Equity Analysis

Particulars	Sep 2024	Jun 2024	Mar 2024
Operating Income	10089.54	9592.34	9483.71
Total Income	10096.68	9597.07	9497.85
Interest	4350.42	4128.91	3989.83
Employee Expenses	906.67	868.35	824.91
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	694.21	592.19	624.04
TOTAL OPERATING EXPENDITURE	5951.30	5589.45	5438.78
Operating Profit Before Prov. & Cont.	4145.38	4007.62	4059.07
Provisions & Write Offs	1234.99	1187.55	1261.48
Depreciation	158.86	153.48	153.47
TOTAL EXPENDITURE	7345.15	6930.48	6853.73
Tax	815.19	995.29	1001.68
Fringe Benefit Tax	0.00	0.00	0.00
Deferred Tax	-134.92	-309.29	-303.43
Reported Profit After Tax	2071.26	1980.59	1945.87
Extra-ordinary Items	0.00	0.00	0.00
Adjusted Profit After Extra-ordinary item	2071.26	1980.59	1945.87
EPS (Unit Curr.)	55.09	52.70	51.79
EPS (Adj) (Unit Curr.)	55.09	52.70	51.79
Calculated EPS (Unit Curr.)	55.09	52.69	51.78
Calculated EPS (Adj) (Unit Curr.)	55.09	52.69	51.78
Calculated EPS (Ann.) (Unit Curr.)	220.35	210.75	207.12
Calculated EPS (Adj) (Ann.) (Unit Curr.)	220.35	210.75	207.12
Book Value (Unit Curr.)	0.00	1344.99	1292.42
Dividend (%)	220.00	0.00	0.00
Equity	375.99	375.91	375.79
Reserve & Surplus	51759.62	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(%)	71.96	72.44	71.57
PBDTM(%)	28.85	29.40	29.50
PATM(%)	20.53	20.65	20.52
Net Interest Income	0.00	5354.47	5336.06
Operating Expenses	0.00	706.07	729.18
Loan Losses & Provision	1264.99	1187.55	1261.48
Assets Under Management	2430425.50	233443.63	224861.98
Return on Equity(%)	16.00	16.03	16.37
Operating Expenses to Net Interest Income(%)	0.00	0.00	0.00
Cost to Income Ratio	27.95	27.45	26.68
Loan Loss Provision Ratio	0.00	0.00	0.00
Loans Spreads(%)	0.00	0.00	0.00
Net Interest Margin(%)	8.74	8.79	9.02
Provision Coverage Ratio(%)	51.70	51.15	51.79
Capital Adequacy Ratio	20.16	20.29	20.30
Tier I Capital	19.36	19.47	19.55
Tier II Capital	0.80	0.82	0.75
Gross Non Performing Assets	0.00	0.00	0.00
Net Non Performing Assets	0.00	0.00	0.00
(%) Gross Non Performing Assets	5.32	5.39	5.45
(%) Net Non Performing Assets	2.64	2.71	2.70
Return on Assets(Annualised)	0.00	0.00	0.00
Return on Assets	3.06	3.12	3.19
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)	2398225.30	230246.20	221667.66
Dividend Per Share(Rs)	22.00	0.00	0.00
Diluted EPS	55.01	52.60	51.69