Saraswati Commercial (India) Ltd
Incorporated in 1983, Saraswati Commercial (India) Ltd deals in shares and securities & lending[1]
- Market Cap ₹ 1,315 Cr.
- Current Price ₹ 11,999
- High / Low ₹ 17,890 / 9,215
- Stock P/E 15.4
- Book Value ₹ 9,712
- Dividend Yield 0.00 %
- ROCE 8.32 %
- ROE 6.47 %
- Face Value ₹ 10.0
Pros
- Company is almost debt free.
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has a low return on equity of 9.31% over last 3 years.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Financial Services Financial Services Finance Non Banking Financial Company (NBFC)
Part of BSE Allcap BSE Financial Services
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 22 | 99 | 19 | 11 | 16 | 9 | 1 | 28 | 87 | 24 | 128 | 75 | 111 | |
| Interest | 1 | 5 | 4 | 3 | 0 | 0 | 0 | 2 | 1 | 2 | 2 | 2 | 3 |
| 21 | 87 | 1 | 3 | 2 | 2 | 14 | 2 | 2 | 3 | 3 | 5 | 5 | |
| Financing Profit | 0 | 8 | 14 | 5 | 14 | 7 | -13 | 25 | 84 | 19 | 123 | 69 | 103 |
| Financing Margin % | 0% | 8% | 73% | 48% | 84% | 80% | -959% | 89% | 96% | 80% | 96% | 91% | 92% |
| 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 0 | 8 | 14 | 5 | 14 | 7 | -13 | 25 | 84 | 19 | 123 | 69 | 103 |
| Tax % | 0% | 18% | 0% | -2% | -17% | 10% | -26% | 14% | 22% | 39% | 16% | 22% | |
| 0 | 7 | 14 | 5 | 16 | 7 | -10 | 21 | 65 | 12 | 104 | 53 | 86 | |
| EPS in Rs | 159.56 | 66.64 | -96.01 | 213.21 | 629.96 | 113.21 | 1,008.93 | 487.36 | 781.73 | ||||
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | -3% |
| 5 Years: | 123% |
| 3 Years: | -5% |
| TTM: | -16% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 23% |
| 5 Years: | 50% |
| 3 Years: | -6% |
| TTM: | -13% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 66% |
| 3 Years: | 66% |
| 1 Year: | -7% |
| Return on Equity | |
|---|---|
| 10 Years: | 10% |
| 5 Years: | 11% |
| 3 Years: | 9% |
| Last Year: | 6% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 0.64 | 0.64 | 0.64 | 0.64 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Reserves | 14 | 21 | 35 | 115 | 128 | 135 | 155 | 275 | 421 | 432 | 689 | 958 | 1,063 |
| Borrowing | 41 | 32 | 42 | 8 | 32 | 0 | 10 | 5 | 28 | 22 | 0 | 43 | 54 |
| 12 | 6 | 5 | 9 | 1 | 0 | 0 | 12 | 30 | 26 | 67 | 91 | 109 | |
| Total Liabilities | 67 | 59 | 82 | 133 | 162 | 137 | 166 | 293 | 480 | 482 | 758 | 1,093 | 1,227 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 37 | 44 | 51 | 97 | 119 | 117 | 135 | 286 | 465 | 480 | 749 | 1,069 | 1,048 |
| 30 | 16 | 32 | 36 | 42 | 20 | 31 | 7 | 14 | 2 | 8 | 25 | 179 | |
| Total Assets | 67 | 59 | 82 | 133 | 162 | 137 | 166 | 293 | 480 | 482 | 758 | 1,093 | 1,227 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 25 | -5 | -16 | -23 | -6 | -16 | -18 | -5 | 50 | 27 | 33 | 9 | |
| -23 | 10 | 20 | 27 | 8 | 16 | 16 | 4 | -81 | -22 | -7 | -108 | |
| -1 | -5 | -4 | -3 | -3 | -0 | 9 | -7 | 33 | -7 | -24 | 120 | |
| Net Cash Flow | 0 | -0 | 0 | 2 | -1 | -0 | 7 | -7 | 2 | -2 | 2 | 20 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 0% | 36% | 49% | 7% | 13% | 5% | -7% | 10% | 19% | 3% | 18% | 6% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Newspaper Publication
13 Feb - Newspaper Publication of Financial Results for the quarter and nine months ended 31st December, 2025 of Saraswati Commercial (India) Limited.
- Considered & Approved Un-Audited Standalone And Consolidated Financial Results For The Quarter & Nine Months Ended 31St December, 2025 Along With The Limited Review Report From Statutory Auditors For The Corresponding Period. 12 Feb
-
Board Meeting Outcome for Outcome Of The Board Meeting Held On Thursday, 12Th February, 2026
12 Feb - Board approved unaudited standalone and consolidated Q3/9M results ended 31 Dec 2025 on 12 Feb 2026; limited review unmodified.
-
Board Meeting Intimation for Forthcoming Meeting Of Board To Be Held On Thursday, 12Th February, 2026.
5 Feb - Board meeting on 12 Feb 2026 to approve Q3/9M results for quarter ended 31 Dec 2025.
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
5 Feb - Newspaper publication regarding special window for transfer and dematerialisation of physical securities of Saraswati Commercial (India) Limited.
Annual reports
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Financial Year 2025
from bse
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Financial Year 2024
from bse
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
from bse
Business Overview:[1][2][3]
SCIL is a Systemically Important Non
deposit-taking Non-Banking Financial
Company registered with RBI under the category of Investment and Credit Company.
It is in the business of investment in shares
and securities and lending activities. Company is identified for categorization as NBFC -Middle Layer under Scale Based Regulation, as the asset size of the company together with other NBFCs in a group is 1000+ crores.