	BSE	NSE
Last Price()	494.75 Oct 30,2026 EOD	493.70 Oct 30,2026 EOD
Today's Change( )	-19.55 (-3.80%)	-20.30 (-3.95%)
Open( )	515.50	514.90
Prev Close( )	514.30	514.00
Volume	32,427.00	1,226,476.00
Today's Range( )	515.50 - 494.75	514.90 - 493.70
52-Week Range( )	598.00 - 459.05	598.20 - 458.90
Buy (Size)	N.A	493.70(×4235)
Sell (Size)	N.A	N.A

Company Background

Incorporation Year	1989
Registered Office	131 Maker Tower-F 13th Floor,Cuffe Parade, Mumbai, Maharashtra-400005
Telephone	NA
Fax	NA
Chairman	Doraiswamy Ramchandran
Managing Director	Tribhuwan Adhikari
Company Secretary	Varsha Hardasani
Auditor	Shah Gupta & Co/Batliboi & Purohit
Face Value	2
Market Lot	1
Listing	BSE,Luxembourg,MSEI ,NSEBSE,Luxembourg,MSEI ,NSE
Registrar	Sharex Dynamic (India) Pvt Ltd Unit No 1 Luthra Ind,Andheri Kurla Road ,Safed Pool Andheri(E,Mumbai - 400 072

Board of Directors

Board Of Directors
Non-Exec & Non-Independent Dir	P Koteshwara Rao
Independent Non Exe. Director	K P Khandelwal SANJAYKUMAR NANDKISHORE KHEMANI
Non-Exec & Non-Independent Dir	Akshay Rout
Independent Non Exe. Director	J Jayanthi Ravi Krishan Takkar Ramesh L Adige ANIL KAUL
ED / WTD / MD / CEO / Promoter	Tribhuwan Adhikari
Independent Non Exe. Director	Masil Jeya Mohan P. T C Suseel Kumar
Non Independent Non Executive Director / Nominee	Ratnakar Patnaik
Chairman / Non Executive Director / Nominee	Doraiswamy Ramchandran
Company Sec. & Compli. Officer	Varsha Hardasani

Balance Sheet

Particulars (Sources Of Funds)	Mar 2026 ( Cr)	Mar 2025 ( Cr)	Mar 2024 ( Cr)	Mar 2023 ( Cr)	Mar 2022 ( Cr)	Mar 2021 ( Cr)
Share Capital	110.08	110.08	110.08	110.08	110.08	100.99
Reserves Total	41215.46	36146.70	31284.55	26990.26	24561.76	20420.32
Total Shareholders Funds	41325.54	36256.78	31394.63	27100.34	24671.84	20521.31
Secured Loans	256219.87	247707.58	228945.20	217838.65	193912.35	175500.45
Unsecured Loans	21377.09	23067.66	23716.31	27110.98	29888.92	32482.07
Total Loan Funds	277596.96	270775.24	252661.51	244949.63	223801.27	207982.52
Other Liabilities	0.00	0.00	0.00	0.00	0.00	0.00
Total Liabilities	318922.50	307032.02	284056.14	272049.97	248473.11	228503.83
APPLICATION OF FUNDS :
Loan / Non-Current Assets	316167.84	302856.63	280576.05	267819.55	245284.14	228103.68
Fixed Assets
Gross Block	921.75	771.26	689.14	611.95	445.81	368.40
Less: Accumulated Depreciation	537.60	420.75	328.29	255.74	159.68	125.01
Less:Impairment of Assets	0.00	0.00	0.00	0.00	0.00	0.00
Net Block	384.15	350.51	360.85	356.21	286.13	243.39
Lease Adjustment	0.00	0.00	0.00	0.00	0.00	0.00
Capital Work in Progress	0.00	51.50	0.14	0.74	1.49	3.63
Investments	5050.33	6872.01	6277.03	6976.41	6198.60	4635.61
Current Assets, Loans & Advances
Inventories	0.00	0.00	0.00	0.00	0.00	0.00
Sundry Debtors	0.00	0.00	0.00	0.00	0.00	0.00
Cash and Bank Balance	1278.12	1404.52	1572.63	741.90	937.39	1346.72
Loans and Advances	1163.36	1071.94	727.93	613.49	479.44	376.77
Total Current Assets	2441.48	2476.46	2300.56	1355.39	1416.83	1723.49
Less : Current Liabilities and Provisions
Current Liabilities	5919.82	6513.51	6777.25	6150.59	5924.37	6979.25
Provisions	263.41	360.43	334.13	211.45	169.98	150.24
Total Current Liabilities & Provisions	6183.23	6873.94	7111.38	6362.04	6094.35	7129.49
Net Current Assets	-3741.75	-4397.48	-4810.82	-5006.65	-4677.52	-5406.00
Miscellaneous Expenses not written off	0.00	0.00	0.00	0.00	0.00	0.00
Deferred Tax Assets	1221.25	1405.98	3168.53	3417.84	2897.46	2442.31
Deferred Tax Liability	159.32	107.13	1529.38	1529.38	1529.38	1529.38
Net Deferred Tax	1061.93	1298.85	1639.15	1888.46	1368.08	912.93
Other Assets	0.00	0.00	13.74	15.25	12.19	10.59
Total Assets	318922.50	307032.02	284056.14	272049.97	248473.11	228503.83
Contingent Liabilities	21.75	42.15	33.76	57.73	44.01	45.56

Profit and Loss

Particulars(INCOME)	Mar 2026 ( Cr)	Mar 2025 ( Cr)	Mar 2024 ( Cr)	Mar 2023 ( Cr)	Mar 2022 ( Cr)	Mar 2021 ( Cr)
Operating Income	28771.04	28043.21	27234.11	22662.62	19925.50	19852.92
Other Income	0.62	2.92	0.53	11.58	27.52	-5.23
Total Income	28771.66	28046.13	27234.64	22674.20	19953.02	19847.69
EXPENDITURE :
Operating Expenses & Administrative Expenses	488.88	447.87	378.86	360.00	272.98	293.21
Miscellaneous Expenses	668.34	410.97	1735.79	2032.47	2108.88	1410.71
Interest	19775.19	19535.82	18390.66	16185.96	14177.25	14452.58
Less : Pre-operative Expenses Capitalised	0.00	0.00	0.00	0.00	0.00	0.00
Employee Cost	641.05	701.73	609.99	473.21	563.32	293.18
Total Expenditure	21573.46	21096.39	21115.30	19051.64	17122.43	16449.68
Gross Profit	7198.20	6949.74	6119.34	3622.56	2830.59	3398.01
Depreciation	117.58	93.93	65.42	65.56	52.44	49.44
Profit Before Tax	7080.62	6855.81	6053.92	3557.00	2778.15	3348.57
Tax	1256.52	1062.33	1038.00	1188.05	944.43	936.67
Fringe Benefit tax	0.00	0.00	0.00	0.00	0.00	0.00
Deferred Tax	228.95	364.46	250.51	-522.08	-453.56	-322.44
Reported Net Profit	5595.15	5429.02	4765.41	2891.03	2287.28	2734.34
Extraordinary Items	0.12	0.12	0.42	0.23	0.05	0.06
Adjusted Net Profit	5595.03	5428.90	4764.99	2890.80	2287.23	2734.28
Adjustment below Net Profit	23.67	-71.81	-3.57	5.03	-4.72	-2.40
P & L Balance brought forward	9905.57	7343.41	5359.12	4765.60	4603.32	4009.89
Appropriations	2950.05	2795.05	2777.54	2302.53	2120.27	2138.50
P & L Balance carried down	12574.33	9905.56	7343.41	5359.12	4765.60	4603.32
Dividend	0.00	0.00	0.00	0.00	0.00	0.00
Preference Dividend	0.00	0.00	0.00	0.00	0.00	0.00
Equity Dividend %	500.00	500.00	450.00	425.00	425.00	425.00
Dividend Per Share(Rs)	10.00	10.00	9.00	8.50	8.50	8.50
Earnings Per Share-Unit Curr	101.66	98.64	86.58	52.53	41.56	54.15
Earnings Per Share(Adj)-Unit Curr	101.66	98.64	86.58	52.53	41.56	54.15
Book Value-Unit Curr	750.83	658.74	570.40	492.38	448.25	406.40
Book Value(Adj)-Unit Curr	750.83	658.74	570.40	492.38	448.25	406.40

Quarterly Results

Quarters:

Particulars	Jun 2026 ( Cr)	Mar 2026 ( Cr)	Dec 2025 ( Cr)
Operating Income	7046.70	7059.51	7183.89
Total Income	7065.53	7076.98	7184.06
Interest	4948.05	4787.48	4943.19
Employee Expenses	184.03	162.37	176.31
Selling & Administrative Expenses	0.00	0.00	0.00
Impairment of Assets	0.00	0.00	0.00
Loss on Forex Transaction	0.00	0.00	0.00
Other Expenses	180.23	242.81	138.91
TOTAL OPERATING EXPENDITURE	5312.31	5192.66	5258.41
Operating Profit Before Prov. & Cont.	1753.22	1884.32	1925.65
Provisions & Write Offs	-164.23	-79.75	150.60
Depreciation	29.02	29.83	32.54
TOTAL EXPENDITURE	5177.10	5142.74	5441.55
Tax	400.11	436.83	358.56
Fringe Benefit Tax	0.00	0.00	0.00
Deferred Tax	0.00	0.00	0.00
Reported Profit After Tax	1488.32	1497.41	1383.95
Extra-ordinary Items	0.00	0.00	0.00
Adjusted Profit After Extra-ordinary item	1488.32	1497.41	1383.95
EPS (Unit Curr.)	27.06	27.22	25.16
EPS (Adj) (Unit Curr.)	27.06	27.22	25.16
Calculated EPS (Unit Curr.)	27.04	27.21	25.14
Calculated EPS (Adj) (Unit Curr.)	27.04	27.21	25.14
Calculated EPS (Ann.) (Unit Curr.)	108.16	108.82	100.58
Calculated EPS (Adj) (Ann.) (Unit Curr.)	108.16	108.82	100.58
Book Value (Unit Curr.)	0.00	751.24	0.00
Dividend (%)	0.00	0.00	0.00
Equity	110.08	110.08	110.08
Reserve & Surplus	0.00	0.00	0.00
Face Value	2.00	2.00	2.00
Public Shareholding (No. Of Shares)	0.00	0.00	0.00
Public Shareholding (% in Equity)	0.00	0.00	0.00
Pledged/Encumbered - No. of Shares	0.00	0.00	0.00
Pledged/Encumbered - % in Total Promoters Holding	0.00	0.00	0.00
Pledged/Encumbered - % in Total Equity	0.00	0.00	0.00
Non Encumbered - No. of Shares	0.00	0.00	0.00
Non Encumbered - % in Total Promoters Holding	0.00	0.00	0.00
Non Encumbered - % in Total Equity	0.00	0.00	0.00
PBIDTM(%)	97.43	95.64	93.52
PBDTM(%)	27.21	27.82	24.71
PATM(%)	21.12	21.21	19.26
Net Interest Income	2075.52	2221.78	2102.00
Operating Expenses	0.00	0.00	0.00
Loan Losses & Provision	0.00	0.00	0.00
Assets Under Management	0.00	0.00	0.00
Return on Equity(%)	14.00	0.00	14.50
Operating Expenses to Net Interest Income(%)	0.00	0.00	0.00
Cost to Income Ratio	0.00	0.00	0.00
Loan Loss Provision Ratio	0.00	0.00	0.00
Loans Spreads(%)	0.00	0.00	0.00
Net Interest Margin(%)	2.58	2.80	2.69
Provision Coverage Ratio(%)	48.12	50.16	54.59
Capital Adequacy Ratio	0.00	0.00	0.00
Tier I Capital	0.00	0.00	0.00
Tier II Capital	0.00	0.00	0.00
Gross Non Performing Assets	0.00	0.00	0.00
Net Non Performing Assets	0.00	0.00	0.00
(%) Gross Non Performing Assets	2.14	2.15	2.45
(%) Net Non Performing Assets	1.12	1.08	1.13
Return on Assets(Annualised)	0.00	0.00	0.00
Return on Assets	0.00	0.00	1.77
Loans Disbursed(Amt Rs cr)	15014.00	21019.00	16096.00
Loans Sanctioned/Approved(Amt Rs cr)	0.00	0.00	0.00
Loan Book(Amt Rs cr)	322098.00	320707.00	314268.00

Financial Ratios

Particulars	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Debt-Equity Ratio	7.07	7.74	8.51	9.05	9.55
Long Term Debt-Equity Ratio	6.11	6.69	7.20	7.44	7.81
Current Ratio	7.13	6.87	6.00	5.28	5.07
Loans Turnover	0.09	0.10	0.10	0.09	0.08
Advance / Loans Funds (%)	112.89	111.46	110.21	109.46	109.64
Tot. Income / Capital Employed (%)	9.19	9.49	9.79	8.71	8.37
Interest Expended / Capital Employed (%)	6.32	6.61	6.61	6.22	5.94
PBIDTM (%)	93.75	94.44	90.00	87.36	85.24
PBITM (%)	93.34	94.10	89.76	87.07	84.98
PBDTM (%)	25.02	24.78	22.47	15.98	14.19
CPM (%)	19.86	19.69	17.74	13.04	11.73
APATM (%)	19.45	19.36	17.50	12.75	11.46
ROCE (%)	8.58	8.93	8.79	7.59	7.11
RONW (%)	14.42	16.05	16.29	11.17	10.12

Share Price

Year	High ()	Low ()	Close ()	P/E High	P/E Low	P/E Close	Mkt Cap.( In Cr.)
Sep 2026	579.40	525.05	532.25	5.84	5.01	5.23	29,277.10
Aug 2026	543.00	485.35	537.60	5.45	4.73	5.29	29,571.39
Jul 2026	570.00	521.65	523.05	5.76	5.11	5.14	28,771.05
Jun 2026	570.50	523.95	564.00	5.77	4.99	5.54	31,023.55
May 2026	598.00	531.00	533.70	6.01	5.19	5.25	29,356.86
Apr 2026	568.25	502.00	554.35	5.68	4.79	5.45	30,492.74
Mar 2026	534.40	459.05	495.20	5.31	4.49	4.87	27,239.12
Feb 2026	551.45	488.60	537.55	5.63	4.87	5.45	29,568.64
Jan 2026	548.15	500.70	526.35	5.64	4.99	5.33	28,952.57
Share Prices Of 2025
Dec 2025	556.15	519.00	539.60	5.65	5.11	5.47	29,681.40
Nov 2025	577.95	544.00	549.05	5.90	5.49	5.56	30,201.21
Oct 2025	595.00	559.40	571.35	6.04	5.66	5.79	31,427.85
Sep 2025	595.85	550.25	565.05	6.07	5.54	5.73	31,081.31
Aug 2025	595.00	545.00	554.70	6.07	5.43	5.62	30,511.99
Jul 2025	646.60	579.05	585.60	6.75	5.80	5.93	32,211.69
Jun 2025	627.90	579.00	618.50	6.47	5.84	6.27	34,021.40
May 2025	637.75	563.95	596.30	6.63	5.61	6.04	32,800.26
Apr 2025	625.90	514.00	600.75	6.54	4.92	6.09	33,045.03
Mar 2025	585.00	483.50	563.70	6.08	4.73	5.71	31,007.05
Feb 2025	606.80	493.00	496.80	7.27	5.65	5.73	27,327.13

Company Profile

Risk Disclosure on Derivatives

ATTENTION INVESTORS

ATTENTION INVESTORS

ATTENTION INVESTORS

Address	303, New Delhi House, 27, Barakhamba Road, New Delhi-110001. CIN No. U74899DL1995PTC070418
call	011-43074307-30 \| Fax: 011-43074315
Compliance Officers: Mr. Pravin Kumar Sinha (NSE, BSE & MCX)
call	011-43074317
mail	compliance@integratedmaster.com
Mr. Gopal Singh Kathayat (CDSL & NSDL)
call	011-43074310
mail	dp@integratedmaster.com
mail	Investor Grievance (IG): suggestions@integratedmaster.com