BOM:511533 Income Statement

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

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Interest and Dividend Income	71.21	85.81	105.77	111.4	123.44
Total Interest Expense	16.21	26.64	36.67	45.14	48.67
Net Interest Income	55	59.17	69.11	66.25	74.77
Gain (Loss) on Sale of Investments	-	-	0.02	0.05	0.03
Other Revenue	0.47	0.48	0.48	0.58	3.24
Revenue Before Loan Losses	55.47	59.65	69.6	66.88	78.03
Provision for Loan Losses	-	-1.39	-0.07	-4.25	6.96
Revenue	55.47	61.03	69.67	71.13	71.08
Revenue Growth (YoY)	-9.11%	-12.39%	-2.06%	0.08%	-6.79%
Salaries & Employee Benefits	30.16	29.43	30.06	29.86	29.92
Cost of Services Provided	-	4.31	3.89	3.7	3.36
Other Operating Expenses	17.95	15.44	12.78	11.82	10.6
Total Operating Expenses	51.5	53.03	51.17	50.26	48.78
Operating Income	3.97	8	18.5	20.87	22.29
EBT Excluding Unusual Items	3.97	8	18.5	20.87	21.8
Pretax Income	3.97	8	18.5	20.87	21.8
Income Tax Expense	0.53	1.52	4.45	6.71	3.95
Net Income	3.44	6.48	14.05	14.16	17.85
Net Income to Common	3.44	6.48	14.05	14.16	17.85
Net Income Growth	-46.96%	-53.83%	-0.81%	-20.67%	-14.70%
Shares Outstanding (Basic)	7	7	7	7	7
Shares Outstanding (Diluted)	7	7	7	7	7
Shares Change (YoY)	0.26%	-	-	-	-
EPS (Basic)	0.49	0.93	2.01	2.02	2.55
EPS (Diluted)	0.49	0.93	2.01	2.02	2.55
EPS Growth	-47.10%	-53.83%	-0.81%	-20.67%	-14.70%
Free Cash Flow	94.86	240.53	37.47	101.26	29.55
Free Cash Flow Per Share	13.52	34.36	5.35	14.47	4.22
Operating Margin	7.16%	13.11%	26.55%	29.34%	31.36%
Profit Margin	6.20%	10.62%	20.16%	19.91%	25.11%
Free Cash Flow Margin	171.00%	394.09%	53.78%	142.36%	41.58%
Effective Tax Rate	13.42%	18.98%	24.06%	32.15%	18.13%
Revenue as Reported	71.68	86.28	106.27	112.03	126.7