Saraswati Commercial (India) Ltd
₹ 11,960
19.31%
04 Sep
12:01 p.m.
About
Incorporated in 1983, Saraswati Commercial (India) Ltd deals in shares and securities & lending[1]
Key Points
- Market Cap ₹ 1,311 Cr.
- Current Price ₹ 11,960
- High / Low ₹ 14,800 / 8,650
- Stock P/E 9.90
- 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 1.02 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 10.2% 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.
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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 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 19 | 11 | 16 | 9 | 1 | 28 | 87 | 24 | 128 | 75 | 121 | 165 | |
| Interest | 4 | 3 | 0 | 0 | 0 | 2 | 1 | 2 | 2 | 2 | 3 | 2 |
| 1 | 3 | 2 | 2 | 14 | 2 | 2 | 3 | 3 | 5 | 6 | 5 | |
| Financing Profit | 14 | 5 | 14 | 8 | -13 | 25 | 84 | 19 | 123 | 69 | 112 | 158 |
| Financing Margin % | 72% | 48% | 84% | 81% | -959% | 89% | 96% | 80% | 96% | 91% | 93% | 95% |
| 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 |
| Profit before tax | 14 | 5 | 14 | 8 | -13 | 25 | 84 | 19 | 123 | 69 | 112 | 158 |
| Tax % | 0% | -2% | -17% | 10% | -26% | 14% | 22% | 39% | 16% | 22% | 18% | |
| 14 | 5 | 16 | 7 | -10 | 21 | 65 | 12 | 104 | 53 | 92 | 132 | |
| EPS in Rs | 159.46 | 67.44 | -96.01 | 213.11 | 630.35 | 113.51 | 1,008.84 | 487.45 | 842.32 | 1,207.22 | ||
| 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: | 326% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 21% |
| 5 Years: | 34% |
| 3 Years: | 99% |
| TTM: | 439% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 40% |
| 3 Years: | 54% |
| 1 Year: | -24% |
| 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 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Number of Permanent Employees count ・Standalone data |
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| Number of Subsidiaries count ・Standalone data |
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| Total Investment Portfolio Rs. Lakhs ・Standalone data |
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| Loan Book (Total Advances) Rs. Lakhs ・Standalone data |
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| Quoted Investments Rs. Lakhs ・Standalone data |
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| Unquoted Investments Rs. Lakhs ・Standalone data |
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Documents
Announcements
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
- Newspaper Publication of Notice of 43rd Annual General Meeting & details of E- Voting of Saraswati Commercial (India) Limited.
-
Letter To Members - Regulation 30 Of The SEBI (LODR) Regulations, 2015.
- 43rd AGM on September 24, 2026; annual report and notice shared with shareholders.
- Reg. 34 (1) Annual Report.
-
Notice Of The 43Rd Annual General Meeting Of Saraswati
Commercial (India) Limited.
- Notice for 43rd AGM on 24 September 2026; seeks approval for reappointment and related-party transactions up to Rs 250 crore.
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
- Newspaper Advertisement for the 43rd Annual General Meeting of the Company to be held on Thursday, 24th September, 2026 at 2.30 P.M.
Annual reports
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Annual Report 2026
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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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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.