BOM:540168 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	Sep '25 Sep 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
Interest and Dividend Income	586.33	394.37	192.91	105.27	62.33	16.87
Total Interest Expense	250.68	181.69	92.11	50.15	28.61	7.69
Net Interest Income	335.64	212.68	100.8	55.12	33.72	9.18
Commissions and Fees	80.61	79.83	65.62	15.85	0.19	0.05
Other Revenue	6.98	3.04	0.4	1.71	0.86	0.88
Revenue Before Loan Losses	423.23	295.54	166.82	72.67	34.78	10.12
Provision for Loan Losses	15.31	5.81	3.41	0.65	3.48	1.26
Revenue	407.92	289.74	163.42	72.03	31.3	8.86
Revenue Growth (YoY)	73.85%	77.30%	126.89%	130.14%	253.27%	1516.61%
Salaries & Employee Benefits	249.74	183.07	98.07	37.88	10.09	4.39
Cost of Services Provided	5.94	5.94	7.92	1.15	1.74	0.02
Other Operating Expenses	56.25	43.32	22.67	12.84	9.5	3.74
Total Operating Expenses	365.6	279.82	156.69	64.47	23.66	9.2
Operating Income	42.32	9.92	6.73	7.55	7.64	-0.35
EBT Excluding Unusual Items	42.41	10.01	6.01	5.04	7.19	-0.35
Pretax Income	42.41	10.01	6.01	5.04	7.19	1.29
Income Tax Expense	4.72	-1.43	-0.67	2.46	2.09	0.33
Net Income	37.69	11.43	6.68	2.58	5.1	0.96
Net Income to Common	37.69	11.43	6.68	2.58	5.1	0.96
Net Income Growth	194.74%	71.12%	159.12%	-49.49%	434.45%	-
Shares Outstanding (Basic)	28	27	17	11	7	6
Shares Outstanding (Diluted)	28	27	17	11	7	6
Shares Change (YoY)	0.47%	59.16%	56.16%	45.94%	36.05%	-
EPS (Basic)	1.33	0.42	0.39	0.24	0.68	0.17
EPS (Diluted)	1.33	0.42	0.39	0.24	0.68	0.17
EPS Growth	193.37%	7.51%	65.93%	-65.29%	300.00%	-
Free Cash Flow	-1,308	-1,222	-671.71	-290.79	-154.48	-169.39
Free Cash Flow Per Share	-46.11	-45.02	-39.38	-26.62	-20.64	-30.79
Operating Margin	10.38%	3.42%	4.12%	10.49%	24.41%	-3.89%
Profit Margin	9.24%	3.94%	4.09%	3.58%	16.31%	10.78%
Free Cash Flow Margin	-320.64%	-421.81%	-411.04%	-403.73%	-493.60%	-1912.04%
Effective Tax Rate	11.13%	-	-	48.87%	29.04%	25.85%
Revenue as Reported	675.91	479.23	259.14	123.63	63.39	20.02

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