Equity Analysis

Particulars	Sep 2024	Jun 2024	Mar 2024
Operating Income	579.16	542.39	546.02
Total Income	580.45	542.56	546.80
Interest	248.85	235.17	221.56
Employee Expenses	83.61	91.55	95.86
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	44.21	37.79	38.47
TOTAL OPERATING EXPENDITURE	376.67	364.51	355.89
Operating Profit Before Prov. & Cont.	203.78	178.05	190.91
Provisions & Write Offs	4.83	8.58	4.32
Depreciation	8.93	8.51	9.10
TOTAL EXPENDITURE	390.43	381.60	369.31
Tax	36.63	37.33	30.69
Fringe Benefit Tax	0.00	0.00	0.00
Deferred Tax	5.48	-2.48	4.19
Reported Profit After Tax	147.91	126.10	142.62
Extra-ordinary Items	0.00	0.00	0.00
Adjusted Profit After Extra-ordinary item	147.91	126.10	142.62
EPS (Unit Curr.)	18.69	15.93	18.02
EPS (Adj) (Unit Curr.)	18.69	15.93	18.02
Calculated EPS (Unit Curr.)	18.69	15.93	18.02
Calculated EPS (Adj) (Unit Curr.)	18.69	15.93	18.02
Calculated EPS (Ann.) (Unit Curr.)	74.75	63.74	72.08
Calculated EPS (Adj) (Ann.) (Unit Curr.)	74.75	63.74	72.08
Book Value (Unit Curr.)	511.50	493.20	476.80
Dividend (%)	0.00	0.00	0.00
Equity	79.14	79.14	79.14
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(%)	77.32	74.60	74.75
PBDTM(%)	34.35	31.24	34.17
PATM(%)	25.54	23.25	26.12
Net Interest Income	0.00	0.00	0.00
Operating Expenses	134.57	136.83	142.20
Loan Losses & Provision	0.00	0.00	0.00
Assets Under Management	18395.60	17841.50	17312.60
Return on Equity(%)	0.00	13.14	0.00
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	5.00	5.06
Net Interest Margin(%)	7.31	7.31	8.00
Provision Coverage Ratio(%)	59.11	61.90	64.33
Capital Adequacy Ratio	46.48	44.48	43.99
Tier I Capital	46.24	44.24	43.76
Tier II Capital	0.24	0.24	0.23
Gross Non Performing Assets	0.00	0.00	0.00
Net Non Performing Assets	0.00	0.00	0.00
(%) Gross Non Performing Assets	1.08	1.01	0.94
(%) Net Non Performing Assets	0.78	0.72	0.67
Return on Assets(Annualised)	0.00	0.00	0.00
Return on Assets	0.00	3.01	3.16
Loans Disbursed(Amt Rs cr)	0.00	1210.90	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	18.67	15.92	18.00