Equity Analysis

Particulars	Sep 2024	Jun 2024	Mar 2024
Operating Income	175.93	175.42	181.84
Total Income	175.93	175.42	182.42
Interest	72.42	77.71	80.17
Employee Expenses	13.88	12.27	12.53
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	18.31	17.73	24.99
TOTAL OPERATING EXPENDITURE	104.61	107.71	117.69
Operating Profit Before Prov. & Cont.	71.32	67.71	64.73
Provisions & Write Offs	3.67	11.48	15.21
Depreciation	1.04	0.96	0.92
TOTAL EXPENDITURE	109.32	120.15	133.82
Tax	14.33	10.50	13.74
Fringe Benefit Tax	0.00	0.00	0.00
Deferred Tax	2.77	3.68	-1.04
Reported Profit After Tax	49.52	41.09	35.89
Extra-ordinary Items	0.00	0.00	0.42
Adjusted Profit After Extra-ordinary item	49.52	41.09	35.47
EPS (Unit Curr.)	0.55	0.46	0.78
EPS (Adj) (Unit Curr.)	0.55	0.46	0.78
Calculated EPS (Unit Curr.)	0.55	0.46	0.40
Calculated EPS (Adj) (Unit Curr.)	0.55	0.46	0.40
Calculated EPS (Ann.) (Unit Curr.)	2.21	1.83	1.60
Calculated EPS (Adj) (Ann.) (Unit Curr.)	2.21	1.83	1.60
Book Value (Unit Curr.)	15.61	15.06	14.60
Dividend (%)	0.00	0.00	0.00
Equity	89.80	89.80	89.80
Reserve & Surplus	0.00	0.00	0.00
Face Value	1.00	1.00	1.00
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(%)	79.62	76.35	71.32
PBDTM(%)	38.46	32.05	27.23
PATM(%)	28.15	23.42	19.74
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	4535.20	4600.10	4586.00
Return on Equity(%)	12.78	12.03	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	0.00	0.00
Net Interest Margin(%)	6.53	6.22	6.42
Provision Coverage Ratio(%)	0.00	0.00	0.00
Capital Adequacy Ratio	35.76	36.80	35.92
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	0.86	0.21	0.21
(%) Net Non Performing Assets	0.61	0.02	0.02
Return on Assets(Annualised)	0.00	0.00	0.00
Return on Assets	4.33	4.03	0.00
Loans Disbursed(Amt Rs cr)	1432.00	652.10	3590.20
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	0.55	0.46	0.78