Equity Analysis

Particulars	Dec 2024	Sep 2024	Jun 2024
Operating Income	6709.21	6226.60	5784.71
Total Income	6812.35	6292.75	5828.97
Interest	3271.78	3055.13	2795.65
Employee Expenses	880.65	794.65	683.45
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	473.89	458.95	441.61
TOTAL OPERATING EXPENDITURE	4626.32	4308.73	3920.71
Operating Profit Before Prov. & Cont.	2186.03	1984.02	1908.26
Provisions & Write Offs	664.02	623.52	581.43
Depreciation	58.43	61.92	58.34
TOTAL EXPENDITURE	5348.77	4994.17	4560.48
Tax	470.57	384.52	355.05
Fringe Benefit Tax	0.00	0.00	0.00
Deferred Tax	-93.52	-48.99	-28.79
Reported Profit After Tax	1086.53	963.05	942.23
Extra-ordinary Items	0.00	0.00	0.00
Adjusted Profit After Extra-ordinary item	1086.53	963.05	942.23
EPS (Unit Curr.)	12.93	11.46	11.22
EPS (Adj) (Unit Curr.)	12.93	11.46	11.22
Calculated EPS (Unit Curr.)	12.92	11.45	11.21
Calculated EPS (Adj) (Unit Curr.)	12.92	11.45	11.21
Calculated EPS (Ann.) (Unit Curr.)	51.67	45.82	44.84
Calculated EPS (Adj) (Ann.) (Unit Curr.)	51.67	45.82	44.84
Book Value (Unit Curr.)	0.00	0.00	0.00
Dividend (%)	65.00	0.00	0.00
Equity	168.23	168.15	168.12
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(%)	71.45	70.92	71.27
PBDTM(%)	22.69	21.85	22.94
PATM(%)	16.19	15.47	16.29
Net Interest Income	0.00	0.00	0.00
Operating Expenses	0.00	0.00	0.00
Loan Losses & Provision	0.00	0.00	0.00
Assets Under Management	174567.00	164642.00	155442.00
Return on Equity(%)	19.70	18.20	18.90
Operating Expenses to Net Interest Income(%)	0.00	0.00	0.00
Cost to Income Ratio	39.90	40.60	39.00
Loan Loss Provision Ratio	1.40	1.40	1.50
Loans Spreads(%)	0.00	0.00	0.00
Net Interest Margin(%)	7.70	7.50	7.60
Provision Coverage Ratio(%)	34.42	35.42	35.36
Capital Adequacy Ratio	19.76	19.50	18.03
Tier I Capital	14.92	15.04	14.76
Tier II Capital	4.84	4.46	3.27
Gross Non Performing Assets	0.00	0.00	0.00
Net Non Performing Assets	0.00	0.00	0.00
(%) Gross Non Performing Assets	4.00	3.78	3.62
(%) Net Non Performing Assets	2.66	2.48	2.37
Return on Assets(Annualised)	0.00	0.00	0.00
Return on Assets	3.20	3.20	3.20
Loans Disbursed(Amt Rs cr)	25806.00	24314.00	24332.00
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)	1.30	0.00	0.00
Diluted EPS	12.89	11.43	11.19