Equity Analysis

Particulars	Sep 2024	Jun 2024	Mar 2024
Operating Income	512.98	477.31	407.58
Total Income	519.09	490.99	427.73
Interest	214.24	202.41	173.32
Employee Expenses	99.81	91.82	85.78
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	66.99	56.95	50.57
TOTAL OPERATING EXPENDITURE	381.04	351.18	309.67
Operating Profit Before Prov. & Cont.	138.05	139.81	118.06
Provisions & Write Offs	39.86	35.18	17.73
Depreciation	11.77	11.00	9.48
TOTAL EXPENDITURE	432.67	397.36	336.88
Tax	21.85	24.04	21.59
Fringe Benefit Tax	0.00	0.00	0.00
Deferred Tax	0.02	-0.64	1.60
Reported Profit After Tax	64.55	70.23	67.66
Extra-ordinary Items	0.00	0.00	0.00
Adjusted Profit After Extra-ordinary item	64.55	70.23	67.66
EPS (Unit Curr.)	1.74	1.90	1.83
EPS (Adj) (Unit Curr.)	1.74	1.90	1.83
Calculated EPS (Unit Curr.)	1.74	1.89	1.83
Calculated EPS (Adj) (Unit Curr.)	1.74	1.89	1.83
Calculated EPS (Ann.) (Unit Curr.)	6.94	7.58	7.33
Calculated EPS (Adj) (Ann.) (Unit Curr.)	6.94	7.58	7.33
Book Value (Unit Curr.)	64.60	62.60	61.20
Dividend (%)	0.00	0.00	0.00
Equity	371.92	370.79	369.39
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(%)	60.90	64.33	67.14
PBDTM(%)	19.14	21.92	24.62
PATM(%)	12.58	14.71	16.60
Net Interest Income	264.90	249.60	210.40
Operating Expenses	178.60	159.80	145.70
Loan Losses & Provision	0.00	0.00	0.00
Assets Under Management	14218.50	13188.10	12191.90
Return on Equity(%)	10.90	12.30	12.20
Operating Expenses to Net Interest Income(%)	0.00	0.00	0.00
Cost to Income Ratio	58.60	55.40	57.30
Loan Loss Provision Ratio	0.00	0.00	0.00
Loans Spreads(%)	8.30	8.10	0.00
Net Interest Margin(%)	0.00	0.00	0.00
Provision Coverage Ratio(%)	21.85	19.32	20.36
Capital Adequacy Ratio	21.40	22.84	23.46
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	1.87	1.97	1.66
(%) Net Non Performing Assets	1.47	1.60	1.33
Return on Assets(Annualised)	0.00	0.00	0.00
Return on Assets	2.10	2.40	2.50
Loans Disbursed(Amt Rs cr)	3810.40	5004.60	4336.10
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	1.73	1.88	1.81