Equity Analysis

Particulars	Dec 2024	Sep 2024	Jun 2024
Operating Income	10698.31	10089.54	9592.34
Total Income	12362.24	10096.68	9597.07
Interest	4751.26	4350.42	4128.91
Employee Expenses	970.41	906.67	868.35
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	736.90	694.21	592.19
TOTAL OPERATING EXPENDITURE	6458.57	5951.30	5589.45
Operating Profit Before Prov. & Cont.	5903.67	4145.38	4007.62
Provisions & Write Offs	1325.83	1234.99	1187.55
Depreciation	161.92	158.86	153.48
TOTAL EXPENDITURE	7946.32	7345.15	6930.48
Tax	1282.40	815.19	995.29
Fringe Benefit Tax	0.00	0.00	0.00
Deferred Tax	-436.24	-134.92	-309.29
Reported Profit After Tax	3569.76	2071.26	1980.59
Extra-ordinary Items	1175.64	0.00	0.00
Adjusted Profit After Extra-ordinary item	2394.12	2071.26	1980.59
EPS (Unit Curr.)	94.95	55.09	52.70
EPS (Adj) (Unit Curr.)	18.99	11.02	10.54
Calculated EPS (Unit Curr.)	94.93	55.09	52.69
Calculated EPS (Adj) (Unit Curr.)	18.99	11.02	10.54
Calculated EPS (Ann.) (Unit Curr.)	379.70	220.35	210.75
Calculated EPS (Adj) (Ann.) (Unit Curr.)	75.94	44.07	42.15
Book Value (Unit Curr.)	0.00	0.00	1344.99
Dividend (%)	125.00	220.00	0.00
Equity	376.06	375.99	375.91
Reserve & Surplus	0.00	51759.62	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(%)	87.20	71.96	72.44
PBDTM(%)	42.79	28.85	29.40
PATM(%)	33.37	20.53	20.65
Net Interest Income	0.00	0.00	5354.47
Operating Expenses	0.00	0.00	706.07
Loan Losses & Provision	0.00	1264.99	1187.55
Assets Under Management	0.00	2430425.50	233443.63
Return on Equity(%)	15.41	16.00	16.03
Operating Expenses to Net Interest Income(%)	0.00	0.00	0.00
Cost to Income Ratio	28.59	27.95	27.45
Loan Loss Provision Ratio	0.00	0.00	0.00
Loans Spreads(%)	0.00	0.00	0.00
Net Interest Margin(%)	8.48	8.74	8.79
Provision Coverage Ratio(%)	51.64	51.70	51.15
Capital Adequacy Ratio	21.00	20.16	20.29
Tier I Capital	20.34	19.36	19.47
Tier II Capital	0.66	0.80	0.82
Gross Non Performing Assets	0.00	0.00	0.00
Net Non Performing Assets	0.00	0.00	0.00
(%) Gross Non Performing Assets	5.38	5.32	5.39
(%) Net Non Performing Assets	2.68	2.64	2.71
Return on Assets(Annualised)	0.00	0.00	0.00
Return on Assets	4.94	3.06	3.12
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	2398225.30	230246.20
Dividend Per Share(Rs)	12.50	22.00	0.00
Diluted EPS	94.80	55.01	52.60