Equity Analysis

Particulars	Dec 2024	Sep 2024	Jun 2024
Operating Income	4143.00	3897.48	3722.21
Total Income	4144.39	3925.06	3760.15
Interest	2045.88	1934.25	1828.58
Employee Expenses	489.17	446.04	470.34
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	317.35	281.93	262.94
TOTAL OPERATING EXPENDITURE	2852.40	2662.22	2561.86
Operating Profit Before Prov. & Cont.	1291.99	1262.84	1198.29
Provisions & Write Offs	9.14	703.46	448.16
Depreciation	70.27	66.73	63.75
TOTAL EXPENDITURE	2931.81	3432.41	3073.77
Tax	249.55	176.75	166.69
Fringe Benefit Tax	0.00	0.00	0.00
Deferred Tax	63.56	-53.57	6.73
Reported Profit After Tax	899.47	369.47	512.96
Extra-ordinary Items	0.00	0.00	0.00
Adjusted Profit After Extra-ordinary item	899.47	369.47	512.96
EPS (Unit Curr.)	7.28	2.99	4.16
EPS (Adj) (Unit Curr.)	7.28	2.99	4.16
Calculated EPS (Unit Curr.)	7.29	2.99	4.16
Calculated EPS (Adj) (Unit Curr.)	7.29	2.99	4.16
Calculated EPS (Ann.) (Unit Curr.)	29.14	11.97	16.62
Calculated EPS (Adj) (Ann.) (Unit Curr.)	29.14	11.97	16.62
Book Value (Unit Curr.)	155.60	148.00	151.20
Dividend (%)	0.00	0.00	0.00
Equity	246.93	246.93	246.88
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(%)	80.35	63.98	69.28
PBDTM(%)	30.96	14.35	20.15
PATM(%)	21.71	9.48	13.78
Net Interest Income	2097.00	1963.00	1894.00
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	41.30
Loan Loss Provision Ratio	0.00	0.00	0.00
Loans Spreads(%)	0.00	0.00	0.00
Net Interest Margin(%)	6.60	6.50	0.00
Provision Coverage Ratio(%)	50.10	59.48	59.80
Capital Adequacy Ratio	17.81	16.73	18.50
Tier I Capital	15.10	14.80	16.40
Tier II Capital	2.71	1.93	2.10
Gross Non Performing Assets	0.00	0.00	0.00
Net Non Performing Assets	0.00	0.00	0.00
(%) Gross Non Performing Assets	3.93	3.83	3.56
(%) Net Non Performing Assets	2.00	1.59	1.46
Return on Assets(Annualised)	0.00	0.00	0.00
Return on Assets	0.00	0.00	1.80
Loans Disbursed(Amt Rs cr)	16467.00	13162.00	12741.00
Loans Sanctioned/Approved(Amt Rs cr)	0.00	0.00	0.00
Loan Book(Amt Rs cr)	111630.00	108519.00	102811.00
Dividend Per Share(Rs)	0.00	0.00	0.00
Diluted EPS	7.27	2.98	4.15