| P&L Statement | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Interest Earned | 858 | 930.96 | 1380 | 1581 |
| Other Income | 62 | 160.02 | 254 | 114 |
| Interest Expended | 402 | 468.64 | 592 | 632 |
| Operating Expenses | 294 | 334.98 | 451 | 527 |
| Provisions and contingencies | 136 | 192.64 | 179 | 389 |
| PAT | 61 | 70.71 | 314 | 110 |
| EPS | 5.08 | 4.7 | 19.95 | 6.92 |
| Gross NPA | 4.5 | 2.8 | 1.64 | 2.77 |
| Net NPA | 1.32 | 0.21 | 0 | 0.47 |
| Financial Ratios | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Advances | 3710 | 4782.21 | 6616 | 5705 |
| Book Value | 85.25 | 88.98 | 121.62 | 127.43 |
| P / B | 2.17 | 2.08 | 1.52 | 2.04 |
| ROE (%) | 5.96 | 5.28 | 16.4 | 5.43 |
| Assets | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Fixed Assets | 4 | 5.3 | 11 | 13 |
| Cash and Balances | 1308 | 556.56 | 1268 | 673 |
| Investments | 0 | 78.77 | 90 | 363 |
| Advances | 3710 | 4782.21 | 6616 | 5705 |
| Other Assets | 207 | 595.3 | 130 | 132 |
| Total Assets | 5229 | 6018.14 | 8115 | 6886 |
| Liabilities | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Share Capital | 120 | 150.38 | 157.41 | 158.9 |
| FV | 10 | 10 | 10 | 10 |
| Reserves | 903 | 1187.63 | 1757 | 1866 |
| Borrowings | 3694 | 3809.36 | 5617 | 4304 |
| Deposits | 0 | 0 | 0 | 0 |
| Other Liabilities | 512 | 870.77 | 583.59 | 557.1 |
| Total Liabilities | 5229 | 6018.14 | 8115 | 6886 |
| Cash-Flow Statement | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| PBT (%) | 82 | 89.95 | 412 | 138 |
| OPBWC | 202 | 266.6 | 670 | -284 |
| Term Deposit | 0 | 0 | 0 | 0 |
| Change in Investment | 0 | 0 | 0 | 0 |
| Change in Advances | 80 | -1263.19 | -1972 | 527 |
| Change in Deposit | 0 | 0 | 0 | 0 |
| Other Changes | -16 | 66.99 | 76 | 819 |
| Working Capital Change | 64 | -1196.2 | -1896 | 1346 |
| Cash Generated From Operations | 266 | -929.6 | -1226 | 1062 |
| Tax | 42 | -6.42 | 4 | 49 |
| Cash Flow From Operations | 224 | -923.18 | -1230 | 1013 |
| Purchase of PPE | -0.97 | -3.01 | -7 | -4.8 |
| Sale of PPE | 0.026 | 0.004 | 0 | 0.01 |
| Purchase of Investment | 0 | -78.72 | -52 | -488 |
| Sale of investments | 0 | 0 | 0 | 191 |
| Others | -162 | -25.08 | 48 | 91.79 |
| Cash flow from Investment | -162.94 | -106.81 | -11 | -210 |
| Proceeds from Borrowing | 4670 | 6441.69 | 9350 | 10641 |
| Repayment of Borrowing | -4458 | -6055.44 | -7960 | -11944 |
| Dividend | 0 | 0 | 0 | 0 |
| Proceeds from Equity | 1.22 | 248 | 0.09 | 0 |
| Others From Financing | -479.86 | -1.33 | 232.91 | -2 |
| Cash Flow from Financing | -266.64 | 632.92 | 1623 | -1305 |
| Net Cash Generated | -205.58 | -397.07 | 382 | -502 |
| Cash at the Start | 1159 | 953.62 | 556 | 939 |
| Cash at the End | 953.42 | 556.55 | 938 | 437 |
| Name | Designation | Experience | Linkedin Profile |
|---|---|---|---|
| Manoj Kumar Nambiar | MD | 32 Yrs |
|
| Vineet Chandra Rai | Non-Executive Promoter (Founder Of The Aavishkaar Group) | 27 Yrs |
|