Naga Dhunseri Group Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2026 • Tea: 101.7% • Treasury: -1.7%
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
- Asset quality is healthy - gross NPA of just 0.0%
- Company has delivered good sales growth of 130.4% CAGR over last 5 years
- Company has a consistent dividend-paying track record
- Company generates healthy free cash flow
CONS
- Company is loss-making at the operating / net level
- Recent results are weak - TTM profit is down 74.2% versus prior year
- Company has a low return on capital employed of 1.8%
- Company has a low return on equity of 0.8% over last 3 years
- Operating margins have contracted to -4.1% from 85.0%
- Recurring exceptional / one-off items are inflating headline profit
* 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 |
| NDGL | 2692.20 | 0.00 | 269.22 | 0.09 | 38.41 | -88.66 | 94.48 | -20.42 | 0.56 | 60.92 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 5 | 9 | 12 | 3 | 9 | 4 | 2 | 56 | 119 | 169 | 138 | 37 | 94 | |
| 0 | 0 | 0 | 1 | 0 | 0 | 0 | 51 | 91 | 142 | 144 | 105 | 76 | |
| Operating Profit | 5 | 8 | 12 | 3 | 8 | 3 | 2 | 4 | 28 | 30 | -6 | -59 | 58 |
| OPM % | 92.67% | 96.19% | 96.64% | 84.71% | 96.11% | 91.90% | 123.73% | 8.06% | 23.68% | 18.00% | -4.32% | -156.68% | 60.92% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 0 | 3 | 36 | 1 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 4 | 6 | 4 | 6 | 5 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 5 | 5 | 5 | 4 | 5 |
| 4 | 8 | 11 | 3 | 8 | 3 | 2 | 1 | 20 | 17 | -12 | -37 | 48 | |
| Tax % | 7.89% | 15.59% | 13.41% | -8.24% | 11.15% | 99.67% | 73.89% | 104.65% | 13.44% | -5.15% | 12.69% | -5.68% | 20.47% |
| Net Profit | 0 | 0 | 0 | 0 | 173 | 115 | 110 | -126 | 339 | 73 | -11 | -41 | 38 |
| 90 | 167 | 84 | -3 | 173 | 115 | 110 | -126 | 274 | -20 | -79 | -268 | 36 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 44 | 79 | 2 | 2 | 7 | 6 | 11 | 29 | 70 | 463 | 438 | |
| 31 | 64 | 2 | 3 | 2 | 1 | 2 | 2 | 53 | 482 | 467 | |
| Operating Profit | 13 | 15 | 0 | -1 | 5 | 5 | 9 | 27 | 18 | -19 | -29 |
| OPM % | 29.67% | 18.63% | 5.54% | -33.31% | 76.86% | 79.46% | 84.96% | 93.44% | 24.90% | -4.06% | -6.51% |
| 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 47 | 46 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 21 | 21 |
| Depreciation | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 1 | 2 | 19 | 19 |
| Profit before Tax | 13 | 15 | 0 | -6 | 5 | 73 | 72 | 26 | 14 | -12 | 16 |
| Tax % | 19.04% | 20.27% | 138.78% | 16.01% | 26.28% | 0.23% | 1.62% | 11.09% | 45.80% | -19.88% | 58.23% |
| Net Profit | 11 | 12 | -0 | -5 | 3 | 73 | 70 | 23 | 8 | -14 | 7 |
| EPS | 0.00 | 0.00 | 0.00 | -54.40 | 571.45 | 730.32 | 704.20 | 338.42 | 344.94 | -93.33 | — |
| Dividend Payout % | 0.29% | 0.81% | 2.77% | -2.30% | 0.44% | 0.34% | 0.36% | 0.74% | 0.72% | -2.68% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 38%
- 5 Years:
- 130%
- 3 Years:
- 248%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- 18%
- 5 Years:
- 14%
- 3 Years:
- 14%
- 1 Year:
- -29%
RETURN ON EQUITY
- 10 Years:
- 4%
- 5 Years:
- 5%
- 3 Years:
- 1%
- Last Year:
- -1%
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 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 82 | 81 |
| 231 | 271 | 409 | 364 | 490 | 640 | 712 | 865 | 1,280 | 1,293 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 258 | 250 | |
| Trade Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 39 | 46 |
| 5 | 8 | 5 | 4 | 7 | 12 | 11 | 19 | 160 | 155 | |
| Total Liabilities | 237 | 280 | 414 | 369 | 498 | 652 | 723 | 885 | 1,820 | 1,825 |
| 1 | 1 | 1 | 5 | 5 | 5 | 5 | 5 | 726 | 702 | |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 79 | 98 |
| 215 | 239 | 402 | 341 | 473 | 629 | 704 | 861 | 850 | 831 | |
| 11 | 19 | 0 | 0 | 0 | 0 | 0 | 0 | 62 | 53 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 23 | 20 | |
| Cash & Bank | 1 | 4 | 1 | 9 | 1 | 3 | 1 | 5 | 21 | 44 |
| 10 | 16 | 11 | 13 | 19 | 15 | 14 | 14 | 57 | 77 | |
| Total Assets | 237 | 280 | 414 | 369 | 498 | 652 | 723 | 885 | 1,820 | 1,825 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | -4 | 1 | 6 | -6 | 4 | -1 | 4 | -9 | 47 | |
| Cash from Investing | 1 | 10 | -4 | 3 | -1 | -0 | -0 | 0 | -6 | -9 |
| Cash from Financing | -2 | 1 | -0 | -0 | -0 | -1 | -1 | -1 | 5 | -17 |
| 1 | 3 | -4 | 9 | -8 | 2 | -2 | 4 | -10 | 22 |
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
2026-08-21 - Naga Dhunseri Group Limited has submitted the Exchange a copy Srutinizers report of 108th Annual General Meeting held on August 20, 2026. Further, the company has informed the Exchange regarding voting results.
2026-08-20 - Naga Dhunseri Group Limited has informed the Exchange regarding Proceedings of 108th Annual General Meeting held on August 20, 2026
2026-08-14 - Naga Dhunseri Group Limited has submitted to the Exchange, the Un-Audited Financial Results for the quarter ended Jun 30, 2026.
2026-07-30 - Naga Dhunseri Group Limited has informed the Exchange about General Updates
2026-07-29 - Naga Dhunseri Group Limited has informed the Exchange about Copy of Newspaper Publication
2026-07-28 - Naga Dhunseri Group Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on August 20, 2026
2026-07-22 - Naga Dhunseri Group Limited has informed the Exchange about Copy of Newspaper Publication
2026-07-09 - Naga Dhunseri Group Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
2026-06-30 - Chandra Kumar Dhanuka has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of India (Substantial Acquisition of Shares and Takeovers) Regulations, 2011.
News
Recent coverage and analyst commentary for NDGL
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