BAJFINANCE Financial Statements

BAJFINANCE Quarterly 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 Dec-2021 Sep-2021 Jun-2021
Gross Sales 7,337 7,229 6,595 5,812
Excise Duty -- -- -- --
Net Sales 7,337 7,229 6,595 5,812
Other Operating Income 280 294 213 104
Other Income 3.11 2.48 0.55 1.06
Total Income 7,620 7,526 6,809 5,917
Total Expenditure ** 2,517 2,855 3,064 2,921
PBIDT 5,103 4,671 3,745 2,996
Interest 1,948 1,972 1,889 1,764
PBDT 3,156 2,699 1,855 1,232
Depreciation 96.10 88.80 87.60 82.40
Tax 752 559 377 555
Fringe Benefit Tax -- -- -- --
Deferred Tax 40 117 84.90 (248)
Reported Profit After Tax 2,268 1,934 1,306 843
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 2,268 1,934 1,306 843
EPS (Unit Curr.) 37.60 32.10 21.70 14
EPS (Adj) (Unit Curr.) 37.60 32.10 21.70 14
Calculated EPS (Unit Curr.) 37.60 32.10 21.70 14
Calculated EPS (Adj) (Unit Curr.)  37.60 32.10 21.70 14
Calculated EPS (Ann.) (Unit Curr.) 150 128 86.70 56
Calculated EPS (Adj) (Ann.) (Unit Curr.)  150 128 86.70 56
Book Value (Unit Curr.) -- -- -- --
Dividend (%) -- -- -- --
Equity 121 121 121 120
Reserve & Surplus -- -- -- --
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(%) 69.60 64.60 56.80 51.50
PBDTM(%) 43 37.30 28.10 21.20
PATM(%) 30.90 26.80 19.80 14.50
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