Y/e 31 Mar | Mar-2018 | Mar-2017 | Mar-2016 | Mar-2015 |
---|---|---|---|---|
Growth matrix (%) | ||||
Net interest income | 2.64 | (1.60) | 15.80 | 6.10 |
Total op income | 2.29 | (3.40) | 15.20 | 1.40 |
Op profit (pre-provision) | (80) | (2) | 13 | 321 |
Net profit | (90) | 4.42 | 8.45 | 650 |
Advances | 0.90 | 71.40 | (50) | 19 |
Borrowings | 0.43 | (0.50) | (8.70) | 33.90 |
Total assets | 10.70 | 12.40 | (45) | 93.70 |
Profitability Ratios (%) | ||||
NIM | -- | -- | -- | -- |
Non-int inc/Total inc | 3.76 | 4.09 | 5.82 | 6.35 |
Return on Avg Equity | 7.16 | 75.20 | 74.90 | 72.10 |
Return on Avg Assets | 6.61 | 74.30 | 53.70 | 50.70 |
Per share ratios () | ||||
EPS | 2.16 | 3.10 | 2.30 | 2.97 |
Adj.BVPS | -- | -- | -- | -- |
DPS | 1 | 1 | 1 | 1 |
Other key ratios (%) | ||||
Loans/Borrowings | 5.35 | 5.33 | 3.09 | 5.61 |
Cost/Income | (66) | 99.50 | 111 | (187) |
CAR | -- | -- | 19.40 | 18 |
Tier-I capital | -- | -- | 11.50 | 10.70 |
Gross NPLs/Loans | -- | -- | -- | -- |
Prov/Avg loans | -- | -- | -- | -- |
Net NPLs/Net loans | -- | -- | -- | -- |
Tax rate | 0.55 | 0.04 | 0.07 | 0.05 |
Dividend yield | 3.16 | 3.21 | 5.25 | 5.97 |
Y/e 31 Mar ( In .Cr) | Mar-2018 | Mar-2017 | Mar-2016 | Mar-2015 |
---|---|---|---|---|
Interest income | 166 | 168 | 168 | 147 |
Interest expense | (100) | (103) | (103) | (90) |
Net interest income | 66 | 64.30 | 65.40 | 56.50 |
Non-interest income | 2.58 | 2.74 | 4.04 | 3.83 |
Total op income | 68.60 | 67.10 | 69.50 | 60.30 |
Total op expenses | (43) | 64.60 | 64.90 | 58.50 |
Op profit (pre-prov) | 26 | 132 | 134 | 119 |
Provisions | (7.40) | (7.10) | (7) | (7.20) |
Exceptionals | -- | -- | (4.30) | -- |
Profit before tax | 18.50 | 125 | 123 | 112 |
Taxes | (6.60) | (4.40) | (7.90) | (5.40) |
Net profit | 11.90 | 120 | 115 | 106 |
Y/e 31 Mar ( In .Cr) | Mar-2021 | Mar-2020 | Mar-2019 | Mar-2018 |
---|---|---|---|---|
Equity Capital | 64.70 | 64.70 | 50 | 61.40 |
Reserves | 127 | 122 | 110 | 108 |
Net worth | 192 | 186 | 160 | 169 |
Long-term borrowings | 880 | 864 | 762 | 458 |
Other Long-term liabilities | -- | -- | -- | -- |
Long term provisions | -- | -- | -- | -- |
Total Non-current liabilities | 880 | 864 | 762 | 458 |
Short Term Borrowings | 146 | 145 | 150 | 189 |
Trade payables | 1.44 | 1.68 | 1.86 | -- |
Other current liabilities | 18.90 | 19.10 | 20.80 | 252 |
Short term provisions | 1.65 | 1.22 | 1.04 | 23.60 |
Total Current liabilities | 168 | 167 | 174 | 464 |
Total Equities and Liabilities | 1,240 | 1,218 | 1,097 | 1,091 |
Fixed Assets | 76.60 | 79.40 | 83.90 | 63.50 |
Non-current investments | 26.70 | 26.60 | 27.80 | 25.70 |
Deferred tax assets (Net) | (0.40) | (2.20) | (3.80) | (2.50) |
Long-term loans and advances | -- | -- | -- | 10.70 |
Other non-current assets | 1,094 | 1,070 | 927 | -- |
Total Non-current assets | 1,196 | 1,174 | 1,034 | 97.40 |
Current investments | -- | -- | -- | 1.36 |
Trade receivables | 1.82 | 2.37 | 1.15 | 1.24 |
Cash and cash equivalents | 17.40 | 15.80 | 40.60 | 52 |
Short-term loans and advances | 24.40 | 25.30 | 20.70 | 37.40 |
Other current assets | -- | -- | -- | 902 |
Total Current assets | 43.60 | 43.50 | 62.40 | 994 |
Total Assets | 1,240 | 1,218 | 1,097 | 1,091 |
Particulars ( Rupees In Crores.) | Dec-2021 | Dec-2020 | Dec-2019 | Dec-2018 |
---|---|---|---|---|
Gross Sales | 135 | 126 | 125 | 122 |
Excise Duty | -- | -- | -- | -- |
Net Sales | 135 | 126 | 125 | 122 |
Other Operating Income | -- | -- | -- | -- |
Other Income | -- | -- | -- | 1.76 |
Total Income | 135 | 126 | 125 | 124 |
Total Expenditure ** | 41.40 | 35.30 | 36.90 | 34.60 |
PBIDT | 93.90 | 90.50 | 88.10 | 89.60 |
Interest | 80.80 | 78 | 74.70 | 75 |
PBDT | 13.10 | 12.60 | 13.40 | 14.70 |
Depreciation | 3.62 | 3.19 | 2.78 | 2.62 |
Tax | 4.73 | 3.69 | 3.45 | 4.77 |
Fringe Benefit Tax | -- | -- | -- | -- |
Deferred Tax | (2.20) | (1.50) | (1.50) | (1.20) |
Reported Profit After Tax | 6.92 | 7.20 | 8.65 | 8.44 |
Extra-ordinary Items | -- | -- | -- | -- |
Adjusted Profit After Extra-ordinary item | 6.92 | 7.20 | 8.65 | 8.44 |
EPS (Unit Curr.) | 1.11 | 1.12 | 1.66 | 1.63 |
EPS (Adj) (Unit Curr.) | 1.11 | 1.12 | 1.66 | 1.63 |
Calculated EPS (Unit Curr.) | 1.07 | 1.11 | 1.73 | 1.69 |
Calculated EPS (Adj) (Unit Curr.) | 1.07 | 1.11 | 1.73 | 1.69 |
Calculated EPS (Ann.) (Unit Curr.) | 1.43 | 1.48 | 2.31 | 2.25 |
Calculated EPS (Adj) (Ann.) (Unit Curr.) | 1.43 | 1.48 | 2.31 | 2.25 |
Book Value (Unit Curr.) | -- | -- | -- | -- |
Dividend (%) | -- | -- | -- | -- |
Equity | 64.70 | 64.70 | 50 | 50 |
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(%) | 69.40 | 72 | 70.50 | 73.20 |
PBDTM(%) | 9.71 | 10 | 10.70 | 12 |
PATM(%) | 5.11 | 5.73 | 6.92 | 6.89 |
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