Quarterly Results

Parameters	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025
Revenue	111,043	111,526	113,871	117,427	119,666	117,996
Interest	69,387	70,401	72,251	75,981	76,892	76,923
Expenses	31,887	29,288	32,102	29,847	42,140	32,633
Financing Profit	9,769	11,837	9,517	11,599	634	8,440
Financing Margin %	9%	11%	8%	10%	1%	7%
Other Income	17,369	11,162	15,271	11,041	24,210	17,346
Depreciation	0	0	0	0	0	0
Profit before tax	27,138	22,999	24,788	22,640	24,844	25,785
Tax %	24%	26%	26%	25%	25%	26%
Net Profit	20,698	17,035	18,331	16,891	18,643	19,160
EPS in Rs	23.19	19.09	20.54	18.93	20.89	21.47
Gross NPA %	2.24%	2.21%	2.13%	2.07%	1.82%	1.83%
Net NPA %	0.57%	0.57%	0.53%	0.53%	0.47%	0.47%

Profit & Loss

Parameters	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Revenue	136,351	152,397	163,998	175,518	220,499	242,869	257,324	265,151	275,457	332,103	415,131	462,489
Interest	87,069	97,382	106,803	113,658	145,646	154,520	159,239	154,441	154,750	187,263	255,255	295,524
Expenses	50,327	57,161	69,566	80,172	132,063	120,304	114,940	123,348	114,601	110,953	126,423	129,848
Financing Profit	-1,045	-2,145	-12,371	-18,312	-57,209	-31,955	-16,855	-12,638	6,107	33,887	33,453	37,117
Financing Margin %	-1%	-1%	-8%	-10%	-26%	-13%	-7%	-5%	2%	10%	8%	8%
Other Income	18,553	22,576	27,845	35,461	44,601	36,775	45,221	43,496	40,564	36,616	51,682	61,683
Depreciation	1,334	1,116	1,700	2,293	2,919	3,212	3,304	3,318	3,249	3,297	3,352	3,529
Profit before tax	16,174	19,314	13,774	14,855	-15,528	1,607	25,063	27,541	43,422	67,206	81,783	95,271
Tax %	33%	32%	28%	29%	-58%	46%	42%	26%	27%	25%	25%	26%
Net Profit	10,891	13,102	9,951	10,484	-6,547	862	14,488	20,410	31,676	50,232	61,077	70,901
EPS in Rs	14.59	17.55	12.82	13.15	-7.34	0.97	16.23	22.87	35.49	56.29	68.44	79.44
Dividend Payout %	21%	20%	20%	20%	0%	0%	0%	17%	20%	20%	20%	20%

Balance Sheet

Parameters	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	747	747	776	797	892	892	892	892	892	892	892	892
Reserves	117,536	127,692	143,498	187,489	218,236	220,021	231,115	252,983	279,196	326,716	376,354	440,270
Deposits	1,431,080	1,613,265	1,730,722	2,044,751	2,706,343	2,911,386	3,241,621	3,681,277	4,051,534	4,423,778	4,916,077	5,382,190
Borrowing	146,459	168,679	323,345	2,362,445	3,068,485	403,017	314,656	417,298	426,043	493,135	597,561	563,573
Other Liabilities	96,413	137,332	158,804	155,235	178,347	145,595	163,104	181,977	229,929	272,457	288,802	289,074
Total Liabilities	1,792,235	2,047,714	2,357,145	2,705,966	3,465,961	3,680,912	3,951,388	4,534,427	4,987,595	5,516,979	6,179,686	6,675,998
Fixed Assets	7,716	9,042	9,819	42,345	39,201	38,509	38,023	38,067	37,467	42,101	42,126	43,685
CWIP	286	287	570	574	792	689	416	352	241	281	491	423
Investments	398,800	481,759	575,652	765,990	1,060,987	967,022	1,046,955	1,351,705	1,481,445	1,570,366	1,671,340	1,690,573
Other Assets	1,385,433	1,556,626	1,771,104	1,897,058	2,364,982	2,674,692	2,865,994	3,144,303	3,468,441	3,904,230	4,465,729	4,941,318
Total Assets	1,792,235	2,047,714	2,357,145	2,705,966	3,465,961	3,680,912	3,951,388	4,534,427	4,987,595	5,516,979	6,179,686	6,675,998