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	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	703.29	394.37	192.91	105.27	62.33	16.87
Total Interest Expense	304.11	181.69	92.11	50.15	28.61	7.69
Net Interest Income	399.18	212.68	100.8	55.12	33.72	9.18
Commissions and Fees	87.99	79.83	65.62	15.85	0.19	0.05
Other Revenue	11.31	3.04	0.4	1.71	0.86	0.88
Revenue Before Loan Losses	498.48	295.54	166.82	72.67	34.78	10.12
Provision for Loan Losses	26.56	5.81	3.41	0.65	3.48	1.26
Revenue	471.92	289.74	163.42	72.03	31.3	8.86
Revenue Growth (YoY)	80.80%	77.30%	126.89%	130.14%	253.27%	1516.61%
Salaries & Employee Benefits	267.96	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	75.66	43.32	22.67	12.84	9.5	3.74
Total Operating Expenses	405.34	279.82	156.69	64.47	23.66	9.2
Operating Income	66.59	9.92	6.73	7.55	7.64	-0.35
EBT Excluding Unusual Items	66.67	10.01	6.01	5.04	7.19	-0.35
Pretax Income	66.67	10.01	6.01	5.04	7.19	1.29
Income Tax Expense	8.67	-1.43	-0.67	2.46	2.09	0.33
Net Income	58	11.43	6.68	2.58	5.1	0.96
Net Income to Common	58	11.43	6.68	2.58	5.1	0.96
Net Income Growth	555.36%	71.12%	159.12%	-49.49%	434.45%	-
Shares Outstanding (Basic)	34	27	17	11	7	6
Shares Outstanding (Diluted)	34	27	17	11	7	6
Shares Change (YoY)	43.53%	59.16%	56.16%	45.94%	36.05%	-
EPS (Basic)	1.71	0.42	0.39	0.24	0.68	0.17
EPS (Diluted)	1.71	0.42	0.39	0.24	0.68	0.17
EPS Growth	356.59%	7.51%	65.93%	-65.29%	300.00%	-
Free Cash Flow	-	-1,222	-671.71	-290.79	-154.48	-169.39
Free Cash Flow Per Share	-	-45.02	-39.38	-26.62	-20.64	-30.79
Operating Margin	14.11%	3.42%	4.12%	10.49%	24.41%	-3.89%
Profit Margin	12.29%	3.94%	4.09%	3.58%	16.31%	10.78%
Free Cash Flow Margin	-	-421.81%	-411.04%	-403.73%	-493.60%	-1912.04%
Effective Tax Rate	13.01%	-	-	48.87%	29.04%	25.85%
Revenue as Reported	804.59	479.23	259.14	123.63	63.39	20.02

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