Salem Erode Investments Ltd

₹ 30.4 -3.70%

30 Mar - close price

About

Incorporated in 1931, Salem Erode Investments Ltd is an NBFC specializing in gold loan
financing.^[1]

Key Points

Business Overview:^[1]^[2]
SEIL is registered as a non-banking financial company, which is primarily engaged in gold
loan financing and lending to ICL Fincorp Limited, through Intercorporate Deposits (ICD). It is operating out of 38 branches, in Tamil Nadu and Odisha with 1681 active customer base

Website BSE

Market Cap ₹ 34.9 Cr.
Current Price ₹ 30.4
High / Low ₹ 66.4 / 29.0
Stock P/E 42.0
Book Value ₹
Dividend Yield 0.00 %
ROCE 6.34 %
ROE 4.96 %
Face Value ₹ 1.00

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Pros

Company is almost debt free.

Cons

* 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)

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Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone



Interest

Financing Profit
Financing Margin %

Depreciation
Profit before tax
Tax %

EPS in Rs
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018
	11.33	1.35	1.37
Interest	0.00	0.00	0.00
	0.20	0.78	0.30
Financing Profit	11.13	0.57	1.07
Financing Margin %	98.23%	42.22%	78.10%
	0.01	0.04	0.05
Depreciation	0.01	0.08	0.06
Profit before tax	11.13	0.53	1.06
Tax %	13.03%	20.75%	21.70%
	9.68	0.41	0.83
EPS in Rs	8.44	0.36	0.72
Dividend Payout %	0.00%	0.00%	0.00%

Compounded Sales Growth
10 Years:	%
5 Years:	%
3 Years:	%
TTM:	1%

Compounded Profit Growth
10 Years:	%
5 Years:	%
3 Years:	%
TTM:	102%

Stock Price CAGR
10 Years:	%
5 Years:	57%
3 Years:	-8%
1 Year:	-32%

Return on Equity
10 Years:	%
5 Years:	%
3 Years:	22%
Last Year:	5%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018
Equity Capital	1.15	1.15	1.15
Reserves	15.13	15.24	15.91
Borrowing	0.00	0.00	0.00
	3.46	0.69	0.71
Total Liabilities	19.74	17.08	17.77
	0.26	0.18	0.12
CWIP	0.00	0.00	0.00
Investments	5.20	4.62	7.76
	14.28	12.28	9.89
Total Assets	19.74	17.08	17.77

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018
	-2.47	-0.86	0.81
	3.96	-1.70	-1.01
	0.00	0.00	0.00
Net Cash Flow	1.49	-2.56	-0.21
Free Cash Flow	-2.72	-0.86	0.81
CFO/OP	-2%	-93%	95%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018
ROE %	59.40%	2.51%	4.96%

Insights

In beta

Mar 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Total Loan Book / AUM
INR Crores ・Standalone data

x.xx	x.xx	xx.xx	xx.xx	x.xx	x.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx
						x	xx	xx	xx	xxx	xxx
							x.xx	x.xx	x.xx	x.xx	xx.xx
							x.xx	x.xx	x.xx	x.xx	x.xx
							x	xx	xx	xx	xx
											x,xxx
											xx,xxx

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Total Manpower / Employees
Number ・Standalone data

Gold Loan AUM
INR Crores ・Standalone data

Gross NPA (Gold Loans)
% ・Standalone data

Number of Branches
Number ・Standalone data

Active Customers
Number ・Standalone data

Average Gold Loan Ticket Size
INR ・Standalone data

Shareholding Pattern

Numbers in percentages

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%
	0.73%	0.73%	0.73%	0.73%	0.73%	0.73%	0.73%	0.73%	0.73%	0.73%	0.73%	0.73%
	24.27%	24.26%	24.27%	24.26%	24.26%	24.27%	24.27%	24.27%	24.27%	24.27%	24.27%	24.27%
No. of Shareholders	1,105	1,124	1,145	1,192	1,262	1,624	1,559	1,669	1,675	1,690	1,810	1,831

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Dec 2025
	74.27%	74.27%	74.27%	76.03%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%
	0.73%	0.73%	0.73%	0.73%	0.73%	0.73%	0.73%	0.73%	0.73%	0.73%
	25.00%	25.00%	25.00%	23.23%	24.27%	24.27%	24.27%	24.26%	24.27%	24.27%
No. of Shareholders	523	521	517	523	643	1,008	1,105	1,262	1,675	1,831

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Salem Erode Investments Ltd

Salem Erode Investments Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

Documents

Announcements

Annual reports

Credit ratings