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Anupam Finserv financials and balance sheet

BSE: 530109FinanceSmall Cap

Last close ₹1.59down ₹0.01 (0.63%)

Share price at the BSE close on 23 Oct 2026. Previous close ₹1.60.

52-week range of traded prices to 23 Oct 2026
₹1.51Low, 1 Oct 2026₹3.40High, 22 Dec 2025
Market cap
₹30 Cr3,588th largest listed
P/E
13.9
P/B
1.0
Dividend yield
Nonein the last 12 months
ROE
7.4%
NIM
10.92%
Cost of funds
4.52%
Credit cost
−1.46%
ROA
5.42%
Leverage
1.22times net worth
Volume, BSE
78,138

10 years at a glance

Standalone, laid out as a lender that is not a bank files them. A lender's lines are blank for the years to Mar 2017, Mar 2018 and Mar 2019: the company's filing for those results has none of them.Anupam Finserv annual reports

Net interest income, Net profit, ₹ crore

  • Net interest income
  • Net profit

Net interest margin, Return on assets, per cent

  • Net interest margin
  • Return on assets

Anupam Finserv business segments, year to Mar 2026

A reportable segment is a line of business the company must report on its own. Standalone, ₹ crore, as the company reports them. A segment at a loss has no share of profit.Anupam Finserv segment results by quarter

Revenue by segment

₹5.34 CrTotal
  • Financing₹4.81 Cr89.9% of total
  • Leasing₹0.54 Cr10.1% of total

Profit by segment

  • Financing₹4.32 Cr100.0% of total

Segment results by year

Standalone, ₹ crore, years to March.

  • Financing

    Revenue, ₹ crore
    Profit, ₹ crore
  • Leasing

    Revenue, ₹ crore
    Profit, ₹ crore
₹ croreMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue of all businesses––3.02.53.23.75.3
Company revenue, as in its results2.22.92.92.53.23.74.9
Revenue––––1.82.34.8
Revenue growth–––––29.0%105.1%
Profit––––1.41.64.3
Profit growth–––––17.7%163.3%
Margin––––76.8%70.1%89.9%
Assets––––15.329.238.6
Liabilities––––2.42.98.6
Revenue––0.41.01.41.40.5
Revenue––2.61.5–––
––0.0––––
Profit is before tax and finance costs, the way companies report their segments.

Income

₹ crore, years to March.

₹ croreMar 2017Mar 2018Mar 2019Mar 2020Filed 29 JulMar 2021Filed 6 AugMar 2022Filed 8 JunMar 2023Filed 30 MayMar 2024Filed 20 JunMar 2025Filed 13 MayMar 2026Filed 29 May
Total income–––2.202.882.962.533.213.754.88
Interest earned–––2.172.241.991.411.702.173.97
Interest paid–––0.850.790.700.310.300.210.28
Net interest income–––1.321.451.291.101.401.973.69
–––0.020.640.971.121.511.570.92
Fees and commission–––0.010.000.010.000.040.130.22
Gains on fair value changes–––0.000.600.560.080.000.020.15
Gains on loans sold–––0.000.000.000.000.050.000.00
Dividends–––0.010.010.010.010.000.010.01
Rent–––0.000.000.381.031.391.370.54
Income outside operations–––0.010.030.020.000.030.040.00
The lines under it are parts of it, not all of it.–––0.490.400.531.161.662.392.43
Profit before provisions–––0.851.681.731.061.251.152.17
Set aside for bad loans–––0.11−0.020.040.030.000.47−0.46
Exceptional items–––0.000.000.000.000.000.000.00
Profit before tax0.190.520.980.741.701.691.031.250.682.63
0.040.060.310.110.000.370.260.310.170.68
Net profit0.150.450.670.641.701.320.770.940.511.95
Other comprehensive income–––0.000.000.000.000.000.000.00
Total comprehensive income–––0.641.701.320.770.940.511.95
Earnings per share₹0.02₹0.07₹0.06₹0.06–₹0.11₹0.07₹0.08₹0.04₹0.10
Diluted earnings per share₹0.02₹0.07₹0.06₹0.06–₹0.11₹0.07₹0.08₹0.04₹0.10

Balance sheet

₹ crore, at 31 March.

₹ croreMar 2020Filed 29 JulMar 2021Filed 6 AugMar 2022Filed 8 JunMar 2023Filed 30 MayMar 2024Filed 20 JunMar 2025Filed 13 MayMar 2026Filed 29 May
Total assets18.219.417.218.718.232.040.1
Loans given16.516.813.814.914.628.434.8
Investments1.01.10.90.60.70.63.6
Deposits0.00.0–0.00.00.00.0
6.66.53.14.02.43.29.1
Bonds and debentures0.00.0–0.00.00.09.1
Loans6.66.53.14.02.43.20.0
11.312.513.914.615.628.530.4

Margins and returns

Per cent a year, on the average of the opening and closing balance sheets.

FigureMar 2020Filed 29 JulMar 2021Filed 6 AugMar 2022Filed 8 JunMar 2023Filed 30 MayMar 2024Filed 20 JunMar 2025Filed 13 MayMar 2026Filed 29 May
Net interest margin–8.17%7.92%7.31%9.08%8.89%10.92%
Yield on interest-earning assets–12.65%12.22%9.34%11.04%9.82%11.75%
Cost of funds–12.17%14.63%8.72%9.58%7.37%4.52%
Spread–0.48%−2.41%0.63%1.46%2.45%7.24%
Cost to income36.55%19.33%23.29%52.38%57.09%67.58%52.85%
Credit cost–−0.13%0.26%0.21%0.00%2.18%−1.46%
Return on assets–9.06%7.21%4.31%5.08%2.02%5.42%
Assets per rupee of net worth–1.581.391.261.221.141.22
Return on equity–14.31%9.98%5.43%6.21%2.30%6.63%

Where the return on assets comes from

Per cent of average total assets, a year. Each line adds to the one below it. The year to Mar 2020, the first with a balance sheet on this form, has none a year before it to average with, so its ratios are blank.

Per centMar 2021Filed 6 AugMar 2022Filed 8 JunMar 2023Filed 30 MayMar 2024Filed 20 JunMar 2025Filed 13 MayMar 2026Filed 29 May
Net interest income7.70%7.05%6.16%7.58%7.84%10.23%
Other income3.38%5.30%6.25%8.16%6.27%2.54%
Operating expenses2.14%2.87%6.50%8.98%9.54%6.75%
Profit before provisions8.94%9.47%5.91%6.75%4.58%6.02%
Set aside for bad loans−0.12%0.22%0.17%0.00%1.87%−1.28%
Exceptional items0.00%0.00%0.00%0.00%0.00%0.00%
Profit before tax9.06%9.25%5.74%6.75%2.71%7.30%
Tax0.00%2.04%1.42%1.67%0.68%1.88%
Associates and businesses sold or closed0.00%0.00%0.00%0.00%0.00%0.00%
Return on assets9.06%7.21%4.31%5.08%2.02%5.42%

Cash flow

Standalone, ₹ crore, years to March.

₹ croreMar 2021Filed 6 AugMar 2022Filed 8 JunMar 2023Filed 30 MayMar 2024Filed 20 JunMar 2025Filed 13 MayMar 2026Filed 29 May
Cash from operations1.23.60.52.7−12.5−3.6
Capital spending0.01.72.21.31.20.0
Free cash flow1.21.9−1.71.4−13.6−3.6
Cash from investing0.2−0.8−1.4−0.9−0.6−2.5
Cash from financing−0.43.40.9−1.613.35.8
Dividends paid0.00.00.00.00.00.0
Shares bought back0.00.00.00.00.00.0
Shares issued0.00.00.00.012.40.0
Net change in cash1.16.1−0.10.20.2−0.3
Capital spending is part of cash from investing, and dividends paid, shares bought back and shares issued are part of cash from financing. Each is shown as an amount on a line of its own, and the section's other items are in its total only. No cash flow statement is on record for the years to Mar 2017, Mar 2018, Mar 2019 and Mar 2020.

Per share

Standalone, ₹ per share, years to March.

₹ per shareMar 2017Mar 2018Mar 2019Mar 2020Filed 29 JulMar 2021Filed 6 AugMar 2022Filed 8 JunMar 2023Filed 30 MayMar 2024Filed 20 JunMar 2025Filed 13 MayMar 2026Filed 29 May
₹0.02₹0.07₹0.06₹0.06–₹0.11₹0.07₹0.08₹0.04₹0.10
As stated that year₹0.27₹0.80₹0.64₹0.61–₹0.11₹0.07₹0.08₹0.04₹0.10
₹0.02₹0.07₹0.06₹0.06–₹0.11₹0.07₹0.08₹0.04₹0.10
–––₹0.97₹1.08₹1.20₹1.27₹1.35₹1.50₹1.60
Shareholder yield––––0.0%0.0%0.0%0.0%−42.6%0.0%
Market cap at the year end (₹ crore)5.88.710.811.19.033.417.023.229.035.9
Every year is restated for later splits and bonuses, so they do not break the line. The figure the company stated that year is under each line it differs from. As stated that year and earnings per share are left blank for the year to Mar 2021: the earnings per share stated does not match any profit the filing states over the shares in issue, and the share count barely moved during the period.

Growth and returns over 3, 5 and 10 years

Standalone: the listed company alone, without its subsidiaries. Each window ends with the year to Mar 2026.

Measure10 years5 years3 years
Revenue growth, yearly rate25.6%11.4%24.5%
Profit growth, yearly rate39.9%2.8%36.2%
Return on equity, average–6.1%5.0%
Net margin, average31.9%31.7%27.7%
Asset turnover, average–0.150.15

Where the cash came from and went

Standalone: the listed company alone, without its subsidiaries. ₹ crore, added up over each window, which ends with the year to Mar 2026.

₹ crore5 years3 yearsLatest year
Cash from operations−9.4−13.4−3.6
Cash from investing−6.3−4.0−2.5
Cash from financing21.717.55.8
Capital spending6.32.50.0
Dividends paid0.00.00.0
Shares bought back0.00.00.0
Shares issued for cash12.412.40.0