BOM:530265 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	168.8	166.71	152.49	180.25	156.2
Total Interest Expense	104.95	93.77	100.06	149.62	176.73
Net Interest Income	63.85	72.94	52.43	30.63	-20.53
Gain (Loss) on Sale of Investments	-	-	0.01	0.03	0
Revenue Before Loan Losses	63.85	72.94	52.44	30.65	-20.52
Provision for Loan Losses	3.11	-2.48	14.13	-78.26	62.16
Revenue	60.74	75.42	38.31	108.92	-82.68
Revenue Growth (YoY)	-19.47%	96.86%	-64.83%	-	-
Salaries & Employee Benefits	13.03	10.74	9.34	7.2	7.02
Cost of Services Provided	-	-0.09	-0.09	0.13	0.1
Other Operating Expenses	4.22	3.02	3.04	80.34	4.23
Total Operating Expenses	17.25	13.66	12.29	87.68	11.34
Operating Income	43.49	61.76	26.02	21.24	-94.02
EBT Excluding Unusual Items	44.2	62.33	26.79	23.38	-92.2
Pretax Income	44.2	62.33	26.79	23.38	-92.2
Income Tax Expense	2.54	0.57	6.74	24.26	-10.95
Net Income	41.66	61.76	20.05	-0.88	-81.25
Net Income to Common	41.66	61.76	20.05	-0.88	-81.25
Net Income Growth	-32.55%	208.10%	-	-	-
Shares Outstanding (Basic)	11	11	11	11	11
Shares Outstanding (Diluted)	11	11	11	11	11
Shares Change (YoY)	-0.03%	-	-	-	-
EPS (Basic)	3.83	5.68	1.84	-0.08	-7.47
EPS (Diluted)	3.83	5.68	1.84	-0.08	-7.47
EPS Growth	-32.53%	208.10%	-	-	-
Free Cash Flow	-252.72	168.16	13.8	1,135	-463.81
Free Cash Flow Per Share	-23.24	15.46	1.27	104.31	-42.63
Operating Margin	71.60%	81.88%	67.93%	19.50%	-
Profit Margin	68.58%	81.89%	52.33%	-0.80%	-
Free Cash Flow Margin	-416.08%	222.96%	36.03%	1041.96%	-
Effective Tax Rate	5.76%	0.91%	25.16%	103.74%	-
Revenue as Reported	169.51	167.28	153.26	182.42	158.03