Performance Analysis

Historical P&L Summary

Particulars FY 12 (A) FY 13 (A) FY 14 (A) FY 15 (A)
Key Financials(INR Laksh)
Net Sales 1483.35 1719.01 2109.06 2495.51
EBITDA 1088.66 1159.73 1430.23 1657.48
PBT 613.68 674.72 621.01 660.16
PAT 408.18 451.09 415.58 453.92
Profitability Ratios(%)
EBITDA 73% 67% 68% 66%
PBT 41% 39% 29% 26%
PAT 28% 26% 20% 18%

Revenue & Profitability Analysis

• The net interest profitability was under pressure mainly due to the highly increased financial costs during FY ’14.
• The overall auto finance loans during FY ’14 grew by 9% when compared with FY ’13.
• The overall gold loans during FY ’14 grew by 35% when compared with FY ’13.


Particulars FY 12 (A) FY 13 (A) FY 14 (A) FY 15 (A)
Networth 2247.66 2647.22 3195.09 3509.52
Long Term Debt & Long Term Provisions 193.31 183.43 454.74 262
Working Capital Borrowings 3102.89 4904.07 5736.48 7690.26
Current Liabilities & Provisions 411.56 462.01 560.43 844.17
Total Assets(INR Lakhs) 5955.43 8196.73 9946.75 12359.86
Net Fixed Assets and CWIP 309.25 334.83 355.28 436.77
Current Assets 5638.46 7844.51 9562.3 8778.7
Non-Current Assets 7.71 17.39 29.17 35.92
Ratios        
Current Ratio 1.6 1.46 1.52 1.02
Gearing Ratio 1.65 2.1 2.11 2.52
Return on Equity 21.03 18.5 14.26 13.54
Net NPA 0.56 0.012 0.016 0.22
CRAR 41.20% 33.66% 33.64% 31.68%

Balance Sheet Analysis

• During the last financial year 2013-14, the company has disbursed total loans amounting to INR 12247Lakhs.
• The gold loan disbursements amounted to INR 3062 Lakhs and auto finance loan disbursements amounted to INR 9185 Lakhs.
• The company maintained a net NPA level for FY ’14 at -0.016 and created a provision for Standard Assets as per RBI Norms at 0.25%.
• The capital adequacy ratio is at 33.64% for FY ’14. The minimum CRAR prescribed by RBI is 15%
• The networth for FY ’14 is INR 3195.09 Lakhs.
• The business for the year is registered with the help of internal accruals supported by secured loans and bank borrowings.
• During the last financial year 2013-14, the company has achieved a turnover of INR 2109.06 Lakhs which is 23 % increase over the previous year turnover of INR 1719.01 Lakhs for FY ’13.
• The net interest profitability was under pressure mainly due to the highly increased financial costs during FY ’14.
• The overall auto finance loans during FY ’14 grew by 9% when compared with FY ’13.
• The overall gold loans during FY ’14 grew by 35% when compared with FY ’13.


QUICK ENQUIRY