Market Cap
₹6,71,042 Cr.
P/E
10.52
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Company Timeline

Forensics
Other Income
Other Income component is making ratios of the company look optically better
Pledge
Promoters have not pledged a significant portion of their holding
Cost Of Borrowing
Cost Of Borrowing of the company seems to be trending up
Cost to Income Ratio
Operational cost of company is trending up
Contingent Liabilities
Company has significant contigent liabilities which can be risky
Retail Holding
Retail has been selling the stock which is usually a good time to buy
Share price
Share price has increased over last 10 years due to earnings
ROE
Net Profit Margin is responsible for ROE increase over last 10 years
Net Interest Margin
Net Interest margin of the company is trending up
Net NPA
NPA's of the company is currently under control
Promoter Holding
Promoter has not sold any shares in the last 90 days
Current vs Historic Valuation
Company is trading at a premium to 3 year historic valuations
ROE
Latest
18.44%
3yr Average
14.06%
5yr Average
10.4%
Net Profit Margin
Latest
11.76%
3yr Average
8.75%
5yr Average
6.47%
Market Share
3.63% (as of Feb 24)
Auto Insurance - Market Share
19.20% (as of Sep 22)
Auto Loans - Market Share
22.54% (as of Dec 23)
Bank Advances - Market Share
23.96% (as of Dec 23)
Bank Deposits - Market Share
31.52% (as of Feb 24)
Debit Card Transactions - Market Share
35% (as of Mar 20)
Education Loans - Market Share
13.42% (as of Mar 24)
Equity AUM - Market Share
4.31% (as of Feb 24)
Gross Direct Premium Income - Market Share
2.62% (as of Feb 24)
Health Insurance - Market Share
22.15% (as of Dec 23)
Housing Loan - Market Share
22.75% (as of Feb 24)
Internet Banking - Market Share
21.69% (as of Feb 24)
Mobile Banking Transactions - Market Share
16.85% (as of Mar 24)
Mutual Fund - Market Share
20.71% (as of Dec 23)
Net Interest Income(NII) - Market Share
2.16% (as of Mar 24)
Number of Accounts - Broking - Market Share
15.15% (as of Mar 22)
Personal Loans - Market Share
13.69% (as of Sep 22)
Point of Sale Terminals - Market Share
24.86% (as of Sep 22)
Remitting Bank - Market Share
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Revenue mix

Segment Break-Up

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Loan Break-Up

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Location Wise Break-Up

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Operating Profit Break-Up

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Borrowings Break-Up

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Premium Break-Up - General Insurance

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Investment Break-Up - General Insurance -Insurance

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AUM Break-Up - Asset Management

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Asset Break-Up

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Priority vs Non-Priority Sector

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NPA Break-Up

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Operational Metrics

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    • % of AUM in equity fund (%)
    • AUM - Mutual Funds (Crs)
    • 5 Yr AUM CAGR - Mutual Funds (%)
    • Net Interest Margin (%)
    • Yield On Advances (%)
    • Credit Deposit Ratio (%)
    • Cost To Income Ratio (%)
    • CASA Ratio (%)
    • CASA vs Liabilities (%)
    • Fresh Slippages - Quarterly (Crs)
    • Capital to Risks Assets Ratio (CRAR) (%)
    • Tier 2 Capital (%)
    • Tier I Capital (%)
    • Gross NPA (%)
    • Net NPA (%)
    • Risk Retention Ratio (%)
    • Combined Ratio (%)
    • Monthly Gross Direct Premium Income (GDPI) (Crs)
    • Float (Crs)
    • Yield On Total Investments - General Insurance (%)
    • Cost of Borrowing (%)
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