MAS Financial Services Cash Flow Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Net Income	3,104	2,511	2,033	1,592	1,444
Depreciation & Amortization	49.7	37.7	24.9	20.1	25.16
Other Amortization	6.3	5.2	2.3	0.6	0.57
Gain on Sale of Loans & Receivables	-	-	-	24.8	35.14
Loss (Gain) From Sale of Investments	-1,498	-1,272	-731.3	3	0.25
Asset Writedown & Restructuring Costs	-7.9	-25.2	-28.3	-28.6	-0.28
Provision for Credit Losses	971.5	751.7	462.7	322.6	778.23
Change in Accounts Payable	267.5	65.2	3.8	78.5	1.6
Change in Other Net Operating Assets	-14,232	-15,197	-16,104	-9,487	-8,377
Other Operating Activities	-299.4	-690.8	4.7	-579.1	333.52
Operating Cash Flow	-11,335	-13,661	-14,259	-8,053	-5,781
Capital Expenditures	-295.4	-222.9	-109.5	-53.4	-20.14
Sale of Property, Plant & Equipment	-	1.1	2.4	0.1	0.01
Investment in Securities	-7,987	722.6	-2,933	-2,891	-1,966
Other Investing Activities	-	-	-	-5,255	-7.64
Investing Cash Flow	-8,282	500.8	-3,041	-8,199	-1,994
Short-Term Debt Issued	1,820	-	-	593.8	2,285
Long-Term Debt Issued	41,505	38,422	31,933	20,609	12,911
Total Debt Issued	43,324	38,422	31,933	21,203	15,196
Short-Term Debt Repaid	-	-2,103	-2,060	-	-
Long-Term Debt Repaid	-25,964	-23,204	-12,838	-11,825	-8,008
Total Debt Repaid	-25,964	-25,307	-14,899	-11,825	-8,008
Net Debt Issued (Repaid)	17,360	13,115	17,035	9,378	7,188
Issuance of Common Stock	4,841	-	0.1	-	-
Common Dividends Paid	-274.3	-265.5	-194.5	-150.7	-0.47
Total Dividends Paid	-274.3	-265.5	-194.5	-150.7	-0.47
Other Financing Activities	49.9	50	-	-	-
Financing Cash Flow	21,977	12,900	16,840	9,227	7,188
Net Cash Flow	2,360	-260	-459.7	-7,025	-587.41
Free Cash Flow	-11,630	-13,883	-14,369	-8,106	-5,801
Free Cash Flow Margin	-149.15%	-231.66%	-309.75%	-239.89%	-208.92%
Free Cash Flow Per Share	-65.49	-84.66	-87.62	-49.43	-35.38
Cash Interest Paid	7,801	6,989	4,846	3,547	2,860
Cash Income Tax Paid	999.4	802	614.7	653	508.92

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