PAISALO Financial Statements

PAISALO Annual Results

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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 (94) 4.98 (6.80) (2.10)
Borrowings (5.10) 4.60 52.20 32.80
Total assets 2.47 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 9.77 9.58 5.37 18.30
Per share ratios ()        
EPS 1.36 1.28 1.38 1.26
Adj.BVPS -- -- -- --
DPS 0.10 0.10 0.10 0.10
Other key ratios (%)        
Loans/Borrowings 0.82 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 1.27 6.17 3.26 5.71
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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-2022 Mar-2021 Mar-2020 Mar-2019
Equity Capital 61.40 88.30 42.30 40.60
Reserves 951 766 714 614
Net worth 1,013 854 756 654
Long-term borrowings 544 442 298 204
Other Long-term liabilities -- -- -- --
Long term provisions -- -- -- --
Total Non-current liabilities 544 442 298 204
Short Term Borrowings 938 744 772 742
Trade payables 9.82 16.80 5.06 38.10
Other current liabilities 10.30 35.50 216 302
Short term provisions 32.50 27.40 21.50 11.50
Total Current liabilities 990 824 1,015 1,093
Total Equities and Liabilities 2,547 2,120 2,069 1,952
Fixed Assets 63.60 64.30 66.30 9.41
Non-current investments 67.90 66.10 66.10 66.10
Deferred tax assets (Net) (2.60) (1.70) (1.20) (0.60)
Long-term loans and advances -- -- -- --
Other non-current assets 2,320 1,903 1,716 1,688
Total Non-current assets 2,449 2,032 1,847 1,763
Current investments -- -- -- --
Trade receivables 27.90 31.30 10.70 9.56
Cash and cash equivalents 9.56 46.80 31.30 9.52
Short-term loans and advances 59.90 9.96 180 170
Other current assets -- -- -- --
Total Current assets 97.30 88 222 189
Total Assets 2,547 2,120 2,069 1,952
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Particulars ( Rupees In Crores.) Mar-2022 Mar-2021 Mar-2020 Mar-2019
Gross Sales 356 312 337 318
Excise Duty -- -- -- --
Net Sales 356 312 337 318
Other Operating Income -- -- -- --
Other Income -- 0.64 -- --
Total Income 356 312 337 318
Total Expenditure ** 80 87.50 126 105
PBIDT 276 225 212 212
Interest 167 144 134 123
PBDT 110 81 77.90 89.40
Depreciation 3.23 3.73 4.01 4.68
Tax 26.70 19.10 19.40 30.90
Fringe Benefit Tax -- -- -- --
Deferred Tax 0.96 0.48 0.48 (3)
Reported Profit After Tax 78.70 57.60 54 56.80
Extra-ordinary Items -- 0.48 -- --
Adjusted Profit After Extra-ordinary item 78.70 57.20 54 56.80
EPS (Unit Curr.) 18.60 13.60 12.80 14
EPS (Adj) (Unit Curr.) 1.86 1.36 1.28 1.40
Calculated EPS (Unit Curr.) 17.90 13.60 12.80 14
Calculated EPS (Adj) (Unit Curr.)  1.79 1.36 1.28 1.40
Calculated EPS (Ann.) (Unit Curr.) 17.90 13.60 12.80 14
Calculated EPS (Adj) (Ann.) (Unit Curr.)  1.79 1.36 1.28 1.40
Book Value (Unit Curr.) 230 202 179 159
Dividend (%) 10 10 10 10
Equity 43.90 42.30 42.30 40.60
Reserve & Surplus 969 812 714 614
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(%) 77.60 72.10 62.70 66.90
PBDTM(%) 30.80 26 23.10 28.10
PATM(%) 22.10 18.50 16 17.90
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