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Y/e 31 Mar Mar-2018 Mar-2017 Mar-2016 Mar-2015
Growth matrix (%)        
Net interest income 19.50 110 63.70 137
Total op income 20.40 90.10 89.40 132
Op profit (pre-provision) 1.02 87.50 109 364
Net profit (83) 82.20 110 429
Advances 42.10 212 69.50 41.80
Borrowings 76.80 322 (25) 83.40
Total assets 43 132 95 78.10
Profitability Ratios (%)        
NIM -- -- -- --
Non-int inc/Total inc 5.54 4.81 13.90 0.46
Return on Avg Equity 2.82 19.40 22.10 53.80
Return on Avg Assets 0.91 9.20 11.10 9.97
Per share ratios ()        
EPS -- -- -- --
Adj.BVPS -- -- -- --
DPS -- -- -- --
Other key ratios (%)        
Loans/Borrowings 125 156 211 92.90
Cost/Income 156 195 160 135
CAR -- -- -- --
Tier-I capital -- -- -- --
Gross NPLs/Loans -- -- -- --
Prov/Avg loans -- -- -- --
Net NPLs/Net loans -- -- -- --
Tax rate 0.93 0.49 0.53 0.51
Dividend yield 0.15 0.33 0.52 --
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Y/e 31 Mar ( In .Cr) Mar-2018 Mar-2017 Mar-2016 Mar-2015
Interest income 167 114 54.50 40
Interest expense (61) (25) (12) (14)
Net interest income 106 88.90 42.30 25.80
Non-interest income 6.23 4.50 6.85 0.12
Total op income 112 93.40 49.10 25.90
Total op expenses (52) (33) (17) (11)
Op profit (pre-prov) 60.80 60.20 32.10 15.30
Provisions (49) (5.30) (1.10) (0.80)
Exceptionals -- -- -- --
Profit before tax 12 54.90 31 14.60
Taxes (5.80) (18) (11) (4.90)
Net profit 6.23 36.90 20.20 9.65
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Y/e 31 Mar ( In .Cr) Mar-2019 Mar-2018 Mar-2017 Mar-2016
Equity Capital 16.40 16.40 16.40 24.60
Reserves 206 206 203 136
Net worth 223 223 219 161
Long-term borrowings 298 343 209 31.60
Other Long-term liabilities 0.30 5.52 6.11 --
Long term provisions 3.05 10.80 3.57 0.40
Total Non-current liabilities 302 359 218 32
Short Term Borrowings 6.96 4.98 4.93 11.60
Trade payables 0.34 0.73 0.60 1
Other current liabilities 196 211 102 31.70
Short term provisions 9.69 3.28 14.90 4.39
Total Current liabilities 213 220 123 48.60
Total Equities and Liabilities 738 802 561 242
Fixed Assets 2.02 1.74 1.38 1.13
Non-current investments 49.70 49.90 19.30 0.15
Deferred tax assets (Net) 2.63 2.92 1.76 0.43
Long-term loans and advances 266 329 179 77.40
Other non-current assets 19.60 11.30 17.30 --
Total Non-current assets 340 395 219 79.10
Current investments 0.18 -- -- --
Trade receivables -- -- -- 3.57
Cash and cash equivalents 31.50 37.20 29.20 78.70
Short-term loans and advances 366 370 313 80.20
Other current assets -- -- -- --
Total Current assets 397 407 342 162
Total Assets 738 802 561 242
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Particulars ( Rupees In Crores.) Mar-2020 Dec-2019 Sep-2019 Jun-2019
Gross Sales 27.80 37.90 47.90 34.90
Excise Duty -- -- -- --
Net Sales 27.80 37.90 47.90 34.90
Other Operating Income -- -- -- 3.89
Other Income 1.80 0.86 (0.20) 2.04
Total Income 29.70 38.70 47.70 40.80
Total Expenditure ** 22.30 15.80 15 33.70
PBIDT 7.37 22.90 32.70 7.14
Interest 13 14.30 16 17.40
PBDT (5.70) 8.59 16.70 (10)
Depreciation 0.17 0.22 0.36 0.14
Tax (2.50) -- -- 3.37
Fringe Benefit Tax -- -- -- --
Deferred Tax 2.98 2.44 4.73 (3)
Reported Profit After Tax (6.30) 5.93 11.70 (11)
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item (6.30) 5.93 11.70 (11)
EPS (Unit Curr.) (3.90) 3.66 7.13 (6.60)
EPS (Adj) (Unit Curr.) (3.90) 3.66 7.13 (6.60)
Calculated EPS (Unit Curr.) (3.90) 3.66 7.19 (6.60)
Calculated EPS (Adj) (Unit Curr.)  (3.90) 3.66 7.19 (6.60)
Calculated EPS (Ann.) (Unit Curr.) (16) 14.60 28.70 (26)
Calculated EPS (Adj) (Ann.) (Unit Curr.)  (16) 14.60 28.70 (26)
Book Value (Unit Curr.) -- -- -- --
Dividend (%) -- -- -- --
Equity 16.20 16.20 16.20 16.40
Reserve & Surplus -- -- -- --
Face Value 10 10 10 10
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(%) 26.50 60.40 68.30 20.50
PBDTM(%) (20) 22.70 35 (30)
PATM(%) (23) 15.70 24.30 (31)