Paisalo Digital Financial Statements

Paisalo Digital Key Financial Ratios

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Y/e 31 Mar - - - -
Growth matrix (%)        
Net interest income -- -- -- --
Total op income -- -- -- --
Op profit (pre-provision) -- -- -- --
Net profit -- -- -- --
Advances -- -- -- --
Borrowings -- -- -- --
Total assets -- -- -- --
Profitability Ratios (%)        
NIM -- -- -- --
Non-int inc/Total inc -- -- -- --
Return on Avg Equity -- -- -- --
Return on Avg Assets -- -- -- --
Per share ratios ()        
EPS -- -- -- --
Adj.BVPS -- -- -- --
DPS -- -- -- --
Other key ratios (%)        
Loans/Borrowings -- -- -- --
Cost/Income -- -- -- --
CAR -- -- -- --
Tier-I capital -- -- -- --
Gross NPLs/Loans -- -- -- --
Prov/Avg loans -- -- -- --
Net NPLs/Net loans -- -- -- --
Tax rate -- -- -- --
Dividend yield -- -- -- --
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Y/e 31 Mar ( In .Cr) Mar-2020 Mar-2018 Mar-2017 Mar-2016
Interest income 337 287 250 193
Interest expense (134) (115) (88) (65)
Net interest income 204 173 161 128
Non-interest income -- -- -- --
Total op income 204 173 161 128
Total op expenses 78.50 (53) (52) (46)
Op profit (pre-prov) 282 119 110 82.80
Provisions (75) (35) (32) (14)
Exceptionals -- -- -- --
Profit before tax 207 84.30 77.20 68.60
Taxes (20) (27) (26) (23)
Net profit 188 56.90 51.30 45.10
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Y/e 31 Mar ( In .Cr) Mar-2020 Mar-2019 Mar-2018 Mar-2017
Equity Capital 42.30 40.60 40.60 40.60
Reserves 714 614 563 514
Net worth 756 654 603 554
Long-term borrowings 298 204 902 95
Other Long-term liabilities -- -- 3.87 28
Long term provisions -- -- -- 4.59
Total Non-current liabilities 298 204 905 128
Short Term Borrowings 772 742 -- 598
Trade payables 5.06 38.10 1.54 --
Other current liabilities 216 302 328 115
Short term provisions 19.80 11.50 11.10 136
Total Current liabilities 1,014 1,093 341 849
Total Equities and Liabilities 2,067 1,952 1,850 1,530
Fixed Assets 66.30 9.41 6.66 3.09
Non-current investments 66.10 66.10 66.10 66.10
Deferred tax assets (Net) (1.20) (0.60) (3.60) (3.50)
Long-term loans and advances -- -- -- 20.10
Other non-current assets 1,714 1,688 1,587 9.85
Total Non-current assets 1,846 1,763 1,656 95.60
Current investments -- -- -- 0.82
Trade receivables 10.70 9.56 11.10 --
Cash and cash equivalents 31.30 9.52 11.20 8.33
Short-term loans and advances 180 170 171 164
Other current assets -- -- -- 1,262
Total Current assets 222 189 193 1,435
Total Assets 2,067 1,952 1,850 1,530
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Particulars ( Rupees In Crores.) Mar-2021 Dec-2020 Sep-2020 Jun-2020
Gross Sales 84.30 78.50 70.50 78.20
Excise Duty -- -- -- --
Net Sales 84.30 78.50 70.50 78.20
Other Operating Income -- -- -- --
Other Income 0.64 -- -- --
Total Income 85 78.50 70.50 78.20
Total Expenditure ** 45.70 10.80 6.52 21.10
PBIDT 39.20 67.70 64 57
Interest 37.40 37.60 34.20 34.60
PBDT 1.86 30.10 29.80 22.50
Depreciation 0.92 0.97 0.90 0.94
Tax (1.10) 7.05 7.19 6.03
Fringe Benefit Tax -- -- -- --
Deferred Tax 0.10 0.04 (0.10) 0.45
Reported Profit After Tax 1.97 22.10 21.80 15
Extra-ordinary Items 0.57 -- -- --
Adjusted Profit After Extra-ordinary item 1.40 22.10 21.80 15
EPS (Unit Curr.) 0.47 5.22 5.16 3.56
EPS (Adj) (Unit Curr.) 0.47 5.22 5.16 3.56
Calculated EPS (Unit Curr.) 0.47 5.22 5.16 3.56
Calculated EPS (Adj) (Unit Curr.)  0.47 5.22 5.16 3.56
Calculated EPS (Ann.) (Unit Curr.) 1.87 20.90 20.60 14.20
Calculated EPS (Adj) (Ann.) (Unit Curr.)  1.87 20.90 20.60 14.20
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(%) 46.50 86.30 90.80 73
PBDTM(%) 2.21 38.40 42.20 28.70
PATM(%) 2.34 28.10 30.90 19.20
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