NDR INVIT Trust
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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 2.1%
- Latest quarter profit grew 1012.2% YoY, showing strong momentum
CONS
- Company has a low return on capital employed of 2.8%
- Company has a low return on equity of 2.3% over last 3 years
- Effective tax rate is unusually low at -0.6% - 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 | 1990.00 | 31.43 | 318810.21 | 0.08 | 6296.67 | 18.15 | 42036.90 | 92.22 | 11.88 | 40.79 |
| AIIL | 510.20 | 20.65 | 43327.49 | 0.00 | 11082.20 | 1075.19 | 14695.40 | 1109.37 | 30.27 | 88.91 |
| CHOLAHLDNG | 1487.10 | 10.46 | 27924.39 | 0.09 | 1788.99 | 42.04 | 11113.57 | 42.92 | 10.52 | 57.53 |
| TVSHLTD | 13055.20 | 13.41 | 26413.42 | 0.66 | 1173.58 | 73.77 | 17076.18 | 40.01 | 19.39 | 16.25 |
| CGCL | 256.20 | 21.86 | 24650.38 | 0.08 | 353.38 | 102.04 | 1576.47 | 62.12 | 11.68 | 68.54 |
| MAHSCOOTER | 13572.20 | 55.69 | 15511.08 | 1.62 | 3.32 | -90.61 | 5.41 | -81.52 | 1.06 | 84.10 |
| JSWHL | 11458.70 | 92.58 | 12718.73 | 0.00 | 24.54 | -92.74 | 34.58 | 14.97 | 0.58 | 92.45 |
| JMFINANCIL | 129.45 | 11.91 | 12387.85 | 2.51 | 368.57 | -19.66 | 1200.53 | 9.69 | 11.91 | 58.30 |
| TSFINV | 403.15 | 18.39 | 8954.12 | 2.77 | 124.95 | -92.11 | 305.57 | 102.23 | 3.47 | 53.35 |
| RELIGARE | 247.65 | 155.41 | 8537.33 | 0.00 | -46.98 | -674.86 | 2353.40 | 1051.76 | -1.28 | -2.08 |
| KAMAHOLD | 2341.45 | 8.07 | 7513.85 | 1.77 | 584.02 | 10.80 | 4657.56 | 7.07 | 20.86 | 22.01 |
| NDRINVIT | 143.00 | 0.00 | 0.00 | 0.00 | 360.07 | — | 1315.75 | 1159.45 | 5.47 | 89.96 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|
| 33 | 47 | 50 | 51 | 52 | 690 | |
| 0 | 0 | 29 | 0 | 0 | 367 | |
| Operating Profit | 33 | 47 | 50 | 50 | 52 | 686 |
| OPM % | 99.63% | 99.07% | 98.83% | 99.15% | 99.29% | 99.32% |
| Other Income | 0 | 9 | 6 | 3 | 1 | 70 |
| Interest | 0 | 28 | 28 | 29 | 28 | 362 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 |
| 33 | 28 | 28 | 25 | 24 | 393 | |
| Tax % | 0.36% | 5.63% | -3.83% | -0.16% | 0.00% | 6.23% |
| Net Profit | 33 | 27 | 29 | 25 | 24 | 368 |
| 1 | 0 | 0 | 1 | 0 | 0 | |
| Equity Capital | 0 | 0 | 0 | 0 | 0 | 0 |
| Reserves | 0 | 0 | 0 | 0 | 0 | 0 |
| Promoter Pledge % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|
| 27 | 145 | 214 | 843 | |
| 0 | 1 | 5 | 396 | |
| Operating Profit | 27 | 155 | 225 | — |
| OPM % | 100 | 107 | 105 | — |
| Other Income | 0 | 11 | 17 | 80 |
| Interest | 0 | 29 | 113 | 447 |
| Depreciation | 0 | 0 | 0 | 0 |
| 27 | 126 | 112 | 470 | |
| Tax % | 0 | 1 | -1 | 5 |
| Net Profit | 27 | 125 | 113 | 447 |
| EPS | 1 | 3 | 3 | — |
| Dividend Payout % | 0 | 209 | 0 | — |
| Minority Interest | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 |
| Adjusted EPS | 1 | 3 | 3 | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
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RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 2%
- Last Year:
- 3%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|
| LIABILITIES | - | - | - |
| Equity Capital | 3,818 | 3,691 | 3,656 |
| 27 | 72 | 39 | |
| Trade Payables | 0 | 0 | 3 |
| 18 | 1,470 | 2,019 | |
| Total Liabilities | 3,863 | 5,233 | 5,717 |
| ASSETS | - | - | - |
| 2,931 | 3,655 | 3,655 | |
| Cash & Bank | 51 | 31 | 400 |
| 882 | 1,547 | 1,662 | |
| Total Assets | 3,863 | 5,233 | 5,717 |
| Total Debt | 0 | 1,354 | 1,762 |
| Net Working Capital | 915 | 1,865 | 1,863 |
| Contingent Liabilities | 0 | 0 | 0 |
| Book Value per Share | 100.72 | 101.95 | 101.08 |
| Face Value | 100.00 | 100.00 | 100.00 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|
| 18 | -17 | -3 | |
| Cash from Investing | -3,785 | -1,261 | 395 |
| Cash from Financing | 3,818 | 1,230 | 5 |
| 51 | -48 | 397 | |
| Free Cash Flow | 18 | -17 | -3 |
| OCF / Net Profit | 0.65 | -0.13 | -0.02 |
| Cumulative 5-Year FCF | 0 | 0 | 0 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|
| PER SHARE | |||
| EPS (₹) | 0.72 | 3.37 | 3.08 |
| Book Value (₹) | 100.72 | 101.95 | 101.08 |
| Dividend per Share (₹) | 0.00 | 7.05 | 0.00 |
| Cash EPS (₹) | 0.72 | 3.37 | 3.08 |
| PROFITABILITY | |||
| Operating Margin % | 99.99% | 99.28% | 97.55% |
| Net Margin % | 100.00% | 86.06% | 52.67% |
| ROE % | 0.71% | 3.27% | 3.02% |
| ROCE % | 0.71% | 3.41% | 4.18% |
| 0.71% | 2.74% | 2.06% | |
| EFFICIENCY | |||
| Debtor Days | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 |
| 0 | 0 | 0 | |
| FINANCIAL HEALTH | |||
| Debt to Equity (x) | 0.00x | 0.36x | 0.48x |
| Interest Coverage (x) | 6864.50x | 5.40x | 1.99x |
| 52.51x | 369.24x | 11.77x | |
| GROWTH | |||
| Revenue Growth % | 0.00% | 427.15% | 47.83% |
| Operating Profit Growth % | 0.00% | 464.13% | 45.49% |
| Net Profit Growth % | 0.00% | 353.66% | -9.53% |
| 0.00% | 369.29% | -8.67% | |
| VALUATION | |||
| P/E (x) | 0.00x | 32.01x | 40.24x |
| P/B (x) | 0.00x | 1.06x | 1.23x |
| Dividend Yield % | 0.00% | 6.53% | 0.00% |
| 137.21x | 34.27x | 26.16x |
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
No announcements filed.
News
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NDR INVIT Trust
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