BOM:511533 Income Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Interest and Dividend Income	73.93	85.81	105.77	111.4	123.44	126.44
Total Interest Expense	17.75	26.64	36.67	45.14	48.67	52.27
Net Interest Income	56.18	59.17	69.11	66.25	74.77	74.17
Gain (Loss) on Sale of Investments	-	-	0.02	0.05	0.03	0.1
Other Revenue	0.52	0.48	0.48	0.58	3.24	7.63
Revenue Before Loan Losses	56.7	59.65	69.6	66.88	78.03	81.9
Provision for Loan Losses	-1.39	-1.39	-0.07	-4.25	6.96	5.64
Revenue	58.09	61.03	69.67	71.13	71.08	76.26
Revenue Growth (YoY)	-6.35%	-12.39%	-2.06%	0.08%	-6.79%	-4.77%
Salaries & Employee Benefits	27.75	29.43	30.06	29.86	29.92	30.38
Cost of Services Provided	4.31	4.31	3.89	3.7	3.36	2.88
Other Operating Expenses	16.6	15.44	12.78	11.82	10.6	10.57
Total Operating Expenses	52.26	53.03	51.17	50.26	48.78	49.04
Operating Income	5.82	8	18.5	20.87	22.29	27.22
EBT Excluding Unusual Items	5.82	8	18.5	20.87	21.8	25.74
Other Unusual Items	-	-	-	-	-	0.02
Pretax Income	5.82	8	18.5	20.87	21.8	25.76
Income Tax Expense	1.13	1.52	4.45	6.71	3.95	4.83
Net Income	4.7	6.48	14.05	14.16	17.85	20.93
Net Income to Common	4.7	6.48	14.05	14.16	17.85	20.93
Net Income Growth	-47.42%	-53.83%	-0.81%	-20.67%	-14.70%	0.75%
Shares Outstanding (Basic)	7	7	7	7	7	7
Shares Outstanding (Diluted)	7	7	7	7	7	7
EPS (Basic)	0.66	0.93	2.01	2.02	2.55	2.99
EPS (Diluted)	0.66	0.93	2.01	2.02	2.55	2.99
EPS Growth	-47.92%	-53.83%	-0.81%	-20.67%	-14.70%	0.75%
Free Cash Flow	-	240.53	37.47	101.26	29.55	68.52
Free Cash Flow Per Share	-	34.36	5.35	14.47	4.22	9.79
Operating Margin	10.03%	13.11%	26.55%	29.34%	31.36%	35.69%
Profit Margin	8.09%	10.62%	20.16%	19.91%	25.11%	27.44%
Free Cash Flow Margin	-	394.09%	53.78%	142.36%	41.58%	89.85%
Effective Tax Rate	19.33%	18.98%	24.06%	32.15%	18.13%	18.77%
Revenue as Reported	74.45	86.28	106.27	112.03	126.7	134.19

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.