Nalwa Sons Investments Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2025 • Investments & Finance: 86.5% • Trading of Goods: 13.5%
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 31.3%
- Asset quality is healthy - gross NPA of just 0.0%
- Company has consistently been profitable over the last 5 years
- Company has delivered good sales growth of 16.3% CAGR over last 5 years
- Company generates healthy free cash flow
CONS
- Net NPA is elevated at 6.8% - provisioning cushion is thin
- Company has a low return on capital employed of 0.9%
- Company has a low return on equity of 0.7% over last 3 years
- Operating margins have contracted to 51.0% from 86.4%
- Thin net interest margin of 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 | 6296.67 | 18.15 | 42036.90 | 92.22 | 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 |
| NSIL | 5508.20 | 51.08 | 2829.10 | 0.00 | 26.69 | 3.51 | 34.38 | -7.31 | 0.44 | 98.50 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 25 | 27 | 26 | 11 | 40 | 60 | 14 | 12 | 37 | 25 | 12 | 27 | 34 | |
| 1 | 1 | 5 | 6 | 1 | 15 | 2 | 43 | 4 | 3 | 0 | 17 | 1 | |
| Operating Profit | 24 | 26 | 20 | 5 | 39 | 44 | 11 | -31 | 33 | 21 | 12 | 10 | 34 |
| OPM % | 94.76% | 95.91% | 79.42% | 43.22% | 97.73% | 74.44% | 84.13% | -250.37% | 88.35% | 86.53% | 96.40% | 36.30% | 98.50% |
| 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 |
| 24 | 26 | 20 | 5 | 39 | 44 | 11 | -31 | 33 | 21 | 12 | 10 | 34 | |
| Tax % | 31.24% | 21.20% | 16.64% | 63.45% | 24.78% | 23.22% | 25.97% | 12.57% | 21.37% | 23.25% | 32.35% | 39.18% | 21.14% |
| Net Profit | 0 | 0 | 0 | 0 | 29 | 35 | 8 | -26 | 26 | 18 | 8 | 6 | 27 |
| 32 | 40 | 34 | 3 | 57 | 68 | 16 | -51 | 50 | 35 | 15 | 11 | 5 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 29 | 34 | 36 | 49 | 59 | 65 | 93 | 134 | 88 | 125 | 98 | |
| 6 | 12 | 26 | 18 | 50 | 21 | 17 | 8 | 14 | 61 | 22 | |
| Operating Profit | 24 | 22 | 10 | 31 | 9 | 44 | 76 | 125 | 75 | 64 | 77 |
| OPM % | 80.00% | 64.75% | 28.84% | 63.11% | 15.69% | 67.13% | 81.76% | 93.77% | 84.28% | 50.99% | 77.84% |
| 1 | 0 | 0 | 61 | 0 | 4 | 4 | 0 | 0 | 0 | 0 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | 24 | 22 | 11 | 92 | 9 | 48 | 80 | 124 | 76 | 65 | 76 |
| Tax % | 22.87% | 18.45% | 19.31% | 7.39% | -109.11% | 9.35% | 17.54% | 25.54% | 25.48% | 29.25% | 25.72% |
| Net Profit | 19 | 18 | 8 | 85 | 20 | 43 | 66 | 93 | 56 | 46 | 57 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 84.00 | 128.24 | 180.26 | 109.56 | 90.95 | — |
| 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:
- 15%
- 5 Years:
- 16%
- 3 Years:
- 10%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 14%
- 5 Years:
- 19%
- 3 Years:
- -11%
STOCK PRICE CAGR
- 10 Years:
- 22%
- 5 Years:
- 27%
- 3 Years:
- 30%
- 1 Year:
- -23%
RETURN ON EQUITY
- 10 Years:
- 2%
- 5 Years:
- 1%
- 3 Years:
- 1%
- Last Year:
- 0%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 |
| Minority Interest | 32 | 31 | 28 | 27 | 26 | 28 | 31 | 36 | 48 | 41 |
| 334 | 354 | 365 | 3,615 | 3,182 | 5,101 | 7,934 | 7,988 | 12,600 | 16,678 | |
| 33 | 32 | 33 | 1 | 2 | 0 | 0 | 0 | 0 | 0 | |
| Trade Payables | 10 | 9 | 9 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| -5 | -6 | -7 | 275 | 182 | 635 | 1,446 | 1,413 | 1,903 | 2,222 | |
| Total Liabilities | 408 | 426 | 433 | 3,923 | 3,397 | 5,769 | 9,417 | 9,442 | 14,556 | 18,947 |
| 197 | 232 | 235 | 3,704 | 3,141 | 5,492 | 9,079 | 9,081 | 14,148 | 18,507 | |
| 6 | 4 | 2 | 30 | 31 | 34 | 30 | 35 | 34 | 34 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | |
| Cash & Bank | 3 | 1 | 11 | 1 | 10 | 14 | 15 | 19 | 37 | 38 |
| 203 | 189 | 186 | 188 | 214 | 229 | 293 | 307 | 336 | 367 | |
| Total Assets | 408 | 426 | 433 | 3,923 | 3,397 | 5,769 | 9,417 | 9,442 | 14,556 | 18,947 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -5 | 29 | 26 | -35 | -5 | 52 | 52 | 101 | 41 | 62 | |
| Cash from Investing | -19 | -26 | -13 | -1 | -20 | -48 | -41 | -68 | -30 | -75 |
| Cash from Financing | 2 | -1 | 0 | -0 | 0 | -2 | 0 | -1 | -0 | -0 |
| 1 | -2 | 10 | -10 | -0 | 0 | 1 | 4 | 11 | -14 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-07 - Letter to Shareholders pursuant to Regulation 36(1)(b) of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 ( SEBI Listing Regulations )
2026-09-05 - Business Responsibility and Sustainability Report for the Financial Year 2025-26
2026-09-05 - Annual Report for the Financial Year 2025-26 including Notice of the 55th Annual General Meeting Pursuant to Regulation 30 & 34 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015( SEBI Listing Regulations ).
2026-09-05 - Annual Report for the Financial Year 2025-26 including Notice of the 55th Annual General Meeting Pursuant to Regulation 30 & 34 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015( SEBI Listing Regulations ).
2026-08-07 - Nalwa Sons Investments Limited has informed the Exchange about change in Management
2026-08-07 - Nalwa Sons Investments Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-07-22 - Compliance Certificate- Regulation 74(5) of SEBI (Depository and Participants)Regulations, 2018.
2026-06-25 - Intimation of closure of Trading Window
2026-06-25 - Nalwa Sons Investments Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
News
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