Saraswati Commercial (India) Ltd
₹ 11,300
-5.31%
25 Aug
- close price
About
Incorporated in 1983, Saraswati Commercial (India) Ltd deals in shares and securities & lending[1]
Key Points
- Market Cap ₹ 1,231 Cr.
- Current Price ₹ 11,300
- High / Low ₹ 14,800 / 8,650
- Stock P/E 9.31
- Book Value ₹ 9,967
- Dividend Yield 0.00 %
- ROCE 11.0 %
- ROE 9.00 %
- Face Value ₹ 10.0
Pros
- Company has reduced debt.
- Company is almost debt free.
- Stock is trading at 1.13 times its book value
- Company is expected to give good quarter
- Company has delivered good profit growth of 34.0% CAGR over last 5 years
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has a low return on equity of 10.4% 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.
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Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 99 | 19 | 11 | 16 | 9 | 1 | 28 | 87 | 24 | 128 | 75 | 121 | 165 | |
| Interest | 5 | 4 | 3 | 0 | 0 | 0 | 2 | 1 | 2 | 2 | 2 | 3 | 2 |
| 87 | 1 | 3 | 2 | 2 | 14 | 2 | 2 | 3 | 3 | 5 | 6 | 5 | |
| Financing Profit | 8 | 14 | 5 | 14 | 7 | -13 | 25 | 84 | 19 | 123 | 69 | 112 | 158 |
| Financing Margin % | 8% | 73% | 48% | 84% | 80% | -959% | 89% | 96% | 80% | 96% | 91% | 93% | 95% |
| 1 | -0 | -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 | 8 | 14 | 5 | 14 | 7 | -13 | 25 | 84 | 19 | 123 | 69 | 112 | 158 |
| Tax % | 18% | 0% | -2% | -17% | 10% | -26% | 14% | 22% | 39% | 16% | 22% | 18% | |
| 7 | 14 | 5 | 16 | 7 | -10 | 21 | 65 | 12 | 104 | 53 | 92 | 132 | |
| EPS in Rs | 159.56 | 66.64 | -96.01 | 213.21 | 629.96 | 113.21 | 1,008.93 | 487.36 | 842.32 | 1,207.13 | |||
| Dividend Payout % | -0% | -0% | -0% | -0% | -0% | -0% | -0% | -0% | -0% | -0% | -0% | -0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 20% |
| 5 Years: | 34% |
| 3 Years: | 72% |
| TTM: | 327% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 21% |
| 5 Years: | 34% |
| 3 Years: | 99% |
| TTM: | 439% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 40% |
| 3 Years: | 63% |
| 1 Year: | -20% |
| Return on Equity | |
|---|---|
| 10 Years: | 9% |
| 5 Years: | 10% |
| 3 Years: | 10% |
| Last Year: | 9% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 0.64 | 0.64 | 0.64 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Reserves | 21 | 35 | 115 | 128 | 135 | 155 | 275 | 421 | 432 | 689 | 958 | 1,091 |
| Borrowing | 32 | 42 | 8 | 32 | 0 | 10 | 5 | 28 | 22 | -0 | 43 | 0 |
| 6 | 5 | 9 | 1 | 0 | 0 | 12 | 30 | 26 | 67 | 91 | 108 | |
| Total Liabilities | 59 | 82 | 133 | 162 | 137 | 166 | 293 | 480 | 482 | 758 | 1,093 | 1,201 |
| -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 |
| Investments | 44 | 51 | 97 | 119 | 117 | 135 | 286 | 465 | 480 | 749 | 1,069 | 1,080 |
| 16 | 32 | 36 | 42 | 20 | 31 | 7 | 14 | 2 | 8 | 25 | 121 | |
| Total Assets | 59 | 82 | 133 | 162 | 137 | 166 | 293 | 480 | 482 | 758 | 1,093 | 1,201 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -5 | -16 | -23 | -6 | -16 | -18 | -5 | 50 | 27 | 33 | 9 | ||
| 10 | 20 | 27 | 8 | 16 | 16 | 4 | -81 | -22 | -7 | -108 | ||
| -5 | -4 | -3 | -3 | -0 | 9 | -7 | 33 | -7 | -24 | 120 | ||
| Net Cash Flow | -0 | 0 | 2 | -1 | -0 | 7 | -7 | 2 | -2 | 2 | 20 | |
| Free Cash Flow | -5 | -16 | -23 | -6 | -16 | -18 | -5 | 50 | 27 | 33 | 9 | |
| CFO/OP | -31% | -79% | -282% | -35% | -199% | 136% | -19% | 68% | 186% | 36% | 33% |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 36% | 49% | 7% | 13% | 5% | -7% | 10% | 19% | 3% | 18% | 6% | 9% |
Insights
In beta| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Number of Permanent Employees count |
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| Number of Subsidiaries count |
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| Total Investment Portfolio Rs. Lakhs |
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| Loan Book (Total Advances) Rs. Lakhs |
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| Quoted Investments Rs. Lakhs |
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| Unquoted Investments Rs. Lakhs |
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Documents
Announcements
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
- Newspaper Publication of Un- Audited Standalone & Consolidated Financial Results for the quarter ended 30th June, 2026 of Saraswati Commercial (India) Limited.
-
43RD ANNUAL GENERAL MEETING OF SARASWATI COMMERCIAL (INDIA) LIMITED
- 43rd AGM on 24 Sep 2026 via VC/OAVM; book closure 17-24 Sep, e-voting 20-23 Sep.
-
Register Of Members And Share Transfer Books Of The Company Will Remain Closed From Thursday, 17Th September, 2026 To Thursday 24Th September, 2026 (Both Days Inclusive) For The Purpose Of The 43Rd Annual General Meeting Of The Company Scheduled To Be Held On Thursday, 24Th September, 2026.
- 43rd AGM on 24 September 2026 via VC/OAVM; book closure 17-24 September and e-voting dates announced.
-
Announcement under Regulation 30 (LODR)-Change in Directorate
- Board reappointed Vallabh Prasad Biyani as independent director for second 5-year term from 11 Feb 2027, subject to shareholder approval.
-
Considered And Approved The Un-Audited Standalone And Consolidated Financial Results For The Quarter Ended 30Th June, 2026 Along With The Limited Review Report From Statutory Auditors For The Corresponding Period.
- Board approved Q1 FY2027 results, AGM on 24 Sept 2026, director re-appointments, and book closure.
Annual reports
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Annual Report 2025
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Annual Report 2024
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Annual Report 2023
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Annual Report 2022
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Annual Report 2021
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Annual Report 2020
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Annual Report 2019
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Annual Report 2018
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Annual Report 2017
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Annual Report 2016
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Annual Report 2015
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Annual Report 2014
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Annual Report 2013
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Annual Report 2012
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Annual Report 2011
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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.