BAJFINANCE Financial Statements

BAJFINANCE Annual Results

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Y/e 31 Mar Mar-2021 Mar-2020 Mar-2019 Mar-2017
Growth matrix (%)        
Net interest income 0.76 39.50 85.80 41.10
Total op income 0.77 39.40 85.30 40.40
Op profit (pre-provision) 0.32 37.30 271 44.40
Net profit (10) 29.60 435 43.60
Advances (5.90) 40.80 (98) 37.90
Borrowings (3.80) 19.40 69.70 37.40
Total assets 0.24 27.20 70.20 35.70
Profitability Ratios (%)        
NIM -- -- -- --
Non-int inc/Total inc 0.09 0.07 0.15 0.42
Return on Avg Equity 33.70 49.60 67.40 21.60
Return on Avg Assets 8.25 10.30 11.40 3.32
Per share ratios ()        
EPS 65.80 81.40 67.40 33.60
Adj.BVPS -- -- -- --
DPS 10 10 6 3.60
Other key ratios (%)        
Loans/Borrowings 0.77 0.78 0.66 51.10
Cost/Income 97.40 125 (78) 135
CAR 21.30 25.20 20.70 20.30
Tier-I capital 20.70 24.50 16.30 14.60
Gross NPLs/Loans -- -- -- --
Prov/Avg loans -- -- -- --
Net NPLs/Net loans -- -- -- --
Tax rate 0.12 0.15 0.22 0.53
Dividend yield 0.19 0.45 0.20 0.31
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Y/e 31 Mar ( In .Cr) Mar-2021 Mar-2020 Mar-2019 Mar-2017
Interest income 23,532 23,823 17,384 9,963
Interest expense (7,446) (7,858) (5,939) (3,803)
Net interest income 16,086 15,965 11,445 6,160
Non-interest income 14.20 11.60 16.90 26
Total op income 16,100 15,977 11,462 6,186
Total op expenses 2,431 2,494 1,988 (2,564)
Op profit (pre-prov) 18,531 18,471 13,450 3,621
Provisions (5,721) (3,805) (1,476) (804)
Exceptionals -- -- -- --
Profit before tax 12,809 14,666 11,974 2,818
Taxes (1,407) (1,927) (2,145) (981)
Net profit 11,402 12,739 9,829 1,837
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Y/e 31 Mar ( In .Cr) Mar-2021 Mar-2020 Mar-2019 Mar-2018
Equity Capital 120 120 115 115
Reserves 35,818 31,693 19,448 15,702
Net worth 35,939 31,813 19,564 15,817
Long-term borrowings 88,284 95,302 77,444 63,629
Other Long-term liabilities -- -- -- 224
Long term provisions -- -- -- --
Total Non-current liabilities 88,284 95,302 77,444 63,853
Short Term Borrowings 11,582 8,904 8,907 --
Trade payables 677 637 548 439
Other current liabilities 1,548 1,216 1,946 1,419
Short term provisions 309 131 91.30 86.60
Total Current liabilities 14,116 10,889 11,492 1,945
Total Equities and Liabilities 138,339 138,004 108,500 81,615
Fixed Assets 1,278 1,228 654 465
Non-current investments 20,169 20,139 10,370 3,653
Deferred tax assets (Net) 919 848 661 763
Long-term loans and advances -- -- -- --
Other non-current assets 113,090 113,417 95,181 75,588
Total Non-current assets 135,457 135,632 106,867 80,469
Current investments -- -- -- --
Trade receivables 720 867 805 585
Cash and cash equivalents 1,386 679 242 229
Short-term loans and advances 777 825 586 333
Other current assets -- -- -- --
Total Current assets 2,882 2,372 1,633 1,147
Total Assets 138,339 138,004 108,500 81,615
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Particulars ( Rupees In Crores.) Mar-2022 Mar-2021 Mar-2020 Mar-2019
Gross Sales 26,972 23,369 23,672 17,296
Excise Duty -- -- -- --
Net Sales 26,972 23,369 23,672 17,296
Other Operating Income 892 163 151 89.90
Other Income 7.20 14.20 11.60 13.30
Total Income 27,871 23,546 23,834 17,399
Total Expenditure ** 11,357 10,435 8,898 5,288
PBIDT 16,514 13,112 14,936 12,112
Interest 7,573 7,446 7,858 5,939
PBDT 8,941 5,665 7,079 6,173
Depreciation 355 302 271 137
Tax 2,242 1,471 2,080 2,044
Fringe Benefit Tax -- -- -- --
Deferred Tax (6.10) (63) (153) 101
Reported Profit After Tax 6,350 3,956 4,881 3,890
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 6,350 3,956 4,881 3,890
EPS (Unit Curr.) 105 65.90 83.30 67.50
EPS (Adj) (Unit Curr.) 105 65.90 83.30 67.50
Calculated EPS (Unit Curr.) 105 65.80 81.40 67.40
Calculated EPS (Adj) (Unit Curr.)  105 65.80 81.40 67.40
Calculated EPS (Ann.) (Unit Curr.) 105 65.80 81.40 67.40
Calculated EPS (Adj) (Ann.) (Unit Curr.)  105 65.80 81.40 67.40
Book Value (Unit Curr.) -- -- -- --
Dividend (%) 1,000 500 500 300
Equity 121 120 120 115
Reserve & Surplus 41,935 35,818 31,693 19,448
Face Value 2 2 2 2
Public Shareholding (No Of.Shares)  -- -- -- --
Public Shareholding (% in Equity)  -- -- -- --
Pledged/Encumbered - No. of Shares -- -- -- --
Pledged/Encumbered - % in Total Promoters Holding -- -- -- --
Pledged/Encumbered - % in Total Equity -- -- -- --
Non Encumbered - No. of Shares -- -- -- --
Non Encumbered - % in Total Promoters Holding -- -- -- --
Non Encumbered - % in Total Equity -- -- -- --
PBIDTM(%) 61.20 56.10 63.10 70
PBDTM(%) 33.10 24.20 29.90 35.70
PATM(%) 23.50 16.90 20.60 22.50
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