Saraswati Commercial India Limited
Saraswati Commercial India Limited (ZSARACOM) financial statements and selected valuation metrics from NSE/BSE exchange filings through 31 December 2025.
Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)
saraswaticommercial.com(opens the company website in a new tab)Key metrics
Price as of 2026-09-02
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Share price
NSE closing price from historical market data.
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Statement tables · Consolidated
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -0.74 Cr | 0.36 Cr | 0.87 Cr | 0.77 Cr | 0.26 Cr | 0.29 Cr | 1 Cr | 0.19 Cr | -0.57 Cr | -0.15 Cr | 2 Cr | 0.28 Cr |
| Other income | 0 Cr | 0 Cr | 0.10 Cr | 0.0001 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr |
| Net operating income | -0.74 Cr | 0.36 Cr | 0.97 Cr | 0.77 Cr | 0.26 Cr | 0.29 Cr | 1 Cr | 0.19 Cr | -0.57 Cr | -0.15 Cr | 2 Cr | 0.28 Cr |
| Employee cost | 0.77 Cr | 0.33 Cr | 0.37 Cr | 0.71 Cr | 0.91 Cr | 0.57 Cr | 0.68 Cr | 0.56 Cr | 0.71 Cr | 0.68 Cr | 0.69 Cr | 0.73 Cr |
| Other expenses | 0.64 Cr | 0.20 Cr | 0.26 Cr | 0.23 Cr | 0.17 Cr | 0.76 Cr | 0.59 Cr | 0.54 Cr | 0.61 Cr | 0.50 Cr | 0.47 Cr | 0.51 Cr |
| Provisions & contingencies | — | — | — | — | — | — | — | — | — | — | — | — |
| Depreciation | 0.0030 Cr | 0.0012 Cr | 0.0014 Cr | 0.0011 Cr | 0.0018 Cr | 0.0019 Cr | 0.0027 Cr | 0.0048 Cr | 0.0046 Cr | 0.0025 Cr | 0.0025 Cr | 0.0039 Cr |
| Profit before tax | -20 Cr | 28 Cr | 28 Cr | 39 Cr | 29 Cr | 67 Cr | 77 Cr | -46 Cr | -28 Cr | 29 Cr | 72 Cr | 30 Cr |
| Tax % | 12.7% | 13.9% | 13.9% | 14.4% | 21.7% | 21.5% | 17.3% | 14.8% | 18.9% | 19.2% | 16.0% | 17.6% |
| Net profit | -17 Cr | 24 Cr | 24 Cr | 33 Cr | 22 Cr | 52 Cr | 63 Cr | -39 Cr | -23 Cr | 24 Cr | 60 Cr | 25 Cr |
| EPS (₹) | ₹-168.78 | ₹237.09 | ₹231.12 | ₹323.48 | ₹217.16 | ₹509.22 | ₹614.85 | ₹-382.53 | ₹-222.34 | ₹258.79 | ₹615.32 | ₹233.27 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | — | -0.21 Cr | -0.56 Cr | 0.05 Cr | -1 Cr | 2 Cr | 0.94 Cr | Sign in for TTM |
| Other income | 0.07 Cr | 0.12 Cr | 0.04 Cr | 0.02 Cr | 0.0067 Cr | 0.0001 Cr | 0 Cr | Sign in for TTM |
| Net operating income | 0.07 Cr | -0.09 Cr | -0.52 Cr | 0.07 Cr | -1 Cr | 2 Cr | 0.94 Cr | Sign in for TTM |
| Employee cost | 1 Cr | 1 Cr | 1 Cr | 1 Cr | 2 Cr | 2 Cr | 3 Cr | Sign in for TTM |
| Other expenses | 0.27 Cr | 0.38 Cr | 0.36 Cr | 0.79 Cr | 1 Cr | 0.85 Cr | 2 Cr | Sign in for TTM |
| Provisions & contingencies | — | — | — | — | — | — | — | Sign in for TTM |
| Depreciation | 0.02 Cr | 0 Cr | 0.01 Cr | 0.0099 Cr | 0.01 Cr | 0.0054 Cr | 0.01 Cr | Sign in for TTM |
| Profit before tax | 8 Cr | -13 Cr | 25 Cr | 84 Cr | 19 Cr | 123 Cr | 69 Cr | Sign in for TTM |
| Tax % | 9.6% | 26.3% | 14.3% | 22.4% | 38.7% | 15.8% | 22.4% | Sign in for TTM |
| Net profit | 7 Cr | -10 Cr | 21 Cr | 65 Cr | 12 Cr | 104 Cr | 53 Cr | Sign in for TTM |
| EPS (₹) | ₹67.45 | ₹-96.09 | ₹213.07 | ₹631.68 | ₹113.48 | ₹1008.85 | ₹517.51 | Sign in for TTM |
| Dividend payout % | — | — | — | 0.0% | 0.0% | 0.0% | 0.0% | Sign in for TTM |
Trailing twelve months totals and margin rows
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| Equity capital | 1 Cr | 1 Cr | 1 Cr | 1 Cr | 1 Cr | 1 Cr | 1 Cr |
| Reserves | 135 Cr | 156 Cr | 278 Cr | 426 Cr | 437 Cr | 696 Cr | 966 Cr |
| Borrowings | — | 10 Cr | 5 Cr | 28 Cr | 22 Cr | 0.01 Cr | 43 Cr |
| Other liabilities | 1 Cr | 0.23 Cr | 13 Cr | 31 Cr | 27 Cr | 69 Cr | 93 Cr |
| Total liabilities | 137 Cr | 168 Cr | 299 Cr | 488 Cr | 491 Cr | 770 Cr | 1,109 Cr |
| Fixed assets (net) | 0.05 Cr | 0.04 Cr | 0.04 Cr | 0.05 Cr | 0.04 Cr | 0.04 Cr | 0.05 Cr |
| CWIP | — | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr | — |
| Investments | 117 Cr | 137 Cr | 292 Cr | 474 Cr | 489 Cr | 762 Cr | 1,084 Cr |
| Loans & advances | — | 0.10 Cr | 0.84 Cr | 0.75 Cr | 0.14 Cr | 2 Cr | 0.34 Cr |
| Inventories | 7 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr |
| Trade receivables | 0 Cr | 0.12 Cr | 0 Cr | 0.91 Cr | 0 Cr | 1 Cr | — |
| Cash & bank | 0.18 Cr | 7 Cr | 0.02 Cr | 2 Cr | 0.14 Cr | 3 Cr | 23 Cr |
| Other assets | 12 Cr | 23 Cr | 6 Cr | 11 Cr | 1 Cr | 2 Cr | 2 Cr |
| Total assets | 137 Cr | 168 Cr | 299 Cr | 488 Cr | 491 Cr | 770 Cr | 1,109 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| Cash from operating activity | — | — | — | 50 Cr | 27 Cr | 33 Cr | 9 Cr |
| Cash from investing | — | — | — | -81 Cr | -22 Cr | -7 Cr | -108 Cr |
| Cash from financing | — | — | — | 33 Cr | -7 Cr | -24 Cr | 120 Cr |
| Net cash flow | — | — | — | 2 Cr | -2 Cr | 2 Cr | 20 Cr |
| Free cash flow (OCF − Capex) | — | — | — | 50 Cr | -1,053 Cr | 33 Cr | 9 Cr |
Ratios
Ratios as reported or derived per annual period.
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| ROCE % | 5.7% | -7.6% | 9.2% | 18.5% | 4.5% | 17.8% | 6.9% |
| ROE % | 5.0% | -6.1% | 7.6% | 15.1% | 2.6% | 14.8% | 5.5% |
| Debtor days | 0 | 34 | 0 | 4 | 0 | 4 | — |
| Inventory days | 287 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days payable | — | — | — | — | — | — | — |
| Cash conversion cycle | 287 | 34 | 0 | 4 | 0 | 4 | 0 |
| Debt / equity | 0.00 | 0.06 | 0.02 | 0.06 | 0.05 | 0.0000 | 0.04 |
| Current ratio | 17.04 | — | — | — | — | — | — |
| Net debt / EBITDA | -0.02 | — | 0.18 | 0.31 | 1.06 | -0.02 | 0.28 |
Regulatory ratios (standalone basis)
RBI/Basel III ratios — NPA, CET1, CRAR, NIM, ROA — for the licensed banking entity. Always sourced from the standalone filing, even on the consolidated view, since these have no consolidated-group definition.
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| Gross NPA | — | — | — | — | — | — | — |
| Gross NPA % | — | — | — | — | — | — | — |
| Net NPA | — | — | — | — | — | — | — |
| Net NPA % | — | — | — | — | — | — | — |
| CET1 % | — | — | — | — | — | — | — |
| Additional Tier 1 % | — | — | — | — | — | — | — |
| Capital adequacy % | — | — | — | — | — | — | — |
| NIM % | — | — | — | — | — | — | — |
| ROA % | — | — | — | — | — | — | — |
Compare with peers
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