Select year
Particulars
Mar 2025
Mar 2024
Mar 2023
Mar 2022
Mar 2021
Operational & Financial Ratios
Earnings Per Share (Rs)
1.69
2.29
1.95
1.42
1.47
DPS(Rs)
0.00
0.00
0.00
0.00
0.00
Book NAV/Share(Rs)
31.33
34.40
31.66
30.11
28.67
Yield on Advances
11.04
11.95
11.33
11.26
13.71
Cost of Liabilities
5.16
5.13
4.30
4.42
5.07
NIM
2.84
3.05
3.35
2.80
2.70
Interest Spread
5.88
6.82
7.03
6.84
8.65
ROA(%)
0.39
0.37
0.34
0.27
0.29
ROE(%)
6.33
6.92
6.32
4.83
5.26
ROCE(%)
5.87
5.78
6.13
5.37
5.73
Cost Income Ratio
85.42
88.66
77.61
74.73
81.01
Core Cost Income Ratio
87.19
91.51
72.05
87.84
92.25
Operating Costs to Assets
3.11
3.39
2.82
2.88
2.79
Tier 2 ratio
NA
NA
NA
NA
NA
PER(x)
17.57
14.64
7.41
8.73
10.09
PCE(x)
12.73
12.59
5.19
5.61
7.14
Price/Book(x)
0.95
1.20
0.46
0.41
0.52
Yield(%)
0.00
0.00
0.00
0.00
0.00
EV/Net Sales(x)
1.04
1.11
0.80
0.51
0.56
EV/Core EBITDA(x)
14.41
19.39
6.96
3.45
6.12
EV/EBIT(x)
1.52
1.67
1.33
0.79
0.82
EV/CE(x)
0.95
1.15
0.66
0.51
0.60
M Cap / Sales
0.89
0.86
0.34
0.34
0.40
Core Operating Income Growth
5.42
-3.64
31.31
9.91
-11.66
Net Profit Growth
15.25
17.14
37.48
-3.45
-43.46
BVPS Growth
-8.92
8.66
5.13
5.03
5.48
Advances Growth
18.39
6.88
16.08
19.96
4.48
EPS Growth(%)
-26.12
17.14
37.48
-3.45
-43.46
Cash / Deposits(x)
0.06
0.05
0.06
0.06
0.05
Investment / Deposits(x)
0.25
0.28
0.29
0.33
0.38
IncLoan / Deposits(x)
1.25
2.09
3.69
1.21
1.28
Total Debt/Mcap(x)
NA
NA
NA
NA
NA
Net NPAs (funded) to Net Advances (%)
0.99
1.25
1.16
2.85
4.76