Equity Analysis

Particulars	Dec 2024	Sep 2024	Jun 2024
Operating Income	1648.06	1601.17	1467.82
Total Income	1663.76	1612.10	1476.28
Interest	835.16	810.79	756.95
Employee Expenses	170.18	157.40	157.15
Selling & Administrative Expenses	55.86	60.59	50.90
Impairment of Assets	0.00	0.00	0.00
Loss on Forex Transaction	0.00	0.00	0.00
Other Expenses	0.00	0.00	0.00
TOTAL OPERATING EXPENDITURE	1061.20	1028.78	965.00
Operating Profit Before Prov. & Cont.	602.56	583.32	511.28
Provisions & Write Offs	91.18	78.10	73.36
Depreciation	43.98	40.02	35.76
TOTAL EXPENDITURE	1196.36	1146.90	1074.12
Tax	116.19	82.71	104.75
Fringe Benefit Tax	0.00	0.00	0.00
Deferred Tax	2.15	42.40	-10.24
Reported Profit After Tax	349.06	340.09	307.65
Extra-ordinary Items	0.00	0.00	0.00
Adjusted Profit After Extra-ordinary item	349.06	340.09	307.65
EPS (Unit Curr.)	31.42	30.61	27.69
EPS (Adj) (Unit Curr.)	31.42	30.61	27.69
Calculated EPS (Unit Curr.)	31.42	30.61	27.69
Calculated EPS (Adj) (Unit Curr.)	31.42	30.61	27.69
Calculated EPS (Ann.) (Unit Curr.)	125.67	122.44	110.77
Calculated EPS (Adj) (Ann.) (Unit Curr.)	125.67	122.44	110.77
Book Value (Unit Curr.)	966.80	952.90	901.40
Dividend (%)	140.00	0.00	0.00
Equity	111.10	111.10	111.10
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(%)	81.70	82.19	81.40
PBDTM(%)	31.03	31.55	29.83
PATM(%)	21.18	21.24	20.96
Net Interest Income	0.00	0.00	0.00
Operating Expenses	239.00	229.00	219.00
Loan Losses & Provision	0.00	0.00	0.00
Assets Under Management	50199.00	48058.00	45671.00
Return on Equity(%)	0.00	0.00	13.60
Operating Expenses to Net Interest Income(%)	0.00	0.00	0.00
Cost to Income Ratio	0.00	0.00	32.90
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(%)	0.00	45.00	47.00
Capital Adequacy Ratio	19.99	20.02	19.27
Tier I Capital	0.00	16.40	16.20
Tier II Capital	0.00	3.62	3.07
Gross Non Performing Assets	0.00	0.00	0.00
Net Non Performing Assets	0.00	0.00	0.00
(%) Gross Non Performing Assets	2.46	2.39	2.21
(%) Net Non Performing Assets	1.62	1.55	1.41
Return on Assets(Annualised)	0.00	0.00	0.00
Return on Assets	0.00	0.00	2.38
Loans Disbursed(Amt Rs cr)	7764.00	6860.00	6908.00
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)	14.00	0.00	0.00
Diluted EPS	31.42	30.61	27.69