ZSARACOM

Saraswati Commercial India Limited

Saraswati Commercial India Limited (ZSARACOM) financial statements and selected valuation metrics through 30 June 2026.

Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)

saraswaticommercial.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹9805.00
Market cap
1,075 Cr
Stock P/E
8.1
P/B
0.98
ROE (FY26)
8.3%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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Company snapshot

33rdBy market cap

Ranked among 58 companies in Non Banking Financial Company (NBFC).

What we see

Positives
  • ✓Net margin of 803.4% — the business keeps a healthy share of every rupee it earns.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.
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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 · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income0.87 Cr0.77 Cr0.26 Cr0.29 Cr1 Cr0.19 Cr-0.57 Cr-0.15 Cr2 Cr0.28 Cr2 Cr2 Cr
Other income0.10 Cr0.0001 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0.0001 Cr0 Cr
Net operating income0.97 Cr0.77 Cr0.26 Cr0.29 Cr1 Cr0.19 Cr-0.57 Cr-0.15 Cr2 Cr0.28 Cr2 Cr2 Cr
Employee cost0.37 Cr0.71 Cr0.91 Cr0.57 Cr0.68 Cr0.56 Cr0.71 Cr0.68 Cr0.69 Cr0.73 Cr0.83 Cr0.69 Cr
Other expenses0.26 Cr0.23 Cr0.17 Cr0.76 Cr0.59 Cr0.54 Cr0.61 Cr0.50 Cr0.47 Cr0.51 Cr0.76 Cr0.52 Cr
Provisions & contingencies————————————
Depreciation0.0014 Cr0.0011 Cr0.0018 Cr0.0019 Cr0.0027 Cr0.0048 Cr0.0046 Cr0.0025 Cr0.0025 Cr0.0039 Cr0.0070 Cr0.0040 Cr
Profit before tax28 Cr39 Cr29 Cr67 Cr77 Cr-46 Cr-28 Cr29 Cr72 Cr30 Cr-19 Cr74 Cr
Tax %13.9%14.4%21.7%21.5%17.3%14.8%18.9%19.2%16.0%17.6%12.6%14.5%
Net profit24 Cr33 Cr22 Cr52 Cr63 Cr-39 Cr-23 Cr24 Cr60 Cr25 Cr-16 Cr64 Cr
EPS (₹)₹231.12₹323.48₹217.16₹509.22₹614.85₹-382.53₹-222.34₹258.79₹615.32₹233.27₹-148.86₹579.97

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income———-0.21 Cr-0.56 Cr0.05 Cr-1 Cr2 Cr0.94 Cr4 CrSign in free for the trailing twelve months
Other income4 Cr16 Cr0.07 Cr0.12 Cr0.04 Cr0.02 Cr0.0067 Cr0.0001 Cr0 Cr0.0001 CrSign in free for the trailing twelve months
Net operating income4 Cr16 Cr0.07 Cr-0.09 Cr-0.52 Cr0.07 Cr-1 Cr2 Cr0.94 Cr4 CrSign in free for the trailing twelve months
Employee cost1 Cr1 Cr1 Cr1 Cr1 Cr1 Cr2 Cr2 Cr3 Cr3 CrSign in free for the trailing twelve months
Other expenses1 Cr1 Cr0.27 Cr0.38 Cr0.36 Cr0.79 Cr1 Cr0.85 Cr2 Cr2 CrSign in free for the trailing twelve months
Provisions & contingencies——————————Sign in free for the trailing twelve months
Depreciation0.03 Cr0.02 Cr0.02 Cr0 Cr0.01 Cr0.0099 Cr0.01 Cr0.0054 Cr0.01 Cr0.02 CrSign in free for the trailing twelve months
Profit before tax5 Cr14 Cr8 Cr-13 Cr25 Cr84 Cr19 Cr123 Cr69 Cr112 CrSign in free for the trailing twelve months
Tax %-1.6%-16.9%9.6%26.3%14.3%22.4%38.7%15.8%22.4%17.8%Sign in free for the trailing twelve months
Net profit5 Cr16 Cr7 Cr-10 Cr21 Cr65 Cr12 Cr104 Cr53 Cr92 CrSign in free for the trailing twelve months
EPS (₹)₹81.59₹165.57₹67.45₹-96.09₹213.07₹631.68₹113.48₹1008.85₹517.51₹842.32Sign in free for the trailing twelve months
Dividend payout %————0.0%0.0%0.0%0.0%0.0%0.0%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital0.64 Cr1 Cr1 Cr1 Cr1 Cr1 Cr1 Cr1 Cr1 Cr1 Cr
Reserves115 Cr128 Cr135 Cr156 Cr278 Cr426 Cr437 Cr696 Cr966 Cr1,100 Cr
Borrowings8 Cr32 Cr—10 Cr5 Cr28 Cr22 Cr0.01 Cr43 Cr0.12 Cr
Other liabilities9 Cr0.66 Cr1 Cr0.23 Cr13 Cr31 Cr27 Cr69 Cr93 Cr111 Cr
Total liabilities133 Cr162 Cr137 Cr168 Cr299 Cr488 Cr491 Cr770 Cr1,109 Cr1,218 Cr
Fixed assets (net)0.08 Cr0.08 Cr0.05 Cr0.04 Cr0.04 Cr0.05 Cr0.04 Cr0.04 Cr0.05 Cr0.05 Cr
CWIP———0 Cr0 Cr0 Cr0 Cr0 Cr—0 Cr
Investments97 Cr119 Cr117 Cr137 Cr292 Cr474 Cr489 Cr762 Cr1,084 Cr1,097 Cr
Loans & advances———0.10 Cr0.84 Cr0.75 Cr0.14 Cr2 Cr0.34 Cr116 Cr
Inventories1 Cr7 Cr7 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr
Trade receivables3 Cr—0 Cr0.12 Cr0 Cr0.91 Cr0 Cr1 Cr—2 Cr
Cash & bank2 Cr0.32 Cr0.18 Cr7 Cr0.02 Cr2 Cr0.14 Cr3 Cr23 Cr2 Cr
Other assets30 Cr35 Cr12 Cr23 Cr6 Cr11 Cr1 Cr2 Cr2 Cr1 Cr
Total assets133 Cr162 Cr137 Cr168 Cr299 Cr488 Cr491 Cr770 Cr1,109 Cr1,218 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-23 Cr-6 Cr-16 Cr-18 Cr-5 Cr50 Cr27 Cr33 Cr9 Cr-114 Cr
Cash from investing27 Cr8 Cr16 Cr16 Cr4 Cr-81 Cr-22 Cr-7 Cr-108 Cr139 Cr
Cash from financing-3 Cr-3 Cr-0.15 Cr9 Cr-7 Cr33 Cr-7 Cr-24 Cr120 Cr-45 Cr
Net cash flow1 Cr-1 Cr-0.15 Cr7 Cr-7 Cr2 Cr-2 Cr2 Cr20 Cr-21 Cr
Free cash flow (OCF − Capex)—-6 Cr——-5 Cr50 Cr-1,053 Cr33 Cr9 Cr-114 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %4.5%12.4%5.0%-6.1%7.6%15.1%2.6%14.8%5.5%8.3%
Debt / equity0.070.250.000.060.020.060.050.00000.040.0001