Financial Result

Financial Results as on 30.09.2019

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Particulars At March 31, 2019(Audited) At March 31, 2018(Audited)
Cash and Cash equivalents  98.4  60.8
Bank balance other than above  2.5  2.5
Derivative Financial Instruments  -  30.8

Receivables

(1) Trade Receivables

(2) Other Receivables

 14.3 96.6
Loans 133,330.7 96,986.4
Investments 989.7 1,093.1
  136,294.8 99,181.9
Particulars Half-year ended March 31, 2019 (Unaudited) Half-year ended March 31, 2018 (Unaudited) Half-year ended March 31, 2019 (audited) Half-year ended March 31, 2019 (audited)
Interest Income 6,088.9 4,687.4 11,196.3 9,263.8
Dividend Income 63.4 22.3 106.0 37.4
Rental Income - - - -
Fees and commission Income 97.3 107.8 187.0 199.9
Net gain on fair value changes 71.2 (0.1) 71.2 -
others 6.2 2.7 19.9 6.4
other income

6,327.0

30.8

4,820.1

22.8

11,580.4

58.0

9,507.5

44.2

Total income 6,357.8 4,842.9 11,638.4 9,551.7

Financial results as on 31.03.2018

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1   Equity and Liabilities
 Shareholders Funds:
Particulars At March 31, 2018(Audited) At March 31, 2017(Audited)
Share Capital  10,987.5 10,987.5
Reserves and surplus 5,145.7 5,084.2
  16,133.2 16,071.7
Non-current liabilities
Particulars At March 31, 2018(Audited) At March 31, 2017(Audited)
Long term borrowings 44,601.2 48,171.3
Deferred tax liabilities (Net) 378.5 511.7
Other long terms liabilities 104.8 106.5
Long term provisions 1,709.8 1,348.6
  46,794.3 50,138.1
Current Liabilities
Particular At March 31, 2018 (Audited) At March 31, 2017 (Audited)
Short term borrowings 4,901.9 9,704.5

Trade payables

Micro-enterprises and small enterprises.

Other than Micro enterprises and small enterprises

5.6

126.8

0.2

87.2

Other Current Liabilities 34,191.5 18,196.1
Short Term Provisions 114.0 101.7
  39,339.8 28,089.7
  102,267.3 94,299.5

Financial results as on 31.03.2017

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Particulars Year to date figures for the year ended (31/03/2017)  Previous accounting year ended(31/03/2016)
Total Income from Operations  10,528.1 10,713.7 
Net Profit / (Loss) for the period (before tax, Exceptional and/or Extraordinary items)  2,782.7  2,724.2 
 Net Profit / (Loss) for the period before tax (after Exceptional and/or Extraordinary items)  2,782.7  2,724.2 
Net Profit / (Loss) for the period after tax (after Exceptional and/or Extraordinary items)  1,832.6  1,798.5 
Total Comprehensive Income for the period [Comprising Profit/(Loss) for the period (after tax) and Other Comprehensive Income (after tax)]  1,832.6  1,798.5 
Paid-up equity share capital (face value R10/-) 10,987.5 10,987.5
Reserves (excluding Revaluation Reserve)  4,854.5 4,304.6 
Net worth 16,071.7  15,292.1 
 Paid up Debt Capital / Outstanding Debt  74,190.1  74,477.9 
Earning per share (of R10/- each) (for continuing and discontinued operations) - Basic and Diluted  1.67 1.64

Financial results as on 31.03.2016

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Particulars 6 months ended (31/03/2016) Corresponding 6 months ended in the previous year (31/03/2015) Year to date figures for the current period ended (31/03/2016) Previous accounting year ended (31/03/2015)
Interest earned (a+b+c+d) 48,716.36  45,176.93  96,766.83  87,681.66
Interest / discount on advances / bills  48,184.98 44,367.24 95,492.52 85,998.73
Income on investments 372.34 459.38 825.91 968.49
 Interest on balances with  Reserve Bank of India and  other inter-bank funds  157.90 324.17 428.22 658.98
Others 1.14 26.14 20.18 55.46
Other Income 5,340.56 5,477.23 10,370.67 11,091.15
TOTAL INCOME (1)+(2) 54,056.92 50,654.16 107,137.50 98,772.81
Interest Expended  33,838.69 29,519.92 66,075.41 57,430.22
Operating Expenses (i)+(ii)  6,406.55  5,839.74 12,174.46  11,150.60
Employees cost  2,092.92 1,829.79 4,259.88 3,875.84
Other operating Expense  4,313.63 4,009.95 7,914.58 7,274.76
TOTAL EXPENDITURE (4)+(5) excluding Provisions and Contingencies  40,245.24  35,359.66  78,249.87  68,580.82 
OPERATING PROFIT (3)-(6) (Profit before Provisions and Contingencies) 13,811.68  15,294.50  28,887.63 30,191.99 
Provisions (other than tax) and Contingencies  1,022.01 373.81 1,645.96 623.58
Exceptional Items  - - - -
PROFIT / (LOSS) FROM ORDINARY ACTIVITIES BEFORE TAX (7)-(8)-(9)  12,789.67 14,920.69 27,241.67 29,568.41
Tax Expense  4,377.77 4,970.83 9,257.15  9,810.84 
NET PROFIT / (LOSS) FROM ORDINARY ACTIVITIES AFTER TAX (10)-(11) 8,411.90 9,949.86 17,984.52 19,757.57
Extraordinary Items(net of tax expense)  - - - -
NET PROFIT / (LOSS) FOR  8,411.90 9,949.86  17,984.52 19,757.57 
Paid-up equity share capital (Face value of R 10/- each) 109,875.00  109,875.00  109,875.00 109,875.00
 Reserves excluding Revaluation Reserves (as per balance sheet of previous accounting year)  39,290.74  42,218.25 39,290.74  42,218.25
 Analytical Ratios        
Capital Adequacy Ratio  26.06%  27.01%  26.06%  27.01%
Earning Per Share  (EPS) - Basic  0.77  0.91  1.64 1.80 
NPA Ratios         
Gross / Net NPA        
Gross NPA  14,156.78  14,164.03  14,156.78  14,164.03 
Net NPA 5,213.25 5,266.22 5,213.25  5,266.22
Percentage of Gross / Net NPA        
% of Gross NPA  1.62%  1.84%  1.62%  1.84% 
% of Net NPA  0.60%  0.69%  0.60%  0.69% 
Return on Assets  (Post Tax - annualised)  1.84%  2.48% 2.02%  2.56%

Financial results as on 31.09.2019

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Particular At September 30,2019 (unaudited) At September 30,2019 (audited)
Assets
Financial Assets
Cash and cash equivalents 203.2 98.4
Bank balance other than above 2.5 2.5
Derivative Financial Instruments 182.0 -
Receiavles - -
Trade receivables 134.6 142.3
Other receivables - -
Loans 151,355.1 133,330.7
Investments 4,176.0 989.7
other financial assets 1686.3 1,731.2
  157,739.7 136,294.8

Financial results as on 31.09.2018

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Particular At September 30, 2018 (unaudited)
Assets
Non-current assets
property.plant and equipment  790.8
Capital work in progress 9.8
other intangible assets 7.4
financial Assets 
investments 818.4
Loans 93,640.8
Others 25.3
income tax assets  501.0
Deferred tax assets  852.8
Other non-current assets  58.3
TOTAL NON-CURRENT ASSETS 96,704.8

Financial results as on 31.09.2017

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Particular Note As of Sept 30, 2017 (audited) As of Sept 30, 2017 (audited) As of Sept 30, 2017 (audited)
Equity ANd Liabilities
Shareholders funds:

share capital

reserves and surplus

3   

10,987.5

5,228.1

 

10,987.5

5,200.2

10,987.5

5,084.2

      16,215.6 16,167.7 16,071.7

Financial results as on 31.09.2016

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Particulars 6 months ended (30/09/2016) Corresponding 6 months in the previous year (30/09/2015) Year to date figures for the period ended (31/03/2016) Previous accounting year ended (31/03/2015)
Audited Audited Audited Audited
Interest earned (a+b+c+d)  48,793.63  48,050.48  96,766.83  87,681.66
Interest / discount on   advances / bills 48,370.23 47,307.54 95,492.52 85,998.73
Income on investments 352.89 453.57 825.91 968.49
Interest on balances with  Reserve Bank of India and  other inter-bank funds 69.53 270.32 428.22 658.98
Others 0.98 19.05 20.18  55.46
Other Income 4,550.21 5,030.10 10,370.67 11,091.15 
TOTAL INCOME (1)+(2) 53,343.84 53,080.58 107,137.50 98,772.81