Equity Analysis

Particulars	Dec 2024	Sep 2024	Jun 2024
Operating Income	53.39	54.06	51.09
Total Income	53.70	54.31	51.36
Interest	17.19	15.54	14.26
Employee Expenses	6.96	6.37	6.20
Selling & Administrative Expenses	0.00	0.00	0.00
Impairment of Assets	0.00	0.00	0.00
Loss on Forex Transaction	0.00	0.00	0.00
Other Expenses	3.37	3.09	2.24
TOTAL OPERATING EXPENDITURE	27.52	25.00	22.70
Operating Profit Before Prov. & Cont.	26.18	29.31	28.66
Provisions & Write Offs	3.18	4.14	3.62
Depreciation	0.44	0.45	0.39
TOTAL EXPENDITURE	31.14	29.59	26.71
Tax	5.44	6.71	6.34
Fringe Benefit Tax	0.00	0.00	0.00
Deferred Tax	0.34	0.15	-0.17
Reported Profit After Tax	16.77	17.85	18.49
Extra-ordinary Items	0.00	0.00	0.00
Adjusted Profit After Extra-ordinary item	16.77	17.85	18.49
EPS (Unit Curr.)	7.36	7.84	8.12
EPS (Adj) (Unit Curr.)	7.36	7.84	8.12
Calculated EPS (Unit Curr.)	7.47	7.95	8.23
Calculated EPS (Adj) (Unit Curr.)	7.47	7.95	8.23
Calculated EPS (Ann.) (Unit Curr.)	29.88	31.80	32.93
Calculated EPS (Adj) (Ann.) (Unit Curr.)	29.88	31.80	32.93
Book Value (Unit Curr.)	229.37	221.98	216.64
Dividend (%)	0.00	0.00	0.00
Equity	22.46	22.46	22.46
Reserve & Surplus	0.00	0.00	0.00
Face Value	10.00	10.00	10.00
Public Shareholding (No. Of Shares)	0.00	0.00	0.00
Public Shareholding (% in Equity)	0.00	0.00	0.00
Pledged/Encumbered - No. of Shares	0.00	0.00	0.00
Pledged/Encumbered - % in Total Promoters Holding	0.00	0.00	0.00
Pledged/Encumbered - % in Total Equity	0.00	0.00	0.00
Non Encumbered - No. of Shares	0.00	0.00	0.00
Non Encumbered - % in Total Promoters Holding	0.00	0.00	0.00
Non Encumbered - % in Total Equity	0.00	0.00	0.00
PBIDTM(%)	75.28	75.31	76.92
PBDTM(%)	43.06	46.56	49.01
PATM(%)	31.41	33.02	36.19
Net Interest Income	35.40	36.80	36.20
Operating Expenses	0.00	0.00	0.00
Loan Losses & Provision	0.00	0.00	0.00
Assets Under Management	1150.00	1083.00	1065.00
Return on Equity(%)	13.05	14.29	15.06
Operating Expenses to Net Interest Income(%)	0.00	0.00	0.00
Cost to Income Ratio	0.00	0.00	0.00
Loan Loss Provision Ratio	0.00	0.00	0.00
Loans Spreads(%)	0.00	0.00	0.00
Net Interest Margin(%)	0.00	0.00	0.00
Provision Coverage Ratio(%)	300.00	224.00	262.00
Capital Adequacy Ratio	47.29	49.11	49.68
Tier I Capital	0.00	0.00	0.00
Tier II Capital	0.00	0.00	0.00
Gross Non Performing Assets	0.00	0.00	0.00
Net Non Performing Assets	0.00	0.00	0.00
(%) Gross Non Performing Assets	0.38	0.54	0.45
(%) Net Non Performing Assets	0.23	0.32	0.26
Return on Assets(Annualised)	0.00	0.00	0.00
Return on Assets	5.96	6.60	7.30
Loans Disbursed(Amt Rs cr)	280.00	293.93	258.34
Loans Sanctioned/Approved(Amt Rs cr)	0.00	0.00	0.00
Loan Book(Amt Rs cr)	1100.00	1041.00	1006.00
Dividend Per Share(Rs)	0.00	0.00	0.00
Diluted EPS	7.28	7.75	8.03