Karnavati Finance 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	2016 - 2020
Period Ending	Jun '25 Jun 30, 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	2016 - 2020
Interest and Dividend Income	11.45	15.54	30.41	27.75	21.95	10.03	Upgrade
Total Interest Expense	10.6	11.53	15.87	3.34	0.05	0.49	Upgrade
Net Interest Income	0.85	4.01	14.54	24.41	21.91	9.54	Upgrade
Commissions and Fees	-	-	-	0.71	2.04	0.25	Upgrade
Other Revenue	0.19	0.19	0.03	0.01	0.75	0.02	Upgrade
Revenue Before Loan Losses	1.04	4.2	14.57	25.13	24.7	9.81	Upgrade
Provision for Loan Losses	19.81	-	-	-	-	-	Upgrade
Revenue	-18.77	4.2	14.57	25.13	24.7	9.81	Upgrade
Revenue Growth (YoY)	-	-71.17%	-42.04%	1.74%	151.75%	-60.78%	Upgrade
Salaries & Employee Benefits	1.3	1.8	7.12	6.81	3.88	3.09	Upgrade
Cost of Services Provided	0.19	0.52	0.67	3.15	0.67	0.22	Upgrade
Other Operating Expenses	1.89	18.67	22.48	7.63	16.03	6.27	Upgrade
Total Operating Expenses	3.38	20.99	30.3	17.66	20.65	9.71	Upgrade
Operating Income	-22.15	-16.79	-15.74	7.48	4.05	0.11	Upgrade
EBT Excluding Unusual Items	-22.15	-16.79	-15.74	7.48	4.05	0.11	Upgrade
Pretax Income	-22.15	-16.79	-15.74	7.48	4.05	2.05	Upgrade
Income Tax Expense	-0.43	0.01	0.94	1.87	1.02	0.81	Upgrade
Net Income	-21.72	-16.81	-16.68	5.61	3.03	1.24	Upgrade
Net Income to Common	-21.72	-16.81	-16.68	5.61	3.03	1.24	Upgrade
Net Income Growth	-	-	-	85.12%	145.43%	14.88%	Upgrade
Shares Outstanding (Basic)	91	101	101	101	101	101	Upgrade
Shares Outstanding (Diluted)	91	101	101	101	101	101	Upgrade
Shares Change (YoY)	-9.76%	-	-	-	-	-	Upgrade
EPS (Basic)	-0.24	-0.17	-0.17	0.06	0.03	0.01	Upgrade
EPS (Diluted)	-0.24	-0.17	-1.66	0.06	0.03	0.01	Upgrade
EPS Growth	-	-	-	85.12%	151.32%	12.19%	Upgrade
Free Cash Flow	-	54.8	-27.94	-94.45	42.5	57.06	Upgrade
Free Cash Flow Per Share	-	0.55	-0.28	-0.94	0.42	0.57	Upgrade
Operating Margin	-	-399.95%	-108.05%	29.75%	16.39%	1.09%	Upgrade
Profit Margin	-	-400.24%	-114.52%	22.33%	12.27%	12.59%	Upgrade
Free Cash Flow Margin	-	1305.10%	-191.84%	-375.80%	172.04%	581.49%	Upgrade
Effective Tax Rate	-	-	-	24.96%	25.16%	39.70%	Upgrade
Revenue as Reported	11.64	15.73	30.44	28.47	24.75	12.24	Upgrade

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