Karnavati Finance 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	53.08	15.54	30.41	27.75	21.95
Total Interest Expense	38.74	11.53	15.87	3.34	0.05
Net Interest Income	14.34	4.01	14.54	24.41	21.91
Commissions and Fees	-	-	-	0.71	2.04
Other Revenue	0.01	0.19	0.03	0.01	0.75
Revenue Before Loan Losses	14.35	4.2	14.57	25.13	24.7
Provision for Loan Losses	65.74	-	-	-	-
Revenue	-51.39	4.2	14.57	25.13	24.7
Revenue Growth (YoY)	-	-71.17%	-42.04%	1.74%	151.75%
Salaries & Employee Benefits	3.26	1.8	7.12	6.81	3.88
Cost of Services Provided	-	0.52	0.67	3.15	0.67
Other Operating Expenses	2.8	18.67	22.48	7.63	16.03
Total Operating Expenses	6.07	20.99	30.3	17.66	20.65
Operating Income	-57.46	-16.79	-15.74	7.48	4.05
EBT Excluding Unusual Items	-57.46	-16.79	-15.74	7.48	4.05
Pretax Income	-57.46	-16.79	-15.74	7.48	4.05
Income Tax Expense	1.55	0.01	0.94	1.87	1.02
Net Income	-59.01	-16.81	-16.68	5.61	3.03
Net Income to Common	-59.01	-16.81	-16.68	5.61	3.03
Net Income Growth	-	-	-	85.12%	145.43%
Shares Outstanding (Basic)	100	101	101	101	101
Shares Outstanding (Diluted)	100	101	101	101	101
Shares Change (YoY)	-0.49%	-	-	-	-
EPS (Basic)	-0.59	-0.17	-0.17	0.06	0.03
EPS (Diluted)	-0.59	-0.17	-0.17	0.06	0.03
EPS Growth	-	-	-	85.12%	151.32%
Free Cash Flow	-448.43	54.8	-27.94	-94.45	42.5
Free Cash Flow Per Share	-4.48	0.55	-0.28	-0.94	0.42
Operating Margin	-	-399.95%	-108.05%	29.75%	16.39%
Profit Margin	-	-400.24%	-114.52%	22.33%	12.27%
Free Cash Flow Margin	-	1305.10%	-191.84%	-375.80%	172.04%
Effective Tax Rate	-	-	-	24.96%	25.16%
Revenue as Reported	53.09	15.73	30.44	28.47	24.75