GRUH Finance (Delisted) financials and balance sheet
BSE: 511288
Last traded ₹317.70 on 15 Oct 2019
Delisted on 27 May 2020.
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 2010, Mar 2011, Mar 2012, Mar 2013, Mar 2014, Mar 2015, Mar 2016, Mar 2017 and Mar 2018: the company's filing for those results has none of them.GRUH Finance annual reports
Net interest income, Net profit, ₹ crore
- Net interest income
- Net profit
Income
₹ crore, years to March.
| ₹ crore | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019Filed 19 Jul |
|---|---|---|---|---|---|---|---|---|---|---|
| Total incomeTotal income. Everything earned in the period, the total the statement states: for a bank, its interest earned and other income, with any other income line its statement totals; for a finance company, revenue from operations + other income; for a general insurer, premium earned + income from the policyholders' investments + other income; for a life insurer, premiums + the income and gains on the policyholders' investments. | – | – | – | – | – | – | – | – | – | 2,027 |
| Interest earned | – | – | – | – | – | – | – | – | – | 1,972 |
| Interest paid | – | – | – | – | – | – | – | – | – | 1,301 |
| Net interest incomeNet interest income. Interest earned − interest paid; for a finance company, interest earned − finance costs. | – | – | – | – | – | – | – | – | – | 671 |
| Other income. Income besides interest, for the period: for a bank, its other income as stated, such as fees, commissions and gains on investments; for a finance company, total income − interest earned, or where total income is not stated, fees and commission + gains on fair value changes + other income. | – | – | – | – | – | – | – | – | – | 54 |
| Fees and commissionFees and commission. Fees and commissions the finance company charged its customers in the period; given only where interest earned and the other revenue lines add to the revenue from operations stated. | – | – | – | – | – | – | – | – | – | 54 |
| Income outside operationsIncome outside operations. The finance company's income outside its revenue from operations, for the period, as its statement gives it. | – | – | – | – | – | – | – | – | – | 0 |
| The lines under it are parts of it, not all of it. | – | – | – | – | – | – | – | – | – | 127 |
| Profit before provisionsProfit before provisions. Profit before anything is set aside for loans that may not be repaid: for a bank, total income − its expenses other than provisions, as stated, which are interest paid and operating expenses; for a finance company, total income − finance costs − operating expenses. | – | – | – | – | – | – | – | – | – | 598 |
| Set aside for bad loansProvisions for bad loans. What was set aside in the period for loans that may not be repaid: for a bank, its provisions other than for tax, which also cover its investments and loans still being repaid; for a finance company, the impairment of its loans and other financial assets. | – | – | – | – | – | – | – | – | – | −17 |
| Exceptional itemsExceptional items. One-off gains or losses the company states separately, for the period; on a bank's group accounts, not given where the line is the outside owners' share of its subsidiaries' profit. | – | – | – | – | – | – | – | – | – | 0 |
| Profit before tax | 94 | 126 | 163 | 197 | 244 | 301 | 362 | 442 | 562 | 615 |
| 25 | 34 | 42 | 51 | 68 | 78 | 118 | 145 | 199 | 168 | |
| Net profit | 69 | 92 | 120 | 146 | 177 | 204 | 244 | 297 | 363 | 447 |
| Other comprehensive incomeOther comprehensive income. Gains and losses after tax that bypass profit, such as the change in value of some investments and of pension obligations. | – | – | – | – | – | – | – | – | – | −1 |
| Total comprehensive incomeTotal comprehensive income. Profit + other comprehensive income, given where the two come to it. | – | – | – | – | – | – | – | – | – | 447 |
| Earnings per shareEarnings per share. The earnings per share stated for the period ÷ the split factor, so a figure from before a split sits on the same share as today's; a figure the company filed after a split or bonus is already on the new share count and is divided by the splits after its filing day only. | – | – | – | – | – | – | – | – | – | ₹6.10 |
| Diluted earnings per shareDiluted earnings per share. That diluted earnings per share on today's share count, restated by the same splits and bonuses as the basic figure. | – | – | – | – | – | – | – | – | – | ₹6.09 |
Balance sheet
₹ crore, at 31 March.
| ₹ crore | Mar 2019Filed 19 Jul |
|---|---|
| Total assetsTotal assets. Everything the company owns, at the period end; for an insurer, whose balance sheet shows its assets net of what it owes in the short term, that net figure + its current liabilities and provisions − any debit balance in its profit and loss account and expenditure not yet written off, and not given where only the net figure is stated. | 18,666 |
| Loans given | 17,288 |
| Investments | 148 |
| DepositsDeposits. Money customers have placed with the company on deposit, at the period end. | 1,494 |
| Borrowings. Money borrowed, at the period end, deposits left out: for a bank and an insurer, its borrowings as stated; for a finance company, bonds and debentures + loans taken + subordinated debt. | 15,013 |
| Bonds and debenturesBonds and debentures. Money the finance company borrowed by issuing bonds, debentures and commercial paper, at the period end. | 4,497 |
| Subordinated debtSubordinated debt. The finance company's borrowings repaid only after its other lenders if it fails, at the period end. | 35 |
| LoansLoans. Money the finance company borrowed from banks and other lenders, besides bonds, subordinated debt and deposits, at the period end. | 10,481 |
| Net worth. Net worth at the period end, the whole group's on group accounts: for a bank, share capital + reserves and surplus; for a finance company, total equity as stated; for a general insurer, share capital + reserves; for a life insurer, shareholders' funds as stated, or share capital + reserves + the fair value change account where they are not. An insurer's is less any debit balance in its profit and loss account and expenditure not yet written off. Not given where the balance sheet states the share capital, the reserves or the net worth as 0. | 1,891 |
Margins and returns
Per cent a year, on the average of the opening and closing balance sheets.
| Per cent | Mar 2019Filed 19 Jul |
|---|---|
| Cost to incomeCost to income. Operating expenses ÷ (net interest income + other income) × 100. | 17.51% |
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 2019.
| Measure | 10 years | 5 years | 3 years |
|---|---|---|---|
| Revenue growth, yearly rateRevenue growth, yearly rate. 3 years: Revenue in the latest year ÷ revenue in the year three years before, to the power of one third, − 1, × 100: the yearly rate it grew at; empty where either year is missing, nought or a loss, or a change of year end falls between them. 5 years: Revenue in the latest year ÷ revenue in the year five years before, to the power of one fifth, − 1, × 100: the yearly rate it grew at; empty where either year is missing, nought or a loss, or a change of year end falls between them. 10 years: Revenue in the latest year ÷ revenue in the year ten years before, to the power of one tenth, − 1, × 100: the yearly rate it grew at; empty where either year is missing, nought or a loss, or a change of year end falls between them. | 21.3% | 19.1% | 16.7% |
| Profit growth, yearly rateProfit growth, yearly rate. 3 years: Profit to the company's own shareholders in the latest year ÷ profit to the company's own shareholders in the year three years before, to the power of one third, − 1, × 100: the yearly rate it grew at; empty where either year is missing, nought or a loss, or a change of year end falls between them. 5 years: Profit to the company's own shareholders in the latest year ÷ profit to the company's own shareholders in the year five years before, to the power of one fifth, − 1, × 100: the yearly rate it grew at; empty where either year is missing, nought or a loss, or a change of year end falls between them. 10 years: Profit to the company's own shareholders in the latest year ÷ profit to the company's own shareholders in the year ten years before, to the power of one tenth, − 1, × 100: the yearly rate it grew at; empty where either year is missing, nought or a loss, or a change of year end falls between them. | 24.4% | 20.4% | 22.4% |
| Net margin, averageNet margin, average. 3 years: The plain average of the yearly net profit margin over the last three years, needing at least two of them; a year without the figure is left out, never filled in. 5 years: The plain average of the yearly net profit margin over the last five years, needing at least four of them; a year without the figure is left out, never filled in. 10 years: The plain average of the yearly net profit margin over the last ten years, needing at least nine of them; a year without the figure is left out, never filled in. | 21.6% | 20.4% | 21.2% |