Equity Analysis

Particulars	Dec 2024	Sep 2024	Jun 2024
Operating Income	939.92	983.52	1011.81
Total Income	943.89	988.04	1014.96
Interest	432.52	387.15	429.76
Employee Expenses	196.54	195.99	175.78
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	201.02	807.88	319.70
TOTAL OPERATING EXPENDITURE	830.08	1391.02	925.24
Operating Profit Before Prov. & Cont.	113.81	-402.98	89.72
Provisions & Write Offs	59.83	154.73	87.38
Depreciation	33.00	33.11	33.46
TOTAL EXPENDITURE	922.91	1578.86	1046.08
Tax	-16.57	32.31	54.52
Fringe Benefit Tax	0.00	0.00	0.00
Deferred Tax	21.58	-181.83	-62.98
Reported Profit After Tax	15.97	-441.30	-22.66
Extra-ordinary Items	0.00	-554.43	0.00
Adjusted Profit After Extra-ordinary item	15.97	113.13	-22.66
EPS (Unit Curr.)	0.38	-10.40	-0.57
EPS (Adj) (Unit Curr.)	0.38	-10.40	-0.57
Calculated EPS (Unit Curr.)	0.38	-10.40	-0.53
Calculated EPS (Adj) (Unit Curr.)	0.38	-10.40	-0.53
Calculated EPS (Ann.) (Unit Curr.)	1.50	-41.61	-2.14
Calculated EPS (Adj) (Ann.) (Unit Curr.)	1.50	-41.61	-2.14
Book Value (Unit Curr.)	0.00	0.00	0.00
Dividend (%)	0.00	0.00	0.00
Equity	84.90	84.85	84.84
Reserve & Surplus	0.00	0.00	0.00
Face Value	2.00	2.00	2.00
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(%)	51.76	-17.34	42.71
PBDTM(%)	5.74	-56.71	0.23
PATM(%)	1.70	-44.87	-2.24
Net Interest Income	310.00	285.10	240.90
Operating Expenses	344.80	333.60	354.90
Loan Losses & Provision	59.80	154.70	87.40
Assets Under Management	21467.00	17382.00	20498.00
Return on Equity(%)	0.00	0.00	0.30
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(%)	61.12	55.78	0.00
Capital Adequacy Ratio	21.96	26.26	27.81
Tier I Capital	16.69	20.07	21.88
Tier II Capital	5.27	6.19	5.93
Gross Non Performing Assets	0.00	0.00	0.00
Net Non Performing Assets	0.00	0.00	0.00
(%) Gross Non Performing Assets	2.30	2.93	3.05
(%) Net Non Performing Assets	0.91	1.32	1.48
Return on Assets(Annualised)	0.00	0.00	0.00
Return on Assets	0.00	0.00	-1.50
Loans Disbursed(Amt Rs cr)	0.00	0.00	0.00
Loans Sanctioned/Approved(Amt Rs cr)	0.00	0.00	0.00
Loan Book(Amt Rs cr)	0.00	0.00	0.00
Dividend Per Share(Rs)	0.00	0.00	0.00
Diluted EPS	0.37	-10.40	-0.57