Equity Analysis

Particulars	Dec 2024	Sep 2024	Jun 2024
Operating Income	727.38	702.05	666.14
Total Income	731.05	705.84	669.38
Interest	171.35	163.14	158.19
Employee Expenses	129.20	124.84	122.81
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	33.74	31.21	27.29
TOTAL OPERATING EXPENDITURE	334.29	319.19	308.29
Operating Profit Before Prov. & Cont.	396.76	386.65	361.09
Provisions & Write Offs	23.29	21.77	18.53
Depreciation	8.34	6.67	6.37
TOTAL EXPENDITURE	365.92	347.63	333.19
Tax	88.80	98.71	91.88
Fringe Benefit Tax	0.00	0.00	0.00
Deferred Tax	2.47	-8.44	-7.26
Reported Profit After Tax	273.86	267.94	251.57
Extra-ordinary Items	0.00	0.00	0.00
Adjusted Profit After Extra-ordinary item	273.86	267.94	251.57
EPS (Unit Curr.)	9.36	9.16	8.60
EPS (Adj) (Unit Curr.)	9.36	9.16	8.60
Calculated EPS (Unit Curr.)	9.33	9.16	8.60
Calculated EPS (Adj) (Unit Curr.)	9.33	9.16	8.60
Calculated EPS (Ann.) (Unit Curr.)	37.33	36.64	34.41
Calculated EPS (Adj) (Ann.) (Unit Curr.)	37.33	36.64	34.41
Book Value (Unit Curr.)	0.00	191.72	182.56
Dividend (%)	0.00	0.00	0.00
Equity	29.34	29.25	29.24
Reserve & Surplus	0.00	0.00	0.00
Face Value	1.00	1.00	1.00
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(%)	74.90	75.21	75.17
PBDTM(%)	51.34	51.97	51.42
PATM(%)	37.65	38.17	37.77
Net Interest Income	0.00	542.70	511.20
Operating Expenses	0.00	16.27	156.50
Loan Losses & Provision	0.00	21.80	18.50
Assets Under Management	0.00	10927.20	10343.90
Return on Equity(%)	0.00	19.02	18.95
Operating Expenses to Net Interest Income(%)	0.00	0.00	0.00
Cost to Income Ratio	0.00	34.18	34.34
Loan Loss Provision Ratio	0.00	0.68	0.61
Loans Spreads(%)	0.00	0.00	0.00
Net Interest Margin(%)	0.00	16.93	16.72
Provision Coverage Ratio(%)	0.00	70.12	52.08
Capital Adequacy Ratio	0.00	48.73	48.43
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	0.00	0.00	0.00
(%) Net Non Performing Assets	0.00	0.00	0.00
Return on Assets(Annualised)	0.00	0.00	0.00
Return on Assets	0.00	8.36	8.23
Loans Disbursed(Amt Rs cr)	0.00	1250.70	1318.20
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	9.35	9.07	8.53