India Home Loan 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	141.55	129.39	115.42	214.81	287.85	303.14
Total Interest Expense	73.94	76.07	94.87	128.34	160.98	198.05
Net Interest Income	67.61	53.32	20.55	86.47	126.87	105.09
Commissions and Fees	6.63	6.63	4.2	7.29	10.05	8.11
Gain (Loss) on Sale of Investments	-	-	-	-	-	0
Other Revenue	-0.18	0.47	0.71	9.78	4.5	-
Revenue Before Loan Losses	74.07	60.42	25.45	103.54	141.42	113.2
Provision for Loan Losses	0.39	1.91	-17.18	-16.66	20.44	30.37
Revenue	73.67	58.5	42.63	120.2	120.98	82.83
Revenue Growth (YoY)	-28.86%	37.22%	-64.53%	-0.65%	46.06%	-26.82%
Salaries & Employee Benefits	30.52	27.73	28.15	33.17	31.76	34.96
Cost of Services Provided	2.4	2.4	3.78	2.34	3.3	8.13
Other Operating Expenses	36.04	22.86	42.34	69.21	40.95	22.56
Total Operating Expenses	72.01	55.29	76.15	110.34	81.34	67.99
Operating Income	1.67	3.21	-33.52	9.86	39.64	14.84
EBT Excluding Unusual Items	1.66	3.21	-33.52	9.86	39.64	14.84
Pretax Income	1.92	3.47	-33.69	9.86	39.64	14.84
Income Tax Expense	0.98	0.74	0.75	3.8	20.49	3.62
Net Income	0.95	2.73	-34.45	6.05	19.16	11.22
Net Income to Common	0.95	2.73	-34.45	6.05	19.16	11.22
Net Income Growth	-	-	-	-68.39%	70.72%	-60.00%
Shares Outstanding (Basic)	15	14	14	14	14	14
Shares Outstanding (Diluted)	15	14	14	14	14	14
Shares Change (YoY)	6.80%	-	-	-	-	-10.07%
EPS (Basic)	0.06	0.19	-2.41	0.42	1.34	0.79
EPS (Diluted)	0.06	0.19	-2.41	0.42	1.34	0.79
EPS Growth	-	-	-	-68.66%	70.56%	-55.61%
Free Cash Flow	-	117.76	309.05	344.8	400.09	75.91
Free Cash Flow Per Share	-	8.25	21.64	24.14	28.01	5.32
Dividend Per Share	-	-	-	-	-	0.100
Dividend Growth	-	-	-	-	-	-33.33%
Operating Margin	2.26%	5.49%	-78.61%	8.20%	32.77%	17.92%
Profit Margin	1.29%	4.66%	-80.79%	5.04%	15.83%	13.55%
Free Cash Flow Margin	-	201.30%	724.89%	286.86%	330.71%	91.65%
Effective Tax Rate	50.77%	21.39%	-	38.58%	51.68%	24.41%
Revenue as Reported	148.4	136.88	121.12	231.87	304.87	311.25

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