 | 94 | 53 | 133 | 32 | 63 | 60 | 55 | 668 | 33 | 1 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1,495 | 244 | 1 | 1 | 1 | 2,464 | 3,106 | 36 | 32 | 1,037 | 1,037 | |
| 1,297 | 514 | 204 | 104 | 47 | 1,200 | 1,996 | 0 | 0 | 0 | 1 | |
| Operating Profit | 198 | -270 | -203 | -103 | -46 | 1,265 | 1,110 | 36 | 31 | 1,036 | 1,036 |
| OPM % | 13.25% | -110.60% | -21031.32% | -10667.80% | -4766.46% | 51.32% | 35.75% | 98.90% | 98.79% | 99.96% | 99.93% |
| 62 | -157 | -1 | 39 | 68 | 433 | 31 | 0 | 0 | 0 | 0 | |
| Interest | 738 | 206 | 41 | 46 | 53 | 109 | 114 | 1 | 1 | 1 | 1 |
| Depreciation | 174 | 34 | 0 | 0 | 0 | 225 | 280 | 0 | 0 | 0 | 0 |
| Profit before Tax | -651 | -667 | -244 | -110 | -31 | 1,537 | 751 | 298 | 270 | 1,007 | 1,042 |
| Tax % | 33.22% | 8.08% | -0.01% | -0.27% | -0.48% | 6.15% | 33.70% | 0.76% | -9.56% | 14.83% | 14.34% |
| Net Profit | -435 | -613 | -244 | -110 | -31 | 1,443 | 498 | 296 | 296 | 858 | 893 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | -15.22 | 756.66 | 267.40 | 281.18 | 281.44 | 815.76 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- 303%
- 3 Years:
- -31%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 45%
STOCK PRICE CAGR
- 10 Years:
- 28%
- 5 Years:
- 89%
- 3 Years:
- 29%
- 1 Year:
- 4%
RETURN ON EQUITY
- 10 Years:
- -896%
- 5 Years:
- 46%
- 3 Years:
- 27%
- Last Year:
- 55%
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 | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 11 |
| Minority Interest | 769 | 0 | -191 | -207 | -222 | 1,832 | 0 | 0 | 0 | 0 |
| 52 | -59 | -112 | -206 | -210 | 2,445 | 2,346 | 2,642 | 1,514 | 1,594 | |
| 5,425 | 0 | 460 | 472 | 726 | 1,930 | 27 | 27 | 27 | 23 | |
| Trade Payables | 629 | 0 | 0 | 0 | 0 | 548 | 0 | 0 | 0 | 0 |
| 249 | 690 | 326 | 373 | 200 | 592 | 38 | 42 | 17 | 161 | |
| Total Liabilities | 7,135 | 642 | 494 | 442 | 505 | 7,358 | 2,422 | 2,721 | 1,569 | 1,790 |
| 6,606 | 9 | 9 | 9 | 9 | 5,836 | 0 | 0 | 0 | 0 | |
| 94 | 403 | 421 | 384 | 446 | 55 | 2,422 | 2,721 | 1,568 | 1,790 | |
| 100 | 0 | 0 | 0 | 0 | 471 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Cash & Bank | 149 | 0 | 1 | 1 | 2 | 406 | 0 | 0 | 0 | 0 |
| 185 | 229 | 63 | 48 | 47 | 590 | 0 | 0 | 0 | 0 | |
| Total Assets | 7,135 | 642 | 494 | 442 | 505 | 7,358 | 2,422 | 2,721 | 1,569 | 1,790 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 761 | -1 | -0 | -2 | 0 | 711 | 1,093 | -1 | 1 | 6 | |
| Cash from Investing | 46 | 1 | 1 | 2 | -1 | -179 | 22 | 1 | 0 | -1 |
| Cash from Financing | -802 | -0 | 0 | 0 | 0 | -352 | -1,026 | -0 | -1 | -5 |
| 4 | -0 | 1 | -0 | -0 | 181 | 81 | 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
2026-08-29 - Jindal Poly Investment and Finance Company Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-27 - Jindal Poly Investment and Finance Company Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 21, 2026
2026-08-24 - Jindal Poly Investment and Finance Company Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-15 - Jindal Poly Investment and Finance Company Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-13 - Jindal Poly Investment and Finance Company Limited has informed the Exchange regarding 'Intimation of 14th Annual General Meeting'.
2026-08-13 - Jindal Poly Investment and Finance Company Limited has informed the Exchange that Record date for the purpose of Meeting is 14-Sep-2026.
2026-08-13 - Jindal Poly Investment and Finance Company Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-08-06 - Jindal Poly Investment and Finance Company Limited has informed the Exchange regarding Outcome of Board Meeting held on August 06, 2026.
2026-08-06 - Jindal Poly Investment and Finance Company Limited has informed the Exchange regarding Change in Director(s) of the company.
News
Recent coverage and analyst commentary for JPOLYINVST
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