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RBL Bank Ltd
Buy, Hold or Sell?

Should you buy, hold or sell RBL Bank Ltd?

I guess you are interested in RBL Bank Ltd. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

Let's analyse RBL Bank Ltd

Let's start. I'm going to help you getting a better view of RBL Bank Ltd. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

  1. Company's Financial Health
    A deep dive into the books. How are the numbers doing? Is RBL Bank Ltd even making a profit? Is the company skyrocketing? Or is it sinking like the Titanic. The trend is your friend.
  2. Market Valuation
    Finally, you now have an insight of how RBL Bank Ltd is doing in the market. If the company is worth buying. The latest step is to find out how other investors value RBL Bank Ltd. The closing price on 2023-01-30 was INR149.95 per share. Is the company over- or underpriced?
  3. Key Performance Indicators
    A total overlook on how the company is doing. Based on the (trends in) the key performance indicators.
RBL Bank Ltd Daily Candlestick Chart
RBL Bank Ltd Daily Candlestick Chart
Summary









1. Valuation of RBL Bank Ltd




Current price per share

INR149.95

2. Growth of RBL Bank Ltd




Is RBL Bank Ltd growing?

Current yearPrevious yearGrowGrow %
How rich?$1.5b$1.5b-$16.6m-1.1%

How much money is RBL Bank Ltd making?

Current yearPrevious yearGrowGrow %
Making money-$20.4m$65.1m-$85.5m-418.7%
Net Profit Margin-2.5%8.6%--

How much money comes from the company's main activities?

3. Financial Health of RBL Bank Ltd




Comparing to competitors in the Banks industry




  Industry Rankings (Banks)  


Richest
#27 / 72

Most Revenue
#15 / 72

Most Profit
#71 / 72


Summary

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a loss.
Using its assets, the company is very inefficient in making profit.
Using its investors money, the company is very inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
Liquidity Details
 Compared to previous yearCompared to industry
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

1.1. Profitability of RBL Bank Ltd.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit RBL Bank Ltd earns for each ₹1 of revenue.

  • Above 10% is considered healthy but always compare RBL Bank Ltd to the Banks industry mean.
  • A Net Profit Margin of -2.5% means that ₹-0.03 for each ₹1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of RBL Bank Ltd:

  • The MRQ is -2.5%. The company is making a loss. -1
  • The TTM is -2.5%. The company is making a loss. -1
Trends
Current periodCompared to+/- 
MRQ-2.5%TTM-2.5%0.0%
TTM-2.5%YOY8.6%-11.1%
TTM-2.5%5Y11.7%-14.2%
5Y11.7%10Y16.5%-4.8%
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
MRQ-2.5%23.4%-25.9%
TTM-2.5%24.0%-26.5%
YOY8.6%21.3%-12.7%
5Y11.7%22.3%-10.6%
10Y16.5%23.0%-6.5%
1.1.2. Return on Assets

Shows how efficient RBL Bank Ltd is using its assets to generate profit.

  • Above 5% is considered healthy but always compare RBL Bank Ltd to the Banks industry mean.
  • -0.2% Return on Assets means that RBL Bank Ltd generated ₹0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of RBL Bank Ltd:

  • The MRQ is -0.2%. Using its assets, the company is very inefficient in making profit. -2
  • The TTM is -0.2%. Using its assets, the company is very inefficient in making profit. -2
Trends
Current periodCompared to+/- 
MRQ-0.2%TTM-0.2%0.0%
TTM-0.2%YOY0.5%-0.7%
TTM-0.2%5Y0.6%-0.8%
5Y0.6%10Y0.7%-0.1%
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
MRQ-0.2%0.2%-0.4%
TTM-0.2%0.2%-0.4%
YOY0.5%0.2%+0.3%
5Y0.6%0.3%+0.3%
10Y0.7%0.3%+0.4%
1.1.3. Return on Equity

Shows how efficient RBL Bank Ltd is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare RBL Bank Ltd to the Banks industry mean.
  • -1.3% Return on Equity means RBL Bank Ltd generated ₹-0.01 for each ₹1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of RBL Bank Ltd:

  • The MRQ is -1.3%. Using its investors money, the company is very inefficient in making profit. -2
  • The TTM is -1.3%. Using its investors money, the company is very inefficient in making profit. -2
Trends
Current periodCompared to+/- 
MRQ-1.3%TTM-1.3%0.0%
TTM-1.3%YOY4.2%-5.5%
TTM-1.3%5Y5.7%-7.0%
5Y5.7%10Y6.9%-1.2%
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
MRQ-1.3%2.8%-4.1%
TTM-1.3%2.7%-4.0%
YOY4.2%2.8%+1.4%
5Y5.7%2.7%+3.0%
10Y6.9%2.6%+4.3%

1.2. Operating Efficiency of RBL Bank Ltd.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient RBL Bank Ltd is operating .

  • Measures how much profit RBL Bank Ltd makes for each ₹1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare RBL Bank Ltd to the Banks industry mean.
  • An Operating Margin of 0.0% means the company generated ₹0.00  for each ₹1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of RBL Bank Ltd:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y-0.0%
5Y-10Y-0.0%
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
MRQ-106.0%-106.0%
TTM-65.8%-65.8%
YOY-36.5%-36.5%
5Y-30.5%-30.5%
10Y-26.7%-26.7%
1.2.2. Operating Ratio

Measures how efficient RBL Bank Ltd is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are ₹0.00 for each ₹1 in net sales.

Let's take a look of the Operating Ratio trends of RBL Bank Ltd:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y-0.000
5Y-10Y0.298-0.298
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
MRQ-0.436-0.436
TTM-0.490-0.490
YOY-0.364-0.364
5Y-0.226-0.226
10Y0.2980.197+0.101

1.3. Liquidity of RBL Bank Ltd.

1.3. Liquidity
1.3.1. Current Ratio

Measures if RBL Bank Ltd is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks industry mean).
  • A Current Ratio of 0.00 means the company has ₹0.00 in assets for each ₹1 in short-term debts.

Let's take a look of the Current Ratio trends of RBL Bank Ltd:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y0.077-0.077
5Y0.07710Y0.088-0.010
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
MRQ-0.305-0.305
TTM-0.250-0.250
YOY-0.159-0.159
5Y0.0770.099-0.022
10Y0.0880.069+0.019
1.3.2. Quick Ratio

Measures if RBL Bank Ltd is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare RBL Bank Ltd to the Banks industry mean.
  • A Quick Ratio of 0.00 means the company can pay off ₹0.00 for each ₹1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of RBL Bank Ltd:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y0.005-0.005
5Y0.00510Y0.010-0.005
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
MRQ-0.507-0.507
TTM-0.084-0.084
YOY-0.042-0.042
5Y0.0050.015-0.010
10Y0.0100.016-0.006

1.4. Solvency of RBL Bank Ltd.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of RBL Bank Ltd assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare RBL Bank Ltd to Banks industry mean.
  • A Debt to Asset Ratio of 0.88 means that RBL Bank Ltd assets are financed with 88.2% credit (debt) and the remaining percentage (100% - 88.2%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of RBL Bank Ltd:

  • The MRQ is 0.882. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.882. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.882TTM0.8820.000
TTM0.882YOY0.874+0.008
TTM0.8825Y0.887-0.005
5Y0.88710Y0.897-0.010
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8820.920-0.038
TTM0.8820.917-0.035
YOY0.8740.913-0.039
5Y0.8870.915-0.028
10Y0.8970.909-0.012
1.4.2. Debt to Equity Ratio

Measures if RBL Bank Ltd is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare RBL Bank Ltd to the Banks industry mean.
  • A Debt to Equity ratio of 747.2% means that company has ₹7.47 debt for each ₹1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of RBL Bank Ltd:

  • The MRQ is 7.472. The company is unable to pay all its debts with equity. -1
  • The TTM is 7.472. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ7.472TTM7.4720.000
TTM7.472YOY6.944+0.528
TTM7.4725Y7.954-0.482
5Y7.95410Y9.032-1.078
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
MRQ7.47211.450-3.978
TTM7.47211.065-3.593
YOY6.94410.653-3.709
5Y7.95410.911-2.957
10Y9.0329.665-0.633

2. Market Valuation of RBL Bank Ltd

2. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every ₹1 in earnings RBL Bank Ltd generates.

  • Above 15 is considered overpriced but always compare RBL Bank Ltd to the Banks industry mean.
  • A PE ratio of -46.94 means the investor is paying ₹-46.94 for every ₹1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of RBL Bank Ltd:

  • The EOD is -54.107. Company is losing money. -2
  • The MRQ is -46.944. Company is losing money. -2
  • The TTM is -46.944. Company is losing money. -2
Trends
Current periodCompared to+/- 
EOD-54.107MRQ-46.944-7.163
MRQ-46.944TTM-46.9440.000
TTM-46.944YOY23.437-70.381
TTM-46.9445Y11.173-58.117
5Y11.17310Y10.818+0.355
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
EOD-54.10735.013-89.120
MRQ-46.94442.315-89.259
TTM-46.94433.086-80.030
YOY23.43735.931-12.494
5Y11.17337.156-25.983
10Y10.81832.732-21.914
2.2. Price Earnings to Growth Ratio

Measures the predicted future growth of RBL Bank Ltd.

  • Lower is better.
  • A PEG ratio of 1 means the market price of the stock and the expected future earnings are on par.

Let's take a look of the Price Earnings to Growth Ratio trends of RBL Bank Ltd:

  • The MRQ is 149.973. Seems overpriced? -1
  • The TTM is 149.973. Seems overpriced? -1
Trends
Current periodCompared to+/- 
MRQ149.973TTM149.9730.000
TTM149.973YOY26.028+123.945
TTM149.9735Y50.930+99.043
5Y50.93010Y50.9300.000
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
MRQ149.9730.111+149.862
TTM149.9730.278+149.695
YOY26.0280.058+25.970
5Y50.9300.377+50.553
10Y50.9300.415+50.515

2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of RBL Bank Ltd is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks industry mean).
  • A PB ratio of 0.62 means the investor is paying ₹0.62 for each ₹1 in book value.

Let's take a look of the Price to Book Ratio trends of RBL Bank Ltd:

  • The EOD is 0.717. Very good. +2
  • The MRQ is 0.622. Very good. +2
  • The TTM is 0.622. Very good. +2
Trends
Current periodCompared to+/- 
EOD0.717MRQ0.622+0.095
MRQ0.622TTM0.6220.000
TTM0.622YOY0.980-0.357
TTM0.6225Y1.822-1.199
5Y1.82210Y1.487+0.335
Compared to industry (Banks)
PeriodCompanyIndustry (mean)+/- 
EOD0.7170.789-0.072
MRQ0.6220.866-0.244
TTM0.6220.914-0.292
YOY0.9800.844+0.136
5Y1.8220.849+0.973
10Y1.4870.799+0.688
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of RBL Bank Ltd compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share---2.792-2.7920%4.117-168%18.688-115%34.835-108%
Book Value Growth--0.9890.9890%1.199-17%1.252-21%1.270-22%
Book Value Per Share--209.011209.0110%211.803-1%192.853+8%119.982+74%
Book Value Per Share Growth--0.9870.9870%1.020-3%1.134-13%1.134-13%
Current Ratio----0%-0%0.077-100%0.088-100%
Debt To Asset Ratio--0.8820.8820%0.874+1%0.887-1%0.897-2%
Debt To Equity Ratio--7.4727.4720%6.944+8%7.954-6%9.032-17%
Dividend Per Share----0%-0%1.565-100%1.673-100%
Eps---2.771-2.7710%8.854-131%10.214-127%6.998-140%
Eps Growth---0.313-0.3130%0.900-135%0.735-143%0.735-143%
Free Cash Flow Per Share--103.052103.0520%124.619-17%10.724+861%-21.937+121%
Free Cash Flow Per Share Growth--0.8270.8270%3.174-74%-5.292+740%-5.292+740%
Free Cash Flow To Equity Per Share--101.229101.2290%54.276+87%162.931-38%143.030-29%
Free Cash Flow To Equity Per Share Growth--1.8651.8650%1.575+18%2.101-11%2.101-11%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max--4449.402--------
Intrinsic Value_10Y_min--3701.639--------
Intrinsic Value_1Y_max--177.357--------
Intrinsic Value_1Y_min--172.338--------
Intrinsic Value_3Y_max--737.518--------
Intrinsic Value_3Y_min--692.878--------
Intrinsic Value_5Y_max--1544.389--------
Intrinsic Value_5Y_min--1401.302--------
Net Profit Margin---0.025-0.0250%0.086-129%0.117-122%0.165-115%
Operating Margin----0%-0%-0%-0%
Operating Ratio----0%-0%-0%0.298-100%
Pb Ratio0.717+13%0.6220.6220%0.980-36%1.822-66%1.487-58%
Pe Ratio-54.107-15%-46.944-46.9440%23.437-300%11.173-520%10.818-534%
Peg Ratio--149.973149.9730%26.028+476%50.930+194%50.930+194%
Price Per Share149.950+13%130.100130.1000%207.500-37%326.300-60%236.189-45%
Price To Total Gains Ratio-53.711-15%-46.601-46.6010%50.396-192%10.627-539%9.555-588%
Profit Growth---0.314-0.3140%1.059-130%0.820-138%1.159-127%
Quick Ratio----0%-0%0.005-100%0.010-100%
Return On Assets---0.002-0.0020%0.005-130%0.006-126%0.007-124%
Return On Equity---0.013-0.0130%0.042-132%0.057-123%0.069-119%
Revenue Growth--1.0671.0670%1.052+1%1.326-20%1.379-23%
Total Gains Per Share---2.792-2.7920%4.117-168%20.253-114%36.508-108%
Total Gains Per Share Growth---0.678-0.6780%0.118-674%0.409-266%0.409-266%
Usd Book Value--1541251143.3001541251143.3000%1557947335.500-1%1229434389.420+25%841138305.767+83%
Usd Book Value Change Per Share---0.034-0.0340%0.051-168%0.230-115%0.428-108%
Usd Book Value Per Share--2.5712.5710%2.605-1%2.372+8%1.476+74%
Usd Dividend Per Share----0%-0%0.019-100%0.021-100%
Usd Eps---0.034-0.0340%0.109-131%0.126-127%0.086-140%
Usd Free Cash Flow--759907530.000759907530.0000%916652580.000-17%132328489.740+474%73515827.633+934%
Usd Free Cash Flow Per Share--1.2681.2680%1.533-17%0.132+861%-0.270+121%
Usd Free Cash Flow To Equity Per Share--1.2451.2450%0.668+87%2.004-38%1.759-29%
Usd Price Per Share1.844+13%1.6001.6000%2.552-37%4.013-60%2.905-45%
Usd Profit---20436081.000-20436081.0000%65124527.100-131%57884117.340-135%46359371.033-144%
Usd Revenue--811797417.000811797417.0000%760740240.000+7%626124274.980+30%407832934.067+99%
Usd Total Gains Per Share---0.034-0.0340%0.051-168%0.249-114%0.449-108%
 EOD+2 -3MRQTTM+0 -0YOY+8 -275Y+13 -2610Y+14 -26

3.2. Fundamental Score

Let's check the fundamental score of RBL Bank Ltd based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-15-54.107
Price to Book Ratio (EOD)Between0-10.717
Net Profit Margin (MRQ)Greater than0-0.025
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.882
Debt to Equity Ratio (MRQ)Less than17.472
Return on Equity (MRQ)Greater than0.15-0.013
Return on Assets (MRQ)Greater than0.05-0.002
Total2/10 (20.0%)

3.3. Technical Score

Let's check the technical score of RBL Bank Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
OpenGreater thanClose151.700
Total1/1 (100.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2018-03-312019-03-312020-03-312021-03-312022-03-31
Income before Tax  9,738,1873,240,16112,978,348-5,504,8277,473,521-353,2447,120,277-9,185,347-2,065,070
Net Income  6,316,7232,261,6558,578,378-3,576,5575,001,821292,8565,294,677-6,956,147-1,661,470
Tax Provision  3,346,2001,018,5004,364,700-1,893,0002,471,700-646,1001,825,600-2,229,200-403,600
Net Income from Continuing Operations  6,391,9872,221,6618,613,648-3,611,8275,001,821292,8795,294,700-6,956,137-1,661,437
Net Income Applicable to Common Shares  6,316,7232,261,6558,578,378-3,576,5575,001,821292,8565,294,677-6,956,147-1,661,470



Latest Balance Sheet

Balance Sheet of 2022-03-31. Currency in INR. All numbers in thousands.

Summary
Total Assets1,061,626,366
Total Liabilities936,321,395
Total Stockholder Equity125,304,971
 As reported
Total Liabilities 936,321,395
Total Stockholder Equity+ 125,304,971
Total Assets = 1,061,626,366

Assets

Total Assets1,061,626,366
Total Current Assets-
Long-term Assets-
Total Current Assets
Cash And Cash Equivalents 175,572,656
Total Current Assets  (as reported)0
Total Current Assets  (calculated)175,572,656
+/- 175,572,656
Long-term Assets
Property Plant Equipment 5,784,227
Goodwill 406,776
Long Term Investments 221,291,643
Long-term Assets  (as reported)0
Long-term Assets  (calculated)227,482,646
+/- 227,482,646

Liabilities & Shareholders' Equity

Total Current Liabilities-
Long-term Liabilities-
Total Stockholder Equity125,304,971
Total Current Liabilities
Accounts payable 3,327,918
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)3,327,918
+/- 3,327,918
Long-term Liabilities
Long term Debt Total 110,977,579
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)110,977,579
+/- 110,977,579
Total Stockholder Equity
Common Stock5,995,138
Retained Earnings 29,207,955
Capital Surplus 88,597,664
Other Stockholders Equity 64,890
Total Stockholder Equity (as reported)125,304,971
Total Stockholder Equity (calculated)123,865,647
+/- 1,439,324
Other
Capital Stock5,995,138
Common Stock Shares Outstanding 599,514
Liabilities and Stockholders Equity 1,061,626,366
Net Invested Capital 238,908,099



Balance Sheet

Currency in INR. All numbers in thousands.

 Trend2022-03-312021-03-312020-03-312019-03-312018-03-312017-03-312016-03-312015-03-312014-03-31
> Total Assets 
181,970,770
271,046,718
391,610,900
486,755,326
618,772,724
803,977,898
889,834,600
1,006,187,684
1,061,626,366
1,061,626,3661,006,187,684889,834,600803,977,898618,772,724486,755,326391,610,900271,046,718181,970,770
   > Total Current Assets 
11,922,500
24,527,251
27,992,471
45,833,489
48,288,032
73,425,163
97,057,482
0
0
0097,057,48273,425,16348,288,03245,833,48927,992,47124,527,25111,922,500
       Cash And Cash Equivalents 
3,123,550
6,396,050
3,274,574
3,833,448
43,101,546
66,487,121
88,585,724
134,428,200
175,572,656
175,572,656134,428,20088,585,72466,487,12143,101,5463,833,4483,274,5746,396,0503,123,550
       Short-term Investments 
0
0
0
10,272,083
0
0
0
0
0
0000010,272,083000
       Net Receivables 
131,860
2,344,668
9,188,088
0
0
7,252,301
6,325,946
0
0
006,325,9467,252,301009,188,0882,344,668131,860
       Other Current Assets 
8,667,090
15,786,533
15,529,809
31,727,958
28,335,938
53,404,286
69,820,724
0
0
0069,820,72453,404,28628,335,93831,727,95815,529,80915,786,5338,667,090
   > Long-term Assets 000000000
       Property Plant Equipment 
1,332,930
1,644,385
1,773,000
2,587,088
3,396,429
4,155,062
4,924,197
4,952,038
5,784,227
5,784,2274,952,0384,924,1974,155,0623,396,4292,587,0881,773,0001,644,3851,332,930
       Goodwill 
0
0
0
0
182,909
406,776
406,776
406,776
406,776
406,776406,776406,776406,776182,9090000
       Long Term Investments 
65,180,390
97,922,960
144,360,338
134,824,701
153,970,444
167,451,749
180,545,489
230,852,300
221,291,643
221,291,643230,852,300180,545,489167,451,749153,970,444134,824,701144,360,33897,922,96065,180,390
       Intangible Assets 
0
0
0
0
1,326,600
1,555,900
1,666,400
2,007,700
0
02,007,7001,666,4001,555,9001,326,6000000
       Earning Assets 
0
0
144,360,300
144,884,119
166,416,388
176,391,026
197,693,782
289,696,703
0
0289,696,703197,693,782176,391,026166,416,388144,884,119144,360,30000
> Total Liabilities 
161,833,730
248,742,452
361,718,600
443,391,956
551,967,164
728,629,997
784,185,340
879,525,299
936,321,395
936,321,395879,525,299784,185,340728,629,997551,967,164443,391,956361,718,600248,742,452161,833,730
   > Total Current Liabilities 
142,528,420
225,454,664
314,275,950
383,295,234
484,036,974
605,111,618
584,932,955
0
0
00584,932,955605,111,618484,036,974383,295,234314,275,950225,454,664142,528,420
       Short-term Debt 
38,955,440
69,626,975
105,362,239
79,797,572
0
0
0
0
0
0000079,797,572105,362,23969,626,97538,955,440
       Short Long Term Debt 
38,955,440
69,626,975
105,362,239
79,797,572
0
0
0
0
0
0000079,797,572105,362,23969,626,97538,955,440
       Accounts payable 
115,986,020
170,992,508
243,486,512
345,880,914
438,831,015
583,576,321
578,120,141
5,121,302
3,327,918
3,327,9185,121,302578,120,141583,576,321438,831,015345,880,914243,486,512170,992,508115,986,020
       Other Current Liabilities 
0
824,636
716,513
2,534,240
2,379,437
1,994,252
1,568,748
0
0
001,568,7481,994,2522,379,4372,534,240716,513824,6360
   > Long-term Liabilities 000000000
       Long term Debt Total 
0
0
105,362,200
79,797,572
92,614,403
118,320,654
170,069,125
112,261,394
110,977,579
110,977,579112,261,394170,069,125118,320,65492,614,40379,797,572105,362,20000
> Total Stockholder Equity
20,137,040
22,304,266
29,892,300
43,363,370
66,805,560
75,347,901
105,649,260
126,662,385
125,304,971
125,304,971126,662,385105,649,26075,347,90166,805,56043,363,37029,892,30022,304,26620,137,040
   Common Stock
2,720,400
2,934,496
3,247,300
3,752,031
4,196,675
4,267,097
5,086,986
5,980,204
5,995,138
5,995,1385,980,2045,086,9864,267,0974,196,6753,752,0313,247,3002,934,4962,720,400
   Retained Earnings 
2,657,520
4,266,224
26,645,000
11,059,204
16,452,669
23,871,057
26,270,778
30,509,425
29,207,955
29,207,95530,509,42526,270,77823,871,05716,452,66911,059,20426,645,0004,266,2242,657,520
   Capital Surplus 
0
0
0
28,383,799
45,892,004
46,851,770
73,573,964
88,421,809
88,597,664
88,597,66488,421,80973,573,96446,851,77045,892,00428,383,799000
   Treasury Stock000000000
   Other Stockholders Equity 
1,415,990
155,813
165,517
168,336
264,212
357,977
717,532
47,405
64,890
64,89047,405717,532357,977264,212168,336165,517155,8131,415,990



Balance Sheet

Currency in INR. All numbers in thousands.




Cash Flow

Currency in INR. All numbers in thousands.




Income Statement

Currency in INR. All numbers in thousands.


Latest Income Statement (annual, 2022-03-31)

Gross Profit (+$)
totalRevenue65,999,790
Cost of Revenue--
Gross Profit-65,999,790
 
Operating Income (+$)
Gross Profit-
Operating Expense--
Operating Income-0
 
Operating Expense (+$)
Research Development-
Selling General Administrative675,950
Selling And Marketing Expenses-
Operating Expense-675,950
 
Net Interest Income (+$)
Interest Income84,448,578
Interest Expense-41,482,436
Net Interest Income42,966,14242,966,142
 
Pretax Income (+$)
Operating Income-
Net Interest Income42,966,142
Other Non-Operating Income Expenses-
Income Before Tax (EBT)-2,065,0700
EBIT - interestExpense = -41,482,436
-1,661,470
39,820,966
Interest Expense41,482,436
Earnings Before Interest and Taxes (ebit)-39,417,366
Earnings Before Interest and Taxes (ebitda)-
 
After tax Income (+$)
Income Before Tax-2,065,070
Tax Provision--403,600
Net Income From Continuing Ops-1,661,437-1,661,470
Net Income-1,661,470
Net Income Applicable To Common Shares-1,661,470
 
Non-recurring Events
Discontinued Operations-
Extraordinary Items-
Effect of Accounting Charges-
Other Items-
Non Recurring-
Other Operating Expenses-
Total Other Income/Expenses Net--42,966,142
 

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