In ₹ Crore except Per Share 12 Months Ending | Q1 FY24 30/06/2023 | Q2 FY24 30/09/2023 | Q3 FY24 31/12/2023 | Q4 FY24 31/03/2024 | Q1 FY25 30/06/2024 | Q2 FY25 30/09/2024 | Q3 FY25 31/12/2024 | Q4 FY25 31/03/2025 | |
|---|---|---|---|---|---|---|---|---|---|
| Revenue from Operations | 229.6 | 246.3 | 263.8 | 278.9 | 297.8 | 314.2 | 333.5 | 360.7 | |
| Other Income | 0.3 | 0.2 | 0.1 | 0.6 | 0.0 | 0.3 | 0.1 | 0.2 | |
| Total Income | 229.9 | 246.5 | 263.9 | 279.5 | 297.8 | 314.5 | 333.6 | 360.9 | |
| Expenses | |||||||||
| + Employee Benefit Expense | 46.8 | 53.3 | 57.0 | 60.0 | 60.8 | 59.9 | 64.3 | 68.3 | |
| + Finance Costs | 88.6 | 89.2 | 84.6 | 88.3 | 94.8 | 100.4 | 106.1 | 118.0 | |
| + Depreciation & Amortisation | 3.1 | 3.3 | 3.4 | 3.6 | 3.8 | 3.8 | 4.7 | 4.6 | |
| + Other Expenses | 18.5 | 19.2 | 21.1 | 16.8 | 18.3 | 21.1 | 21.6 | 24.0 | |
| Total Expenses | 167.1 | 175.9 | 178.4 | 182.3 | 192.4 | 204.1 | 215.8 | 235.7 | |
| EBITDA | 154.2 | 162.8 | 173.4 | 188.5 | 203.9 | 214.3 | 228.5 | 247.5 | |
| EBIT | 151.0 | 159.6 | 170.0 | 184.9 | 200.1 | 210.5 | 223.8 | 243.0 | |
| Profit | |||||||||
| PBT before Exceptional Items | 62.8 | 70.6 | 85.5 | 97.2 | 105.4 | 110.4 | 117.8 | 125.2 | |
| Pretax Income | 62.8 | 70.6 | 85.5 | 97.2 | 105.4 | 110.4 | 117.8 | 125.2 | |
| + Current Tax | 15.7 | 24.4 | 24.8 | 12.5 | 32.3 | 28.3 | 33.8 | 27.2 | |
| + Deferred Tax | 0.1 | -6.4 | -3.1 | 11.0 | -5.8 | -2.0 | -4.3 | 4.1 | |
| Tax Expense | 15.8 | 18.0 | 21.7 | 23.5 | 26.5 | 26.2 | 29.5 | 31.3 | |
| Net Income | 47.0 | 52.6 | 63.9 | 73.7 | 78.9 | 84.2 | 88.3 | 93.9 | |
| + Net Income — Continuing Ops | 47.0 | 52.6 | 63.9 | 73.7 | 78.9 | 84.2 | 88.3 | 93.9 | |
| + Other Comprehensive Income | -0.7 | -1.6 | -2.4 | 2.6 | -2.1 | 2.9 | -4.7 | -1.4 | |
| Total Comprehensive Income | 46.3 | 51.0 | 61.4 | 76.3 | 76.8 | 87.0 | 83.6 | 92.5 | |
| Net Income to Common | 47.0 | 52.6 | 63.9 | 73.7 | 78.9 | 84.2 | — | 93.9 | |
| Per Share | |||||||||
| Basic EPS | 0.52 | 0.52 | 0.60 | 0.69 | 0.74 | 0.78 | 0.82 | 0.87 | |
| Diluted EPS | 0.49 | 0.51 | 0.58 | 0.67 | 0.72 | 0.77 | 0.80 | 0.85 | |
| Revenue Detail — as filed | |||||||||
| + Fees & Commission Income | 14.2 | 14.5 | 15.6 | 10.9 | — | — | 9.8 | 22.8 | |
| + Net Gain on Fair Value Changes | 5.1 | 4.8 | 3.7 | 3.6 | — | — | 3.3 | 7.1 | |
| + Net Gain on Derecognition — Amortised Cost | 0.2 | 0.0 | 0.0 | 0.0 | — | — | 0.0 | 0.0 | |
| Expense Detail — as filed | |||||||||
| + Impairment on Financial Instruments | 10.1 | 11.0 | 12.3 | 13.6 | — | — | 19.1 | 20.9 | |
| Other Comprehensive Income — detail | |||||||||
| + Other Comprehensive Income | -0.7 | -1.6 | -2.4 | 2.6 | — | — | -4.7 | -1.4 | |
| + Items NOT to be Reclassified to P&L | -0.3 | 0.2 | -0.0 | 0.1 | -0.2 | 0.8 | 0.1 | 0.0 | |
| + Tax on Items NOT to be Reclassified | — | — | — | — | — | — | — | 0.0 | |
| + Tax on Items NOT to be Reclassified — alt tag | -0.1 | 0.1 | -0.0 | 0.0 | -0.1 | 0.2 | 0.0 | — | |
| + Items to be Reclassified to P&L | -0.6 | -2.3 | -3.3 | 3.4 | -2.6 | 3.0 | -6.4 | -2.0 | |
| + Tax on Items to be Reclassified | — | — | — | — | — | — | — | -0.5 | |
| + Tax on Items to be Reclassified — alt tag | -0.2 | -0.6 | -0.8 | 0.9 | -0.7 | 0.8 | -1.6 | — | |
| Comprehensive Income — Owners of Parent | 46.3 | -1.6 | 61.4 | 0.0 | -2.1 | 2.9 | 0.0 | -1.4 | |
| Comprehensive Income — Non-controlling Interests | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 92.5 | |
| Per Share — as-filed variants | |||||||||
| Basic EPS — Continuing Operations | 0.52 | 0.52 | 0.60 | 0.69 | 0.74 | 0.78 | 0.82 | 0.87 | |
| Diluted EPS — Continuing Operations | 0.49 | 0.51 | 0.58 | 0.67 | 0.72 | 0.77 | 0.80 | 0.85 | |
| Derived — Gross Profit (Revenue − Materials − Purchases − Δ Inventories) | |||||||||
| Gross Profit | 229.6 | 246.3 | 263.8 | 278.9 | 297.8 | 314.2 | 333.5 | 360.7 | |
| Gross Margin % | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | |
| Adjusted (ex-Exceptional Items) — derived | |||||||||
| Pretax Income (Adjusted, as filed) | 62.8 | 70.6 | 85.5 | 97.2 | 105.4 | 110.4 | 117.8 | 125.2 | |
| Net Income Adj (tax-effected) | 47.0 | 52.6 | 63.9 | 73.7 | 78.9 | 84.2 | 88.3 | 93.9 | |
| EPS Adj | 0.52 | 0.52 | 0.60 | 0.69 | 0.74 | 0.78 | 0.82 | 0.87 | |
| Other Filed Concepts — mapped but not yet placed in the schedule | |||||||||
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | |
| Filed Debt Equity | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | |
| Interest Earned | 203.9 | 220.0 | 236.8 | 257.6 | — | — | 307.7 | 329.5 | |
| Paid Up Equity Capital | 916.8 | 1,059.5 | 1,066.7 | 1,071.9 | 1,072.5 | 1,075.5 | 1,081.7 | 1,085.2 | |