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 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
Net Income	3,712	3,104	2,511	2,033	1,592
Depreciation & Amortization	70.8	49.7	37.7	24.9	20.1
Other Amortization	-	6.3	5.2	2.3	0.6
Gain on Sale of Loans & Receivables	-	-	-	-	24.8
Loss (Gain) From Sale of Investments	-580.3	-1,498	-1,272	-731.3	3
Asset Writedown & Restructuring Costs	-	-7.9	-25.2	-28.3	-28.6
Provision for Credit Losses	-	971.5	751.7	462.7	322.6
Change in Accounts Payable	-48.4	267.5	65.2	3.8	78.5
Change in Other Net Operating Assets	-20,868	-14,232	-15,197	-16,104	-9,487
Other Operating Activities	-154.4	-299.4	-690.8	4.7	-579.1
Operating Cash Flow	-17,868	-11,335	-13,661	-14,259	-8,053
Capital Expenditures	-916.6	-295.4	-222.9	-109.5	-53.4
Sale of Property, Plant & Equipment	0.1	-	1.1	2.4	0.1
Investment in Securities	5,587	-7,987	722.6	-2,933	-2,891
Other Investing Activities	-	-	-	-	-5,255
Investing Cash Flow	4,670	-8,282	500.8	-3,041	-8,199
Short-Term Debt Issued	1,025	1,820	-	-	593.8
Long-Term Debt Issued	46,816	41,505	38,422	31,933	20,609
Total Debt Issued	47,840	43,324	38,422	31,933	21,203
Short-Term Debt Repaid	-	-	-2,103	-2,060	-
Long-Term Debt Repaid	-36,589	-25,964	-23,204	-12,838	-11,825
Total Debt Repaid	-36,589	-25,964	-25,307	-14,899	-11,825
Net Debt Issued (Repaid)	11,252	17,360	13,115	17,035	9,378
Issuance of Common Stock	-	4,841	-	0.1	-
Common Dividends Paid	-354.2	-274.3	-265.5	-194.5	-150.7
Total Dividends Paid	-354.2	-274.3	-265.5	-194.5	-150.7
Other Financing Activities	50	49.9	50	-	-
Financing Cash Flow	10,948	21,977	12,900	16,840	9,227
Net Cash Flow	-2,250	2,360	-260	-459.7	-7,025
Free Cash Flow	-18,784	-11,630	-13,883	-14,369	-8,106
Free Cash Flow Margin	-171.46%	-149.15%	-231.66%	-309.75%	-239.89%
Free Cash Flow Per Share	-103.53	-65.49	-84.66	-87.62	-49.43
Cash Interest Paid	-	7,801	6,989	4,846	3,547
Cash Income Tax Paid	-	999.4	802	614.7	653

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