Equity Analysis

Particulars	Mar 2024	Dec 2023	Sep 2023
Operating Income	407.58	413.45	394.79
Total Income	427.73	429.45	397.95
Interest	173.32	175.75	166.91
Employee Expenses	85.78	83.49	79.32
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	50.57	50.01	50.07
TOTAL OPERATING EXPENDITURE	309.67	309.25	296.30
Operating Profit Before Prov. & Cont.	118.06	120.20	101.65
Provisions & Write Offs	17.73	22.66	14.81
Depreciation	9.48	9.74	9.47
TOTAL EXPENDITURE	336.88	341.65	320.58
Tax	21.59	16.12	20.45
Fringe Benefit Tax	0.00	0.00	0.00
Deferred Tax	1.60	6.28	-0.84
Reported Profit After Tax	67.66	65.40	57.76
Extra-ordinary Items	0.00	0.00	0.00
Adjusted Profit After Extra-ordinary item	67.66	65.40	57.76
EPS (Unit Curr.)	1.83	1.92	1.78
EPS (Adj) (Unit Curr.)	1.83	1.92	1.78
Calculated EPS (Unit Curr.)	1.83	1.77	1.78
Calculated EPS (Adj) (Unit Curr.)	1.83	1.77	1.78
Calculated EPS (Ann.) (Unit Curr.)	7.33	7.09	7.13
Calculated EPS (Adj) (Ann.) (Unit Curr.)	7.33	7.09	7.13
Book Value (Unit Curr.)	61.20	58.60	46.20
Dividend (%)	0.00	0.00	0.00
Equity	369.39	368.96	323.94
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(%)	67.14	66.10	64.27
PBDTM(%)	24.62	23.59	22.00
PATM(%)	16.60	15.82	14.63
Net Interest Income	210.40	216.60	207.30
Operating Expenses	145.70	143.20	138.90
Loan Losses & Provision	0.00	0.00	0.00
Assets Under Management	12191.90	10713.90	10030.40
Return on Equity(%)	12.20	14.30	15.90
Operating Expenses to Net Interest Income(%)	0.00	0.00	0.00
Cost to Income Ratio	57.30	56.50	60.10
Loan Loss Provision Ratio	0.00	0.00	0.00
Loans Spreads(%)	0.00	8.70	8.80
Net Interest Margin(%)	0.00	0.00	0.00
Provision Coverage Ratio(%)	20.36	24.52	22.54
Capital Adequacy Ratio	23.46	25.79	19.70
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	1.66	2.19	2.34
(%) Net Non Performing Assets	1.33	1.66	1.83
Return on Assets(Annualised)	0.00	0.00	0.00
Return on Assets	2.50	2.50	2.40
Loans Disbursed(Amt Rs cr)	4336.10	3344.10	2932.90
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	1.81	1.89	1.78