SIL Investments 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
- Asset quality is healthy - gross NPA of just 0.0%
- Solid return on assets for a lender - ROA of 1.3%
- Latest quarter profit grew 150.8% YoY, showing strong momentum
- Company has consistently been profitable over the last 5 years
- Company has delivered good sales growth of 17.2% CAGR over last 5 years
CONS
- Company has a low return on capital employed of 1.8%
- Company has a low return on equity of 1.4% over last 3 years
- Operating margins have contracted to 83.0% from 98.1%
- Thin net interest margin of 0.0%
- Though reporting repeated profits, the company pays out little dividend (7.0%)
- Company's return on assets is weak at 1.2%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1034.20 | 31.71 | 643888.19 | 0.58 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1028.00 | 21.37 | 241893.03 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1845.00 | 27.40 | 157575.18 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.80 | 28.50 | 154003.85 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 230.00 | 73.49 | 151872.26 | 0.26 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| BAJAJHLDNG | 11120.70 | 13.97 | 123766.17 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2794.40 | 9.86 | 112186.35 | 1.07 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 398.60 | 26.59 | 109118.68 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 309.50 | 24.37 | 77571.61 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 656.05 | 27.44 | 62432.55 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 668.65 | 25.53 | 55549.10 | 0.60 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| SILINV | 470.00 | 9.94 | 498.01 | 0.53 | 20.54 | 150.79 | 23.55 | 87.35 | 1.79 | 90.66 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 3 | 21 | 21 | 6 | 7 | 25 | 22 | 1 | 13 | 29 | 27 | -6 | 24 | |
| 2 | 2 | 4 | 3 | 2 | 3 | 4 | 3 | 2 | 3 | 2 | 3 | 3 | |
| Operating Profit | 2 | 19 | 17 | 2 | 5 | 22 | 18 | -2 | 10 | 26 | 25 | -9 | 21 |
| OPM % | 52.49% | 91.18% | 81.78% | 39.57% | 69.93% | 88.36% | 80.54% | -332.76% | 80.27% | 91.13% | 91.29% | 158.33% | 90.66% |
| Other Income | 1 | 1 | 0 | 1 | 0 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 2 | 19 | 17 | 3 | 5 | 22 | 18 | -2 | 10 | 26 | 24 | -9 | 21 | |
| Tax % | 22.27% | 31.84% | 35.44% | 21.71% | 22.13% | 23.46% | 21.38% | -31.51% | 21.93% | 22.98% | 19.33% | -0.42% | 1.39% |
| Net Profit | 0 | 0 | 0 | 0 | 4 | 17 | 14 | -3 | 8 | 20 | 20 | -9 | 21 |
| 1 | 13 | 10 | 2 | 3 | 15 | 13 | -3 | 7 | 18 | 18 | -9 | 2 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 32 | 178 | 26 | 39 | 28 | 49 | 44 | 51 | 55 | 63 | 74 | |
| 4 | 5 | 5 | 5 | 6 | 7 | 7 | 11 | 12 | 11 | 11 | |
| Operating Profit | 29 | 174 | 21 | 34 | 22 | 42 | 37 | 40 | 43 | 52 | 63 |
| OPM % | 88.48% | 97.44% | 80.90% | 87.25% | 78.31% | 86.10% | 84.74% | 78.93% | 78.33% | 83.01% | 84.92% |
| 1 | 1 | 4 | 7 | 5 | 1 | 6 | 3 | 2 | 2 | 1 | |
| Interest | 6 | 4 | 0 | 0 | 0 | 1 | 4 | 0 | 0 | 0 | -0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 2 | 3 | 3 | 3 |
| Profit before Tax | 23 | 171 | 25 | 40 | 27 | 41 | 38 | 41 | 42 | 51 | 61 |
| Tax % | 14.58% | 20.45% | 17.63% | 11.37% | 23.10% | 18.72% | 23.79% | 27.48% | 25.30% | 25.32% | 17.81% |
| Net Profit | 19 | 136 | 20 | 36 | 21 | 33 | 29 | 30 | 31 | 38 | 51 |
| EPS | 0.00 | 0.00 | 0.00 | 33.22 | 19.15 | 31.16 | 26.50 | 27.76 | 29.19 | 35.69 | — |
| Dividend Payout % | 8.35% | 1.17% | 7.95% | 7.53% | 13.05% | 8.02% | 9.43% | 9.01% | 8.56% | 7.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 10%
- 5 Years:
- 17%
- 3 Years:
- 13%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 11%
- 5 Years:
- 13%
- 3 Years:
- 10%
STOCK PRICE CAGR
- 10 Years:
- 17%
- 5 Years:
- 11%
- 3 Years:
- 12%
- 1 Year:
- -21%
RETURN ON EQUITY
- 10 Years:
- 7%
- 5 Years:
- 1%
- 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 | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 11 | 11 |
| Minority Interest | 9 | 9 | 18 | 12 | 22 | 62 | 43 | 56 | 69 | 66 |
| 217 | 351 | 1,004 | 735 | 1,259 | 2,343 | 1,688 | 2,187 | 3,135 | 2,554 | |
| 72 | 0 | 0 | 0 | 0 | 49 | 46 | 0 | 0 | 0 | |
| 2 | 6 | 5 | 4 | 47 | 203 | 101 | 169 | 324 | 227 | |
| Total Liabilities | 311 | 377 | 1,037 | 761 | 1,339 | 2,668 | 1,889 | 2,423 | 3,539 | 2,857 |
| 16 | 16 | 16 | 0 | 0 | 82 | 81 | 97 | 98 | 97 | |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 0 | 0 | 0 |
| 143 | 228 | 943 | 646 | 1,195 | 2,430 | 1,716 | 2,245 | 3,345 | 2,675 | |
| Cash & Bank | 2 | 4 | 7 | 23 | 64 | 96 | 70 | 63 | 79 | 20 |
| 150 | 129 | 72 | 91 | 79 | 60 | 18 | 17 | 17 | 65 | |
| Total Assets | 311 | 377 | 1,037 | 761 | 1,339 | 2,668 | 1,889 | 2,423 | 3,539 | 2,857 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -8 | -42 | 74 | 28 | -11 | 39 | 107 | 16 | 10 | 48 | |
| Cash from Investing | 13 | 79 | -63 | -6 | 17 | -64 | -88 | 14 | -14 | -47 |
| Cash from Financing | -2 | -2 | -2 | -2 | -3 | 46 | -6 | -48 | -3 | -3 |
| 1 | 2 | 3 | 16 | -3 | 13 | 6 | -18 | -7 | -2 |
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
2026-08-14 - SIL Investments Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-13 - SIL Investments Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-08-02 - SIL Investments Limited has informed the Exchange regarding Cessation of Mr. Abhrajit Dutta as Non- Executive Independent Director of the company w.e.f. August 02, 2026.
2026-08-01 - SIL Investments Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on July 31, 2026. Further, the company has informed the Exchange regarding voting results.
2026-07-31 - SIL Investments Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on July 31, 2026
2026-07-28 - SIL Investments Limited has informed the Exchange about Copy of Newspaper Publication
2026-07-08 - SIL Investments Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
2026-07-08 - SIL Investments Limited has informed the Exchange about Notice of 92nd Annual General Meeting - Newspaper Publication
2026-07-07 - SIL Investments Limited has informed the Exchange about General Updates
News
Recent coverage and analyst commentary for SILINV
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