BOM:530265 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	173.77	166.71	152.49	180.25	156.2	207.86
Total Interest Expense	99.7	93.77	100.06	149.62	176.73	168.99
Net Interest Income	74.07	72.94	52.43	30.63	-20.53	38.88
Gain (Loss) on Sale of Investments	-	-	0.01	0.03	0	-
Revenue Before Loan Losses	74.07	72.94	52.44	30.65	-20.52	38.88
Provision for Loan Losses	4.11	-2.48	14.13	-78.26	62.16	83.45
Revenue	69.97	75.42	38.31	108.92	-82.68	-44.58
Revenue Growth (YoY)	29.98%	96.86%	-64.83%	-	-	-
Salaries & Employee Benefits	11.1	10.74	9.34	7.2	7.02	6.23
Cost of Services Provided	-0.09	-0.09	-0.09	0.13	0.1	0.13
Other Operating Expenses	4.25	3.02	3.04	80.34	4.23	4.98
Total Operating Expenses	15.26	13.66	12.29	87.68	11.34	11.38
Operating Income	54.7	61.76	26.02	21.24	-94.02	-55.96
EBT Excluding Unusual Items	54.72	62.33	26.79	23.38	-92.2	-53.49
Pretax Income	54.72	62.33	26.79	23.38	-92.2	-15.68
Income Tax Expense	-1.09	0.57	6.74	24.26	-10.95	-6.13
Net Income	55.81	61.76	20.05	-0.88	-81.25	-9.55
Net Income to Common	55.81	61.76	20.05	-0.88	-81.25	-9.55
Net Income Growth	39.67%	208.10%	-	-	-	-
Shares Outstanding (Basic)	11	11	11	11	11	11
Shares Outstanding (Diluted)	11	11	11	11	11	11
Shares Change (YoY)	-0.13%	-	-	-	-	-
EPS (Basic)	5.14	5.68	1.84	-0.08	-7.47	-0.88
EPS (Diluted)	5.14	5.68	1.84	-0.08	-7.47	-0.88
EPS Growth	39.85%	208.10%	-	-	-	-
Free Cash Flow	-	168.16	13.8	1,135	-463.81	117.64
Free Cash Flow Per Share	-	15.46	1.27	104.31	-42.63	10.81
Operating Margin	78.18%	81.88%	67.93%	19.50%	-	-
Profit Margin	79.76%	81.89%	52.33%	-0.80%	-	-
Free Cash Flow Margin	-	222.96%	36.03%	1041.96%	-	-
Effective Tax Rate	-	0.91%	25.16%	103.74%	-	-
Revenue as Reported	173.79	167.28	153.26	182.42	158.03	248.25

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