Saraswati Commercial India Limited
Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)
Key metrics
Price as of 2026-07-20
Stock price
₹12883.50
Market cap
1,324 Cr
Stock P/E
15.5
P/B
0.00
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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 | -73,898 Cr | 35,914 Cr | -42,081 Cr | -26,417 Cr | 26,415 Cr | 35,655 Cr | -14,852 Cr | 18,943 Cr | -0.57 Cr | -0.15 Cr | 2 Cr | 0.28 Cr |
| Other income | 0.0000 Cr | 0.0000 Cr | 9,622 Cr | 6 Cr | 2 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr |
| Net operating income | -73,898 Cr | 35,914 Cr | -32,459 Cr | -26,411 Cr | 26,417 Cr | 35,655 Cr | -14,852 Cr | 18,943 Cr | -0.57 Cr | -0.15 Cr | 2 Cr | 0.28 Cr |
| Employee cost | 76,832 Cr | 33,052 Cr | 37,395 Cr | 70,955 Cr | 91,131 Cr | 0.57 Cr | 68,118 Cr | 56,434 Cr | 0.71 Cr | 0.68 Cr | 0.69 Cr | 0.73 Cr |
| Other expenses | 63,658 Cr | 19,568 Cr | 25,548 Cr | 23,484 Cr | 16,694 Cr | 76,434 Cr | 58,732 Cr | 54,028 Cr | 0.61 Cr | 0.50 Cr | 0.47 Cr | 0.51 Cr |
| Provisions & contingencies | — | — | — | — | — | — | — | — | — | — | — | — |
| Depreciation | 0.0030 Cr | 117 Cr | 137 Cr | 112 Cr | 177 Cr | 191 Cr | 269 Cr | 478 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 | — | -21,150 Cr | 95,761 Cr | 4,538 Cr | 62,194 Cr | 2 Cr | 0.94 Cr | Sign in for TTM |
| Other income | 7,207 Cr | 0.12 Cr | 0.04 Cr | 2,327 Cr | 674 Cr | 8 Cr | 0.0000 Cr | Sign in for TTM |
| Net operating income | 7,207 Cr | -21,150 Cr | 95,762 Cr | 6,865 Cr | 62,868 Cr | 10 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 | 26,737 Cr | 38,269 Cr | 36,275 Cr | 0.79 Cr | 1 Cr | 85,294 Cr | 2 Cr | Sign in for TTM |
| Provisions & contingencies | — | — | — | — | — | — | — | Sign in for TTM |
| Depreciation | 2,118 Cr | 0.0000 Cr | 1,063 Cr | 991 Cr | 0.01 Cr | 543 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 % | 959625.4% | 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 |
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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 | 157 Cr | 280 Cr | 426 Cr | 440 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) | — | 4,067 Cr | 3,835 Cr | 4,934 Cr | 3,734 Cr | 4,143 Cr | 0.05 Cr |
| CWIP | — | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | — |
| Investments | 117 Cr | 137 Cr | 292 Cr | 474 Cr | 489 Cr | 762 Cr | 1,084 Cr |
| Other assets | 17,848 Cr | 11,689 Cr | 2,226 Cr | 3 Cr | 13,653 Cr | 4 Cr | 23 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) | — | — | — | -2,041 Cr | -1,053 Cr | -965 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 % | 5853.3% | 17228.2% | 9.2% | 19402.0% | -140.9% | 16.7% | 6.9% |
| ROE % | 5.0% | -6.1% | 7.6% | 15.1% | 2.6% | 14.8% | 5.5% |
| Debtor days | 0 | 3419515 | 0 | 4 | 0 | 4 | — |
| Inventory days | 287 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days payable | — | — | — | — | — | — | — |
| Cash conversion cycle | 287 | 3419515 | 0 | 4 | 0 | 4 | 0 |
| Debt / equity | 0.00 | 0.06 | 0.02 | 0.06 | 0.05 | 0.0000 | 0.04 |
| Current ratio | 0.0002 | — | — | — | — | — | — |
| Net debt / EBITDA | -1.77 | 0.0001 | -2.04 | 0.0003 | — | -0.0039 | 0.28 |
Compare with peers
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