IBL 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
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	152.32	129.57	141.22	133.05	32.71	11.26
Total Interest Expense	51.61	31.18	2.62	11.38	0.63	0.01
Net Interest Income	100.71	98.39	138.6	121.68	32.08	11.25
Gain (Loss) on Sale of Investments	0.06	0.06	0.03	0.24	-	-
Other Revenue	1.64	0.98	0.92	0	-	-
Revenue Before Loan Losses	102.41	99.42	139.56	121.92	32.08	11.25
Provision for Loan Losses	19.29	13.26	37.19	32.24	7.02	1.23
Revenue	83.12	86.17	102.37	89.68	25.06	10.02
Revenue Growth (YoY)	-24.31%	-15.83%	14.15%	257.84%	150.09%	11.35%
Salaries & Employee Benefits	23.95	20.34	29.81	25.99	10.21	4.78
Cost of Services Provided	4.45	4.45	10.79	16.43	4.99	3.7
Other Operating Expenses	18.77	25.69	29	18.04	3.33	1.76
Total Operating Expenses	53.21	55.65	72	60.98	19.05	10.88
Operating Income	29.91	30.52	30.37	28.7	6.01	-0.86
EBT Excluding Unusual Items	29.91	30.52	30.37	28.7	6.01	-0.86
Pretax Income	29.33	29.94	30.35	28.64	5.65	-0.93
Income Tax Expense	6.86	6.39	7.52	8.17	1.38	0.06
Net Income	22.47	23.55	22.84	20.47	4.27	-0.99
Net Income to Common	22.47	23.55	22.84	20.47	4.27	-0.99
Net Income Growth	-2.42%	3.15%	11.58%	378.96%	-	-
Shares Outstanding (Basic)	25	25	20	17	15	15
Shares Outstanding (Diluted)	25	25	20	17	15	15
Shares Change (YoY)	9.58%	26.56%	16.45%	14.38%	-	1.62%
EPS (Basic)	0.90	0.95	1.17	1.22	0.29	-0.07
EPS (Diluted)	0.90	0.95	1.17	1.22	0.29	-0.07
EPS Growth	-11.19%	-18.70%	-4.19%	320.57%	-	-
Free Cash Flow	-257.2	-465.7	-321.31	-78.52	-56.66	-8.06
Free Cash Flow Per Share	-10.34	-18.83	-16.44	-4.68	-3.86	-0.55
Operating Margin	35.99%	35.42%	29.67%	32.01%	23.98%	-8.59%
Profit Margin	27.04%	27.34%	22.31%	22.82%	17.05%	-9.86%
Free Cash Flow Margin	-309.46%	-540.48%	-313.87%	-87.56%	-226.09%	-80.41%
Effective Tax Rate	23.39%	21.33%	24.77%	28.53%	24.41%	-
Revenue as Reported	154.01	130.61	142.18	133.31	32.71	11.26

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.