Equity Analysis

Particulars	Dec 2024	Sep 2024	Jun 2024
Operating Income	13043.69	13206.57	11910.10
Total Income	13052.53	13215.31	11916.24
Interest	7723.05	7500.68	7499.01
Employee Expenses	64.04	58.94	62.87
Selling & Administrative Expenses	0.00	0.00	0.00
Impairment of Assets	0.00	0.00	0.00
Loss on Forex Transaction	-45.71	309.96	-58.87
Other Expenses	151.96	13.05	-191.74
TOTAL OPERATING EXPENDITURE	7893.34	7882.63	7311.27
Operating Profit Before Prov. & Cont.	5159.19	5332.68	4604.97
Provisions & Write Offs	74.48	-124.10	62.02
Depreciation	5.41	4.29	3.68
TOTAL EXPENDITURE	7973.23	7762.82	7376.97
Tax	928.18	883.34	790.81
Fringe Benefit Tax	0.00	0.00	0.00
Deferred Tax	-3.80	198.71	30.58
Reported Profit After Tax	4154.92	4370.44	3717.88
Extra-ordinary Items	0.00	0.00	0.00
Adjusted Profit After Extra-ordinary item	4154.92	4370.44	3717.88
EPS (Unit Curr.)	12.59	13.24	11.27
EPS (Adj) (Unit Curr.)	12.59	13.24	11.27
Calculated EPS (Unit Curr.)	12.59	13.24	11.27
Calculated EPS (Adj) (Unit Curr.)	12.59	13.24	11.27
Calculated EPS (Ann.) (Unit Curr.)	50.36	52.97	45.06
Calculated EPS (Adj) (Ann.) (Unit Curr.)	50.36	52.97	45.06
Book Value (Unit Curr.)	267.76	260.37	252.31
Dividend (%)	35.00	35.00	32.50
Equity	3300.10	3300.10	3300.10
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(%)	98.19	98.11	101.11
PBDTM(%)	38.98	41.32	38.14
PATM(%)	31.85	33.09	31.22
Net Interest Income	4694.00	4408.00	4328.00
Operating Expenses	0.00	0.00	0.00
Loan Losses & Provision	0.00	0.00	0.00
Assets Under Management	0.00	0.00	0.00
Return on Equity(%)	0.00	0.00	0.00
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	3.55
Provision Coverage Ratio(%)	0.00	0.00	0.00
Capital Adequacy Ratio	24.15	24.38	27.10
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	2.68	2.71	3.38
(%) Net Non Performing Assets	0.71	0.72	0.87
Return on Assets(Annualised)	0.00	0.00	0.00
Return on Assets	0.00	0.00	0.00
Loans Disbursed(Amt Rs cr)	34151.00	46663.00	19483.00
Loans Sanctioned/Approved(Amt Rs cr)	0.00	0.00	0.00
Loan Book(Amt Rs cr)	503823.71	493363.00	475004.05
Dividend Per Share(Rs)	3.50	3.50	3.25
Diluted EPS	12.59	13.24	11.27