Saraswati Commercial (India) Ltd
Incorporated in 1983, Saraswati Commercial (India) Ltd deals in shares and securities & lending[1]
- Market Cap ₹ 1,014 Cr.
- Current Price ₹ 9,250
- High / Low ₹ 16,269 / 8,650
- Stock P/E 11.0
- Book Value ₹ 10,050
- Dividend Yield 0.00 %
- ROCE 10.9 %
- ROE 8.92 %
- Face Value ₹ 10.0
Pros
- Company has reduced debt.
- Company is almost debt free.
- Stock is trading at 0.92 times its book value
- Company has delivered good profit growth of 34.0% CAGR over last 5 years
- Promoter holding has increased by 0.89% over last quarter.
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has a low return on equity of 10.2% 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 Financial Services
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 19 | 11 | 16 | 9 | 1 | 28 | 87 | 24 | 128 | 75 | 121 | |
| Interest | 4 | 3 | 0 | 0 | 0 | 2 | 1 | 2 | 2 | 2 | 3 |
| 1 | 3 | 2 | 2 | 14 | 2 | 2 | 3 | 3 | 5 | 6 | |
| Financing Profit | 14 | 5 | 14 | 8 | -13 | 25 | 84 | 19 | 123 | 69 | 112 |
| Financing Margin % | 72% | 48% | 84% | 81% | -959% | 89% | 96% | 80% | 96% | 91% | 93% |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 14 | 5 | 14 | 8 | -13 | 25 | 84 | 19 | 123 | 69 | 112 |
| Tax % | 0% | -2% | -17% | 10% | -26% | 14% | 22% | 39% | 16% | 22% | 18% |
| 14 | 5 | 16 | 7 | -10 | 21 | 65 | 12 | 104 | 53 | 92 | |
| EPS in Rs | 159.46 | 67.44 | -96.01 | 213.11 | 630.35 | 113.51 | 1,008.84 | 487.45 | 842.32 | ||
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 20% |
| 5 Years: | 34% |
| 3 Years: | 71% |
| TTM: | 60% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 21% |
| 5 Years: | 34% |
| 3 Years: | 99% |
| TTM: | 73% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 35% |
| 3 Years: | 57% |
| 1 Year: | -31% |
| Return on Equity | |
|---|---|
| 10 Years: | 9% |
| 5 Years: | 10% |
| 3 Years: | 10% |
| Last Year: | 9% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| 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 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Reserves | 35 | 115 | 128 | 135 | 156 | 278 | 426 | 437 | 696 | 966 | 1,100 |
| Borrowing | 42 | 8 | 32 | 0 | 10 | 5 | 28 | 22 | 0 | 43 | 0 |
| 5 | 9 | 1 | 1 | 1 | 15 | 34 | 30 | 73 | 98 | 117 | |
| Total Liabilities | 82 | 133 | 162 | 137 | 168 | 299 | 488 | 490 | 770 | 1,109 | 1,218 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 51 | 97 | 119 | 117 | 137 | 292 | 474 | 489 | 762 | 1,084 | 1,097 |
| 32 | 36 | 42 | 20 | 31 | 7 | 14 | 2 | 8 | 25 | 121 | |
| Total Assets | 82 | 133 | 162 | 137 | 168 | 299 | 488 | 490 | 770 | 1,109 | 1,218 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| -16 | -23 | -6 | -16 | -18 | -5 | 50 | 27 | 33 | 9 | -114 | |
| 20 | 27 | 8 | 16 | 16 | 4 | -81 | -22 | -7 | -108 | 139 | |
| -4 | -3 | -3 | -0 | 9 | -7 | 33 | -7 | -24 | 120 | -45 | |
| Net Cash Flow | 0 | 2 | -1 | -0 | 7 | -7 | 2 | -2 | 2 | 20 | -21 |
| Free Cash Flow | -16 | -23 | -6 | -16 | -18 | -5 | 50 | 27 | 33 | 9 | -114 |
| CFO/OP | -80% | -283% | -35% | -195% | 136% | -19% | 68% | 185% | 36% | 33% | -86% |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 39% | 7% | 13% | 5% | -7% | 10% | 18% | 3% | 18% | 6% | 9% |
Insights
In beta| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Capital to Risk Weighted Assets Ratio (CRAR) Percentage ・Standalone data |
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| Employee Strength Count ・Standalone data |
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| Investment Portfolio (Standalone) INR Lakhs ・Standalone data |
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| Loan Portfolio (Standalone) INR Lakhs ・Standalone data |
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| Total Assets (Standalone) INR Lakhs ・Standalone data |
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Extracted by Screener AI
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Newspaper Publication
3 Jun - Newspaper Publication regarding Special Window for Transfer & Dematerialization of physical securities of Saraswati Commercial (India) Limited.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
28 May - Newspaper Publication of Audited Financial Results of the Company for the quarter and year ended 31st March, 2026.
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Announcement under Regulation 30 (LODR)-Change in Management
26 May - Rajiv A. Gupta & Associates re-appointed internal auditor for FY 2026-2027 on 26 May 2026.
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Announcement under Regulation 30 (LODR)-Change in Management
26 May - Ms. Meenakshi Bishnoi re-appointed Chief Compliance Officer from August 10, 2026 for three years.
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Announcement under Regulation 30 (LODR)-Change in Management
26 May - Mr. Kartik Chawda appointed Chief Information Officer & Head of IT from June 1, 2026.
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
from bse
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Financial Year 2022
from bse
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Financial Year 2021
from bse
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Financial Year 2020
from bse
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Financial Year 2019
from bse
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Financial Year 2018
from bse
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Financial Year 2017
from bse
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Financial Year 2016
from bse
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Financial Year 2015
from bse
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Financial Year 2014
from bse
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Financial Year 2013
from bse
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Financial Year 2012
from bse
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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.