Saraswati Commercial (India) Ltd.
•₹ 12,4330.14%
2026-08-21
PROS
- Comfortable capital adequacy - CAR of 81.8%
- Solid return on assets for a lender - ROA of 5.7%
- Asset quality is healthy - gross NPA of just 0.0%
- Latest quarter profit grew 169.5% YoY, showing strong momentum
- Company has delivered good sales growth of 59.4% CAGR over last 5 years
- Operating margins have improved to 93.4% from 67.6%
CONS
- Company has a low return on equity of 9.1% over last 3 years
- Company has a low return on capital employed of 11.5%
- Thin net interest margin of 0.0%
- 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
EDIT COLUMNS| S.No. | Name | CMP Rs. | P/E | Mar Cap Rs.Cr. | Div Yld % | NP Qtr Rs.Cr. | Qtr Profit Var % | Sales Qtr Rs.Cr. | Qtr Sales Var % | ROCE % | OPM % |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | BAJFINANCE | 1078.60 | 33.07 | 671531.43 | 0.56 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| 2. | SHRIRAMFIN | 1104.90 | 22.97 | 259981.15 | 0.98 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| 3. | JIOFIN | 242.70 | 77.55 | 160258.25 | 0.25 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| 4. | CHOLAFIN | 1866.25 | 27.72 | 159390.07 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| 5. | TATACAP | 365.15 | 28.68 | 155001.39 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| 6. | BAJAJHLDNG | 11322.85 | 14.23 | 126015.97 | 1.72 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| 7. | MUTHOOTFIN | 2859.20 | 10.09 | 114787.87 | 1.05 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| 8. | ABCAPITAL | 396.75 | 26.46 | 108592.29 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| 9. | LTF | 315.00 | 24.80 | 78940.44 | 0.87 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| 10. | SBICARD | 626.30 | 0.00 | 59601.37 | 0.40 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| 11. | HDBFS | 681.15 | 26.00 | 56579.31 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| 12. | ZSARACOM | 12500.00 | 10.36 | 1369.91 | 0.00 | 63.56 | 169.54 | 75.58 | 140.18 | 8.25 | 98.37 |
Detailed Comparison with:
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 30 | 29 | 40 | 30 | 68 | 78 | -45 | -26 | 31 | 73 | 33 | -16 | 76 | |
| 1 | 1 | 1 | 1 | 1 | 2 | 1 | 1 | 2 | 1 | 1 | 2 | 1 | |
| Operating Profit | — | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 1 | 0 | 1 | 1 | 1 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 28 | 28 | 39 | 29 | 67 | 77 | -46 | -28 | 29 | 72 | 30 | -19 | 74 | |
| Tax % | 13.92% | 13.89% | 14.37% | 21.65% | 21.51% | 17.28% | 14.85% | 18.91% | 19.16% | 15.99% | 17.64% | 12.59% | 14.51% |
| Net Profit | 0 | 0 | 0 | 0 | 52 | 63 | -39 | -23 | 24 | 60 | 25 | -16 | 64 |
| 237 | 231 | 323 | 217 | 509 | 615 | -383 | -222 | 259 | 615 | 233 | -149 | 58 | |
| Equity Capital | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Reserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Promoter Pledge % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Equity Capital | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Reserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Promoter Pledge % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Jun 2023
- 30
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 28
- Tax %
- 13.92%
- Net Profit
- 0
- 237
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Sep 2023
- 29
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 28
- Tax %
- 13.89%
- Net Profit
- 0
- 231
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Dec 2023
- 40
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 39
- Tax %
- 14.37%
- Net Profit
- 0
- 323
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Mar 2024
- 30
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 1
- Depreciation
- 0
- 29
- Tax %
- 21.65%
- Net Profit
- 0
- 217
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2024
- 68
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 67
- Tax %
- 21.51%
- Net Profit
- 52
- 509
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Sep 2024
- 78
- 2
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 77
- Tax %
- 17.28%
- Net Profit
- 63
- 615
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Dec 2024
- -45
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 1
- Depreciation
- 0
- -46
- Tax %
- 14.85%
- Net Profit
- -39
- -383
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Mar 2025
- -26
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 1
- Depreciation
- 0
- -28
- Tax %
- 18.91%
- Net Profit
- -23
- -222
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2025
- 31
- 2
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 29
- Tax %
- 19.16%
- Net Profit
- 24
- 259
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Sep 2025
- 73
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 1
- Depreciation
- 0
- 72
- Tax %
- 15.99%
- Net Profit
- 60
- 615
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Dec 2025
- 33
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 1
- Depreciation
- 0
- 30
- Tax %
- 17.64%
- Net Profit
- 25
- 233
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Mar 2026
- -16
- 2
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 1
- Depreciation
- 0
- -19
- Tax %
- 12.59%
- Net Profit
- -16
- -149
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2026
- 76
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 74
- Tax %
- 14.51%
- Net Profit
- 64
- 58
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 1
- Reserves
- 0
- Promoter Pledge %
- 0.00%
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 83 | 37 | 85 | 17 | 7 | 52 | 125 | 44 | 128 | 75 | 165 | |
| 75 | 34 | 71 | 16 | 20 | 26 | 41 | 23 | 3 | 5 | 5 | |
| Operating Profit | 18 | 8 | 14 | 1 | -13 | 26 | 85 | 21 | 125 | 70 | — |
| OPM % | 22 | 21 | 16 | 5 | -174 | 51 | 68 | 47 | 98 | 93 | — |
| Other Income | 10 | 4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 4 | 3 | 0 | 0 | 0 | 2 | 1 | 2 | 2 | 2 | 2 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 14 | 5 | 14 | 1 | -13 | 25 | 84 | 19 | 123 | 69 | 158 | |
| Tax % | 0 | -2 | -17 | 52 | 26 | 14 | 22 | 39 | 16 | 22 | 16 |
| Net Profit | 14 | 5 | 16 | 0 | -10 | 21 | 65 | 12 | 104 | 53 | 132 |
| EPS | 0 | 0 | 0 | 0 | -96 | 213 | 632 | 113 | 1,009 | 487 | — |
| Dividend Payout % | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | — |
| Minority Interest | 0 | 0 | 0 | -0 | 0 | 0 | -0 | -0 | 0 | -0 | -1 |
| Share of Associates | -0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 216 | 82 | 159 | 4 | -96 | 213 | 630 | 113 | 1,009 | 487 | — |
| Minority Interest | 0 | 0 | 0 | -0 | 0 | 0 | -0 | -0 | 0 | -0 | -1 |
| Share of Associates | -0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 216 | 82 | 159 | 4 | -96 | 213 | 630 | 113 | 1,009 | 487 | — |
Mar 2016
- 83
- 75
- Operating Profit
- 18
- OPM %
- 22
- Other Income
- 10
- Interest
- 4
- Depreciation
- 0
- 14
- Tax %
- 0
- Net Profit
- 14
- EPS
- 0
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- -0
- Adjusted EPS
- 216
- Minority Interest
- 0
- Share of Associates
- -0
- Adjusted EPS
- 216
Mar 2017
- 37
- 34
- Operating Profit
- 8
- OPM %
- 21
- Other Income
- 4
- Interest
- 3
- Depreciation
- 0
- 5
- Tax %
- -2
- Net Profit
- 5
- EPS
- 0
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 82
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 82
Mar 2018
- 85
- 71
- Operating Profit
- 14
- OPM %
- 16
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 14
- Tax %
- -17
- Net Profit
- 16
- EPS
- 0
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 159
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 159
Mar 2019
- 17
- 16
- Operating Profit
- 1
- OPM %
- 5
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 1
- Tax %
- 52
- Net Profit
- 0
- EPS
- 0
- Dividend Payout %
- 0
- Minority Interest
- -0
- Share of Associates
- 0
- Adjusted EPS
- 4
- Minority Interest
- -0
- Share of Associates
- 0
- Adjusted EPS
- 4
Mar 2020
- 7
- 20
- Operating Profit
- -13
- OPM %
- -174
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- -13
- Tax %
- 26
- Net Profit
- -10
- EPS
- -96
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- -96
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- -96
Mar 2021
- 52
- 26
- Operating Profit
- 26
- OPM %
- 51
- Other Income
- 0
- Interest
- 2
- Depreciation
- 0
- 25
- Tax %
- 14
- Net Profit
- 21
- EPS
- 213
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 213
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 213
Mar 2022
- 125
- 41
- Operating Profit
- 85
- OPM %
- 68
- Other Income
- 0
- Interest
- 1
- Depreciation
- 0
- 84
- Tax %
- 22
- Net Profit
- 65
- EPS
- 632
- Dividend Payout %
- 0
- Minority Interest
- -0
- Share of Associates
- 0
- Adjusted EPS
- 630
- Minority Interest
- -0
- Share of Associates
- 0
- Adjusted EPS
- 630
Mar 2023
- 44
- 23
- Operating Profit
- 21
- OPM %
- 47
- Other Income
- 0
- Interest
- 2
- Depreciation
- 0
- 19
- Tax %
- 39
- Net Profit
- 12
- EPS
- 113
- Dividend Payout %
- 0
- Minority Interest
- -0
- Share of Associates
- 0
- Adjusted EPS
- 113
- Minority Interest
- -0
- Share of Associates
- 0
- Adjusted EPS
- 113
Mar 2024
- 128
- 3
- Operating Profit
- 125
- OPM %
- 98
- Other Income
- 0
- Interest
- 2
- Depreciation
- 0
- 123
- Tax %
- 16
- Net Profit
- 104
- EPS
- 1,009
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 1,009
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 1,009
Mar 2025
- 75
- 5
- Operating Profit
- 70
- OPM %
- 93
- Other Income
- 0
- Interest
- 2
- Depreciation
- 0
- 69
- Tax %
- 22
- Net Profit
- 53
- EPS
- 487
- Dividend Payout %
- 0
- Minority Interest
- -0
- Share of Associates
- 0
- Adjusted EPS
- 487
- Minority Interest
- -0
- Share of Associates
- 0
- Adjusted EPS
- 487
TTM
- 165
- 5
- Operating Profit
- —
- OPM %
- —
- Other Income
- 0
- Interest
- 2
- Depreciation
- 0
- 158
- Tax %
- 16
- Net Profit
- 132
- EPS
- —
- Dividend Payout %
- —
- Minority Interest
- -1
- Share of Associates
- 0
- Adjusted EPS
- —
- Minority Interest
- -1
- Share of Associates
- 0
- Adjusted EPS
- —
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- 59%
- 3 Years:
- -16%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- -6%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- —
RETURN ON EQUITY
- 10 Years:
- 11%
- 5 Years:
- 11%
- 3 Years:
- 9%
- Last Year:
- 6%
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - | - |
| Equity Capital | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 35 | 115 | 128 | 244 | 156 | 278 | 426 | 437 | 696 | 966 | |
| 42 | 8 | 32 | 1 | 10 | 5 | 28 | 22 | 0 | 43 | |
| Trade Payables | 0 | 8 | 0 | 0 | 0 | 1 | 0 | 0 | 13 | 0 |
| 6 | 2 | 2 | 9 | -3 | 16 | 43 | 30 | 73 | 114 | |
| Total Liabilities | 84 | 134 | 163 | 254 | 164 | 300 | 498 | 491 | 783 | 1,125 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 51 | 97 | 119 | 238 | 137 | 292 | 474 | 489 | 762 | 1,084 | |
| 19 | 1 | 7 | 8 | 14 | 4 | 10 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | |
| Cash & Bank | 0 | 2 | 0 | 0 | 8 | 0 | 2 | 0 | 3 | 23 |
| 14 | 34 | 36 | 8 | 6 | 4 | 13 | 1 | 17 | 18 | |
| Total Assets | 84 | 134 | 163 | 254 | 164 | 300 | 498 | 491 | 783 | 1,125 |
| Total Debt | 42 | 8 | 32 | 1 | 10 | 5 | 28 | 22 | 0 | 43 |
| Net Working Capital | 9 | 18 | 36 | 14 | 14 | 0 | 46 | 19 | 283 | 436 |
| Contingent Liabilities | 0 | 10 | 8 | 1 | 4 | 2 | 5 | 2 | 2 | 2 |
| Book Value per Share | 549.32 | 1807.47 | 1290.11 | 2444.29 | 1566.98 | 2789.14 | 4142.89 | 4253.97 | 6769.45 | 8828.93 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Total Debt | 42 | 8 | 32 | 1 | 10 | 5 | 28 | 22 | 0 | 43 |
| Net Working Capital | 9 | 18 | 36 | 14 | 14 | 0 | 46 | 19 | 283 | 436 |
| Contingent Liabilities | 0 | 10 | 8 | 1 | 4 | 2 | 5 | 2 | 2 | 2 |
| Book Value per Share | 549.32 | 1807.47 | 1290.11 | 2444.29 | 1566.98 | 2789.14 | 4142.89 | 4253.97 | 6769.45 | 8828.93 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
Mar 2016
- Equity Capital
- 1
- 35
- 42
- Trade Payables
- 0
- 6
- Total Liabilities
- 84
- 0
- 51
- 19
- 0
- Cash & Bank
- 0
- 14
- Total Assets
- 84
- Total Debt
- 42
- Net Working Capital
- 9
- Contingent Liabilities
- 0
- Book Value per Share
- 549.32
- Face Value
- 10.00
- Total Debt
- 42
- Net Working Capital
- 9
- Contingent Liabilities
- 0
- Book Value per Share
- 549.32
- Face Value
- 10.00
Mar 2017
- Equity Capital
- 1
- 115
- 8
- Trade Payables
- 8
- 2
- Total Liabilities
- 134
- 0
- 97
- 1
- 0
- Cash & Bank
- 2
- 34
- Total Assets
- 134
- Total Debt
- 8
- Net Working Capital
- 18
- Contingent Liabilities
- 10
- Book Value per Share
- 1807.47
- Face Value
- 10.00
- Total Debt
- 8
- Net Working Capital
- 18
- Contingent Liabilities
- 10
- Book Value per Share
- 1807.47
- Face Value
- 10.00
Mar 2018
- Equity Capital
- 1
- 128
- 32
- Trade Payables
- 0
- 2
- Total Liabilities
- 163
- 0
- 119
- 7
- 0
- Cash & Bank
- 0
- 36
- Total Assets
- 163
- Total Debt
- 32
- Net Working Capital
- 36
- Contingent Liabilities
- 8
- Book Value per Share
- 1290.11
- Face Value
- 10.00
- Total Debt
- 32
- Net Working Capital
- 36
- Contingent Liabilities
- 8
- Book Value per Share
- 1290.11
- Face Value
- 10.00
Mar 2019
- Equity Capital
- 1
- 244
- 1
- Trade Payables
- 0
- 9
- Total Liabilities
- 254
- 0
- 238
- 8
- 0
- Cash & Bank
- 0
- 8
- Total Assets
- 254
- Total Debt
- 1
- Net Working Capital
- 14
- Contingent Liabilities
- 1
- Book Value per Share
- 2444.29
- Face Value
- 10.00
- Total Debt
- 1
- Net Working Capital
- 14
- Contingent Liabilities
- 1
- Book Value per Share
- 2444.29
- Face Value
- 10.00
Mar 2020
- Equity Capital
- 1
- 156
- 10
- Trade Payables
- 0
- -3
- Total Liabilities
- 164
- 0
- 137
- 14
- 0
- Cash & Bank
- 8
- 6
- Total Assets
- 164
- Total Debt
- 10
- Net Working Capital
- 14
- Contingent Liabilities
- 4
- Book Value per Share
- 1566.98
- Face Value
- 10.00
- Total Debt
- 10
- Net Working Capital
- 14
- Contingent Liabilities
- 4
- Book Value per Share
- 1566.98
- Face Value
- 10.00
Mar 2021
- Equity Capital
- 1
- 278
- 5
- Trade Payables
- 1
- 16
- Total Liabilities
- 300
- 0
- 292
- 4
- 0
- Cash & Bank
- 0
- 4
- Total Assets
- 300
- Total Debt
- 5
- Net Working Capital
- 0
- Contingent Liabilities
- 2
- Book Value per Share
- 2789.14
- Face Value
- 10.00
- Total Debt
- 5
- Net Working Capital
- 0
- Contingent Liabilities
- 2
- Book Value per Share
- 2789.14
- Face Value
- 10.00
Mar 2022
- Equity Capital
- 1
- 426
- 28
- Trade Payables
- 0
- 43
- Total Liabilities
- 498
- 0
- 474
- 10
- 0
- Cash & Bank
- 2
- 13
- Total Assets
- 498
- Total Debt
- 28
- Net Working Capital
- 46
- Contingent Liabilities
- 5
- Book Value per Share
- 4142.89
- Face Value
- 10.00
- Total Debt
- 28
- Net Working Capital
- 46
- Contingent Liabilities
- 5
- Book Value per Share
- 4142.89
- Face Value
- 10.00
Mar 2023
- Equity Capital
- 1
- 437
- 22
- Trade Payables
- 0
- 30
- Total Liabilities
- 491
- 0
- 489
- 0
- 0
- Cash & Bank
- 0
- 1
- Total Assets
- 491
- Total Debt
- 22
- Net Working Capital
- 19
- Contingent Liabilities
- 2
- Book Value per Share
- 4253.97
- Face Value
- 10.00
- Total Debt
- 22
- Net Working Capital
- 19
- Contingent Liabilities
- 2
- Book Value per Share
- 4253.97
- Face Value
- 10.00
Mar 2024
- Equity Capital
- 1
- 696
- 0
- Trade Payables
- 13
- 73
- Total Liabilities
- 783
- 0
- 762
- 0
- 1
- Cash & Bank
- 3
- 17
- Total Assets
- 783
- Total Debt
- 0
- Net Working Capital
- 283
- Contingent Liabilities
- 2
- Book Value per Share
- 6769.45
- Face Value
- 10.00
- Total Debt
- 0
- Net Working Capital
- 283
- Contingent Liabilities
- 2
- Book Value per Share
- 6769.45
- Face Value
- 10.00
Mar 2025
- Equity Capital
- 1
- 966
- 43
- Trade Payables
- 0
- 114
- Total Liabilities
- 1,125
- 0
- 1,084
- 0
- 0
- Cash & Bank
- 23
- 18
- Total Assets
- 1,125
- Total Debt
- 43
- Net Working Capital
- 436
- Contingent Liabilities
- 2
- Book Value per Share
- 8828.93
- Face Value
- 10.00
- Total Debt
- 43
- Net Working Capital
- 436
- Contingent Liabilities
- 2
- Book Value per Share
- 8828.93
- Face Value
- 10.00
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -16 | -23 | -6 | 16 | -18 | -5 | 50 | 27 | 33 | 9 | |
| Cash from Investing | 20 | 27 | 8 | 16 | 16 | 4 | -81 | -22 | -7 | -108 |
| Cash from Financing | -4 | -3 | -3 | -31 | 9 | -7 | 33 | -7 | -24 | 120 |
| 0 | 1 | -1 | -0 | 7 | -7 | 2 | -2 | 2 | 20 | |
| Free Cash Flow | -16 | -24 | -6 | 16 | -18 | -5 | 50 | 27 | 33 | 9 |
| OCF / Net Profit | -1.12 | -4.33 | -0.37 | 43.78 | 1.83 | -0.23 | 0.77 | 2.31 | 0.32 | 0.16 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | 0 | -36 | 37 | 70 | 88 | 114 |
| OCF / Net Profit | -1.12 | -4.33 | -0.37 | 43.78 | 1.83 | -0.23 | 0.77 | 2.31 | 0.32 | 0.16 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | 0 | -36 | 37 | 70 | 88 | 114 |
Mar 2016
- -16
- Cash from Investing
- 20
- Cash from Financing
- -4
- 0
- Free Cash Flow
- -16
- OCF / Net Profit
- -1.12
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -1.12
- Cumulative 5-Year FCF
- 0
Mar 2017
- -23
- Cash from Investing
- 27
- Cash from Financing
- -3
- 1
- Free Cash Flow
- -24
- OCF / Net Profit
- -4.33
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -4.33
- Cumulative 5-Year FCF
- 0
Mar 2018
- -6
- Cash from Investing
- 8
- Cash from Financing
- -3
- -1
- Free Cash Flow
- -6
- OCF / Net Profit
- -0.37
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -0.37
- Cumulative 5-Year FCF
- 0
Mar 2019
- 16
- Cash from Investing
- 16
- Cash from Financing
- -31
- -0
- Free Cash Flow
- 16
- OCF / Net Profit
- 43.78
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 43.78
- Cumulative 5-Year FCF
- 0
Mar 2020
- -18
- Cash from Investing
- 16
- Cash from Financing
- 9
- 7
- Free Cash Flow
- -18
- OCF / Net Profit
- 1.83
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 1.83
- Cumulative 5-Year FCF
- 0
Mar 2021
- -5
- Cash from Investing
- 4
- Cash from Financing
- -7
- -7
- Free Cash Flow
- -5
- OCF / Net Profit
- -0.23
- Cumulative 5-Year FCF
- -36
- OCF / Net Profit
- -0.23
- Cumulative 5-Year FCF
- -36
Mar 2022
- 50
- Cash from Investing
- -81
- Cash from Financing
- 33
- 2
- Free Cash Flow
- 50
- OCF / Net Profit
- 0.77
- Cumulative 5-Year FCF
- 37
- OCF / Net Profit
- 0.77
- Cumulative 5-Year FCF
- 37
Mar 2023
- 27
- Cash from Investing
- -22
- Cash from Financing
- -7
- -2
- Free Cash Flow
- 27
- OCF / Net Profit
- 2.31
- Cumulative 5-Year FCF
- 70
- OCF / Net Profit
- 2.31
- Cumulative 5-Year FCF
- 70
Mar 2024
- 33
- Cash from Investing
- -7
- Cash from Financing
- -24
- 2
- Free Cash Flow
- 33
- OCF / Net Profit
- 0.32
- Cumulative 5-Year FCF
- 88
- OCF / Net Profit
- 0.32
- Cumulative 5-Year FCF
- 88
Mar 2025
- 9
- Cash from Investing
- -108
- Cash from Financing
- 120
- 20
- Free Cash Flow
- 9
- OCF / Net Profit
- 0.16
- Cumulative 5-Year FCF
- 114
- OCF / Net Profit
- 0.16
- Cumulative 5-Year FCF
- 114
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | - | - | - | - | - | - | - | - | - | - |
| EPS (₹) | 216.13 | 81.59 | 159.49 | 3.51 | -96.06 | 213.08 | 630.39 | 113.49 | 1008.88 | 487.46 |
| Book Value (₹) | 549.32 | 1807.47 | 1290.11 | 2444.29 | 1566.98 | 2789.14 | 4142.89 | 4253.97 | 6769.45 | 8828.93 |
| Dividend per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash EPS (₹) | 216.15 | 82.06 | 159.69 | 3.78 | -95.97 | 213.13 | 630.76 | 113.75 | 1008.92 | 487.65 |
| PROFITABILITY | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | 21.77% | 21.46% | 16.40% | 5.34% | -174.04% | 50.51% | 67.61% | 47.48% | 97.52% | 93.35% |
| Net Margin % | 16.70% | 13.99% | 18.68% | 2.10% | -131.24% | 40.77% | 51.89% | 26.63% | 80.96% | 70.82% |
| ROE % | 39.35% | 6.92% | 13.04% | 0.19% | -4.79% | 9.78% | 18.40% | 2.71% | 18.30% | 6.42% |
| ROCE % | 23.31% | 7.92% | 9.82% | 0.44% | -6.20% | 11.71% | 22.92% | 4.56% | 21.62% | 8.25% |
| 16.54% | 4.80% | 10.77% | 0.17% | -4.60% | 9.17% | 16.27% | 2.37% | 16.31% | 5.60% | |
| EFFICIENCY | - | - | - | - | - | - | - | - | - | - |
| Debtor Days | 27 | 43 | 0 | 0 | 3 | 0 | 3 | 0 | 4 | 0 |
| Inventory Days | 82 | 97 | 16 | 153 | 539 | 63 | 20 | 41 | 0 | 1 |
| Payable Days | 0 | 59 | 21 | 1 | 0 | 6 | 4 | 1 | 0 | 0 |
| 109 | 82 | -4 | 151 | 541 | 56 | 19 | 40 | 4 | 1 | |
| FINANCIAL HEALTH | - | - | - | - | - | - | - | - | - | - |
| Debt to Equity (x) | 1.20x | 0.07x | 0.25x | 0.00x | 0.06x | 0.02x | 0.06x | 0.05x | 0.00x | 0.04x |
| Interest Coverage (x) | 4.29x | 2.81x | 41.55x | 5.87x | -44.13x | 17.43x | 93.02x | 11.84x | 74.27x | 44.17x |
| 1.18x | 1.91x | 2.01x | 17.45x | 2.24x | 1.01x | 2.19x | 1.83x | 21.28x | 10.96x | |
| GROWTH | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | 0.00% | -54.97% | 128.98% | -80.03% | -57.03% | 613.62% | 139.35% | -64.89% | 192.00% | -41.22% |
| Operating Profit Growth % | 0.00% | -55.61% | 75.01% | -93.50% | -1500.13% | 307.09% | 220.42% | -75.34% | 499.75% | -43.73% |
| Net Profit Growth % | 0.00% | -62.26% | 205.77% | -97.76% | -2789.68% | 321.68% | 204.63% | -81.98% | 787.81% | -48.58% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 788.97% | -51.68% | |
| VALUATION | - | - | - | - | - | - | - | - | - | - |
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 5.54x | 24.41x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.83x | 1.35x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 4.58x | 18.80x |
Mar 2016
- EPS (₹)
- 216.13
- Book Value (₹)
- 549.32
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 216.15
- Operating Margin %
- 21.77%
- Net Margin %
- 16.70%
- ROE %
- 39.35%
- ROCE %
- 23.31%
- 16.54%
- Debtor Days
- 27
- Inventory Days
- 82
- Payable Days
- 0
- 109
- Debt to Equity (x)
- 1.20x
- Interest Coverage (x)
- 4.29x
- 1.18x
- Revenue Growth %
- 0.00%
- Operating Profit Growth %
- 0.00%
- Net Profit Growth %
- 0.00%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2017
- EPS (₹)
- 81.59
- Book Value (₹)
- 1807.47
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 82.06
- Operating Margin %
- 21.46%
- Net Margin %
- 13.99%
- ROE %
- 6.92%
- ROCE %
- 7.92%
- 4.80%
- Debtor Days
- 43
- Inventory Days
- 97
- Payable Days
- 59
- 82
- Debt to Equity (x)
- 0.07x
- Interest Coverage (x)
- 2.81x
- 1.91x
- Revenue Growth %
- -54.97%
- Operating Profit Growth %
- -55.61%
- Net Profit Growth %
- -62.26%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2018
- EPS (₹)
- 159.49
- Book Value (₹)
- 1290.11
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 159.69
- Operating Margin %
- 16.40%
- Net Margin %
- 18.68%
- ROE %
- 13.04%
- ROCE %
- 9.82%
- 10.77%
- Debtor Days
- 0
- Inventory Days
- 16
- Payable Days
- 21
- -4
- Debt to Equity (x)
- 0.25x
- Interest Coverage (x)
- 41.55x
- 2.01x
- Revenue Growth %
- 128.98%
- Operating Profit Growth %
- 75.01%
- Net Profit Growth %
- 205.77%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2019
- EPS (₹)
- 3.51
- Book Value (₹)
- 2444.29
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 3.78
- Operating Margin %
- 5.34%
- Net Margin %
- 2.10%
- ROE %
- 0.19%
- ROCE %
- 0.44%
- 0.17%
- Debtor Days
- 0
- Inventory Days
- 153
- Payable Days
- 1
- 151
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 5.87x
- 17.45x
- Revenue Growth %
- -80.03%
- Operating Profit Growth %
- -93.50%
- Net Profit Growth %
- -97.76%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2020
- EPS (₹)
- -96.06
- Book Value (₹)
- 1566.98
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- -95.97
- Operating Margin %
- -174.04%
- Net Margin %
- -131.24%
- ROE %
- -4.79%
- ROCE %
- -6.20%
- -4.60%
- Debtor Days
- 3
- Inventory Days
- 539
- Payable Days
- 0
- 541
- Debt to Equity (x)
- 0.06x
- Interest Coverage (x)
- -44.13x
- 2.24x
- Revenue Growth %
- -57.03%
- Operating Profit Growth %
- -1500.13%
- Net Profit Growth %
- -2789.68%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2021
- EPS (₹)
- 213.08
- Book Value (₹)
- 2789.14
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 213.13
- Operating Margin %
- 50.51%
- Net Margin %
- 40.77%
- ROE %
- 9.78%
- ROCE %
- 11.71%
- 9.17%
- Debtor Days
- 0
- Inventory Days
- 63
- Payable Days
- 6
- 56
- Debt to Equity (x)
- 0.02x
- Interest Coverage (x)
- 17.43x
- 1.01x
- Revenue Growth %
- 613.62%
- Operating Profit Growth %
- 307.09%
- Net Profit Growth %
- 321.68%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2022
- EPS (₹)
- 630.39
- Book Value (₹)
- 4142.89
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 630.76
- Operating Margin %
- 67.61%
- Net Margin %
- 51.89%
- ROE %
- 18.40%
- ROCE %
- 22.92%
- 16.27%
- Debtor Days
- 3
- Inventory Days
- 20
- Payable Days
- 4
- 19
- Debt to Equity (x)
- 0.06x
- Interest Coverage (x)
- 93.02x
- 2.19x
- Revenue Growth %
- 139.35%
- Operating Profit Growth %
- 220.42%
- Net Profit Growth %
- 204.63%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2023
- EPS (₹)
- 113.49
- Book Value (₹)
- 4253.97
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 113.75
- Operating Margin %
- 47.48%
- Net Margin %
- 26.63%
- ROE %
- 2.71%
- ROCE %
- 4.56%
- 2.37%
- Debtor Days
- 0
- Inventory Days
- 41
- Payable Days
- 1
- 40
- Debt to Equity (x)
- 0.05x
- Interest Coverage (x)
- 11.84x
- 1.83x
- Revenue Growth %
- -64.89%
- Operating Profit Growth %
- -75.34%
- Net Profit Growth %
- -81.98%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2024
- EPS (₹)
- 1008.88
- Book Value (₹)
- 6769.45
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 1008.92
- Operating Margin %
- 97.52%
- Net Margin %
- 80.96%
- ROE %
- 18.30%
- ROCE %
- 21.62%
- 16.31%
- Debtor Days
- 4
- Inventory Days
- 0
- Payable Days
- 0
- 4
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 74.27x
- 21.28x
- Revenue Growth %
- 192.00%
- Operating Profit Growth %
- 499.75%
- Net Profit Growth %
- 787.81%
- 788.97%
- P/E (x)
- 5.54x
- P/B (x)
- 0.83x
- Dividend Yield %
- 0.00%
- 4.58x
Mar 2025
- EPS (₹)
- 487.46
- Book Value (₹)
- 8828.93
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 487.65
- Operating Margin %
- 93.35%
- Net Margin %
- 70.82%
- ROE %
- 6.42%
- ROCE %
- 8.25%
- 5.60%
- Debtor Days
- 0
- Inventory Days
- 1
- Payable Days
- 0
- 1
- Debt to Equity (x)
- 0.04x
- Interest Coverage (x)
- 44.17x
- 10.96x
- Revenue Growth %
- -41.22%
- Operating Profit Growth %
- -43.73%
- Net Profit Growth %
- -48.58%
- -51.68%
- P/E (x)
- 24.41x
- P/B (x)
- 1.35x
- Dividend Yield %
- 0.00%
- 18.80x
Documents
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