Paisalo Digital Financial Statements

Paisalo Digital Balance Sheet

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Y/e 31 Mar Mar-2021 Mar-2020 Mar-2018 Mar-2017
Growth matrix (%)        
Net interest income (18) 18 7.19 25.40
Total op income (18) 18 7.19 25.40
Op profit (pre-provision) (6.50) 137 8.97 32.30
Net profit 9.09 230 10.80 13.60
Advances 1.61 4.98 (6.80) (2.10)
Borrowings 8.37 4.60 52.20 32.80
Total assets 10.80 11.80 589 (8)
Profitability Ratios (%)        
NIM -- -- -- --
Non-int inc/Total inc -- -- -- --
Return on Avg Equity 25.40 27.60 9.82 9.64
Return on Avg Assets 9.39 9.58 5.37 18.30
Per share ratios ()        
EPS 14.40 12.80 13.80 12.60
Adj.BVPS -- -- -- --
DPS 1 1 1 1
Other key ratios (%)        
Loans/Borrowings 13.10 14 13.90 22.70
Cost/Income 123 (147) 103 113
CAR 44.50 43.10 31.70 38.10
Tier-I capital 37.10 37.70 31.30 37.80
Gross NPLs/Loans -- -- -- --
Prov/Avg loans -- -- -- --
Net NPLs/Net loans -- -- -- --
Tax rate 0.10 0.11 0.48 0.50
Dividend yield 0.13 0.62 0.33 0.57
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Y/e 31 Mar ( In .Cr) Mar-2021 Mar-2020 Mar-2018 Mar-2017
Interest income 312 337 287 250
Interest expense (144) (134) (115) (88)
Net interest income 168 204 173 161
Non-interest income -- -- -- --
Total op income 168 204 173 161
Total op expenses 96.20 78.50 (53) (52)
Op profit (pre-prov) 264 282 119 110
Provisions (40) (75) (35) (32)
Exceptionals 0.64 -- -- --
Profit before tax 224 207 84.30 77.20
Taxes (20) (20) (27) (26)
Net profit 205 188 56.90 51.30
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Y/e 31 Mar ( In .Cr) Mar-2021 Mar-2020 Mar-2019 Mar-2018
Equity Capital 88.30 42.30 40.60 40.60
Reserves 766 714 614 563
Net worth 854 756 654 603
Long-term borrowings 442 298 204 902
Other Long-term liabilities -- -- -- 3.87
Long term provisions -- -- -- --
Total Non-current liabilities 442 298 204 905
Short Term Borrowings 744 772 742 --
Trade payables 16.80 5.06 38.10 1.54
Other current liabilities 208 216 302 328
Short term provisions 27.40 21.50 11.50 11.10
Total Current liabilities 997 1,015 1,093 341
Total Equities and Liabilities 2,293 2,069 1,952 1,850
Fixed Assets 64.30 66.30 9.41 6.66
Non-current investments 66.10 66.10 66.10 66.10
Deferred tax assets (Net) (1.70) (1.20) (0.60) (3.60)
Long-term loans and advances -- -- -- --
Other non-current assets 1,903 1,716 1,688 1,587
Total Non-current assets 2,032 1,847 1,763 1,656
Current investments -- -- -- --
Trade receivables 31.30 10.70 9.56 11.10
Cash and cash equivalents 46.80 31.30 9.52 11.20
Short-term loans and advances 183 180 170 171
Other current assets -- -- -- --
Total Current assets 261 222 189 193
Total Assets 2,293 2,069 1,952 1,850
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Particulars ( Rupees In Crores.) Jun-2021 Mar-2021 Dec-2020 Sep-2020
Gross Sales 83.50 84.30 78.50 70.50
Excise Duty -- -- -- --
Net Sales 83.50 84.30 78.50 70.50
Other Operating Income -- -- -- --
Other Income -- 0.64 -- --
Total Income 83.50 85 78.50 70.50
Total Expenditure ** 21.80 45.70 10.80 6.52
PBIDT 61.70 39.20 67.70 64
Interest 38.20 37.40 37.60 34.20
PBDT 23.50 1.86 30.10 29.80
Depreciation 0.81 0.92 0.97 0.90
Tax 5.44 (1.10) 7.05 7.19
Fringe Benefit Tax -- -- -- --
Deferred Tax 0.44 0.10 0.04 (0.10)
Reported Profit After Tax 16.80 1.97 22.10 21.80
Extra-ordinary Items -- 0.57 -- --
Adjusted Profit After Extra-ordinary item 16.80 1.40 22.10 21.80
EPS (Unit Curr.) 3.97 0.47 5.22 5.16
EPS (Adj) (Unit Curr.) 3.97 0.47 5.22 5.16
Calculated EPS (Unit Curr.) 3.97 0.47 5.22 5.16
Calculated EPS (Adj) (Unit Curr.)  3.97 0.47 5.22 5.16
Calculated EPS (Ann.) (Unit Curr.) 15.90 1.87 20.90 20.60
Calculated EPS (Adj) (Ann.) (Unit Curr.)  15.90 1.87 20.90 20.60
Book Value (Unit Curr.) -- 202 193 188
Dividend (%) -- -- -- --
Equity 42.30 42.30 42.30 42.30
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(%) 73.90 46.50 86.30 90.80
PBDTM(%) 28.10 2.21 38.40 42.20
PATM(%) 20.10 2.34 28.10 30.90
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