Equity Analysis

Particulars	Sep 2024	Jun 2024	Mar 2024
Operating Income	14146.54	13386.23	12486.59
Total Income	17035.90	13725.74	12764.43
Interest	4544.31	4201.59	3860.80
Employee Expenses	1683.37	1631.59	1503.49
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	1518.54	1432.99	1377.48
TOTAL OPERATING EXPENDITURE	7746.22	7266.17	6741.77
Operating Profit Before Prov. & Cont.	9289.68	6459.57	6022.66
Provisions & Write Offs	1903.30	1671.36	1277.51
Depreciation	195.66	185.77	178.69
TOTAL EXPENDITURE	9845.18	9123.30	8197.97
Tax	1527.44	1404.80	1141.00
Fringe Benefit Tax	0.00	0.00	0.00
Deferred Tax	49.57	-203.90	23.55
Reported Profit After Tax	5613.71	3401.54	3401.91
Extra-ordinary Items	1986.16	0.00	0.00
Adjusted Profit After Extra-ordinary item	3627.55	3401.54	3401.91
EPS (Unit Curr.)	90.76	55.03	55.07
EPS (Adj) (Unit Curr.)	90.76	55.03	55.07
Calculated EPS (Unit Curr.)	90.74	55.00	55.05
Calculated EPS (Adj) (Unit Curr.)	90.74	55.00	55.05
Calculated EPS (Ann.) (Unit Curr.)	362.97	219.99	220.19
Calculated EPS (Adj) (Ann.) (Unit Curr.)	362.97	219.99	220.19
Book Value (Unit Curr.)	0.00	0.00	0.00
Dividend (%)	0.00	0.00	0.00
Equity	123.73	123.70	123.60
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(%)	84.34	67.16	68.92
PBDTM(%)	52.21	35.77	38.00
PATM(%)	39.68	25.41	27.24
Net Interest Income	8054.00	7647.00	7340.00
Operating Expenses	3397.00	3250.00	3060.00
Loan Losses & Provision	1903.00	1671.00	1278.00
Assets Under Management	275043.00	261828.00	244826.00
Return on Equity(%)	17.98	18.42	19.37
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	0.00
Provision Coverage Ratio(%)	57.00	56.00	57.00
Capital Adequacy Ratio	21.69	21.70	22.52
Tier I Capital	20.90	20.70	21.51
Tier II Capital	0.79	1.00	1.01
Gross Non Performing Assets	0.00	0.00	0.00
Net Non Performing Assets	0.00	0.00	0.00
(%) Gross Non Performing Assets	1.33	1.06	1.05
(%) Net Non Performing Assets	0.58	0.47	0.46
Return on Assets(Annualised)	0.00	0.00	0.00
Return on Assets	5.16	5.41	4.80
Loans Disbursed(Amt Rs cr)	0.00	0.00	0.00
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)	0.00	0.00	0.00
Diluted EPS	90.53	54.87	54.88