Nifty
:
25030.35
Sensex
:
81028.02
493.75 (2.01%)
1718.01 (2.17%)
Nifty
Sensex
:
:
25030.35
81028.02
493.75 (2.01%)
1718.01 (2.17%)

Saraswati Commercial (India) Ltd.

Finance - NBFC

Rating :
45/99

BSE: 512020 | NSE: ZSARACOM

NSE BSE
9595.00
06-Nov-2026
  • Open
  • High
  • Low
  • Previous Close
  •  10700
  •  10700
  •  9454
  •  10000.00
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  74
  •  713870
  •  14400
  •  8750

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 1,050.99
  • 7.94
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 1,050.92
  • N/A
  • 0.90

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 74.88%
  • 16.44%
  • 8.33%
  • FII
  • DII
  • Others
  • 0%
  • 0.00%
  • 0.35%

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 12.48
  • -0.68
  • -1.95

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 41.09
  • 6.39
  • -1.62

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 33.28
  • 7.29
  • -3.87

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 9.26
  • 11.04
  • 12.60

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.99
  • 1.13
  • 1.42

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 9.85
  • 12.45
  • 16.12

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Sep 26
Sep 25
Var%
Jun 26
Jun 25
Var%
Mar 26
Mar 25
Var%
Dec 25
Dec 24
Var%
Net Sales
64.35
73.61
-12.58%
75.58
31.47
140.17%
-16.48
-26.23
-
32.69
-44.84
-
Expenses
1.49
1.16
28.45%
1.23
1.81
-32.04%
1.61
1.31
22.90%
1.39
0.77
80.52%
EBITDA
62.86
72.46
-13.25%
74.35
29.66
150.67%
-18.09
-27.55
-
31.30
-45.62
-
EBIDTM
97.69%
98.43%
98.37%
94.24%
109.77%
105.01%
95.75%
101.72%
Other Income
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Interest
0.13
0.68
-80.88%
0.00
0.49
-100.00%
0.57
0.74
-22.97%
1.25
0.64
95.31%
Depreciation
0.00
0.00
0
0.00
0.00
0
0.01
0.01
0.00%
0.00
0.01
-100.00%
PBT
62.73
71.78
-12.61%
74.35
29.17
154.89%
-18.66
-28.29
-
30.04
-46.27
-
Tax
9.69
11.48
-15.59%
10.79
5.59
93.02%
-2.35
-5.35
-
5.30
-6.87
-
PAT
53.04
60.30
-12.04%
63.56
23.58
169.55%
-16.31
-22.95
-
24.75
-39.40
-
PATM
82.42%
81.91%
84.09%
74.93%
99.00%
87.47%
75.70%
87.86%
EPS
483.93
550.18
-12.04%
579.94
215.16
169.54%
-148.85
-209.42
-
225.78
-382.50
-

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Net Sales
156.14
120.96
75.45
128.34
43.95
125.18
52.30
7.33
17.06
85.43
37.31
Net Sales Growth
359.10%
60.32%
-41.21%
192.01%
-64.89%
139.35%
613.51%
-57.03%
-80.03%
128.97%
 
Cost Of Goods Sold
-0.01
0.00
0.00
0.00
19.93
38.29
24.31
18.06
14.05
69.03
24.10
Gross Profit
156.15
120.96
75.45
128.34
24.02
86.89
27.99
-10.74
3.01
16.41
13.21
GP Margin
100.01%
100%
100%
100%
54.65%
69.41%
53.52%
-146.52%
17.64%
19.21%
35.41%
Total Expenditure
5.72
5.63
5.02
3.18
23.09
40.56
25.92
20.20
16.22
71.46
33.62
Power & Fuel Cost
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
Employee Cost
-
2.93
2.52
2.33
1.69
1.49
1.25
1.15
1.38
1.25
1.49
% Of Sales
-
2.42%
3.34%
1.82%
3.85%
1.19%
2.39%
15.69%
8.09%
1.46%
3.99%
Manufacturing Exp.
-
0.36
0.89
0.32
0.42
0.61
0.07
0.08
0.05
0.14
0.25
% Of Sales
-
0.30%
1.18%
0.25%
0.96%
0.49%
0.13%
1.09%
0.29%
0.16%
0.67%
General & Admin Exp.
-
0.67
0.38
0.28
0.09
0.12
0.22
0.08
0.10
0.57
0.18
% Of Sales
-
0.55%
0.50%
0.22%
0.20%
0.10%
0.42%
1.09%
0.59%
0.67%
0.48%
Selling & Distn. Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
Miscellaneous Exp.
-
1.66
1.23
0.27
0.95
0.05
0.08
0.83
0.65
0.48
0.00
% Of Sales
-
1.37%
1.63%
0.21%
2.16%
0.04%
0.15%
11.32%
3.81%
0.56%
20.37%
EBITDA
150.42
115.33
70.43
125.16
20.86
84.62
26.38
-12.87
0.84
13.97
3.69
EBITDA Margin
96.34%
95.35%
93.35%
97.52%
47.46%
67.60%
50.44%
-175.58%
4.92%
16.35%
9.89%
Other Income
0.00
0.00
0.00
0.00
0.01
0.02
0.04
0.12
0.07
0.04
4.31
Interest
1.95
2.99
1.59
1.69
1.76
0.91
1.51
0.29
0.15
0.34
2.84
Depreciation
0.01
0.02
0.01
0.01
0.01
0.01
0.01
0.01
0.02
0.02
0.03
PBT
148.46
112.33
68.82
123.47
19.10
83.72
24.89
-13.06
0.74
13.65
5.14
Tax
23.43
20.02
15.39
19.57
7.39
18.77
3.57
-3.44
0.38
-2.31
-0.08
Tax Rate
15.78%
17.82%
22.36%
15.85%
38.69%
22.42%
14.34%
26.34%
51.35%
-16.92%
-1.56%
PAT
125.04
92.31
53.42
103.90
11.68
64.92
21.33
-9.62
0.35
15.96
5.22
PAT before Minority Interest
125.04
92.31
53.43
103.90
11.70
64.95
21.32
-9.62
0.36
15.96
5.22
Minority Interest
0.00
0.00
-0.01
0.00
-0.02
-0.03
0.01
0.00
-0.01
0.00
0.00
PAT Margin
80.08%
76.31%
70.80%
80.96%
26.58%
51.86%
40.78%
-131.24%
2.05%
18.68%
13.99%
PAT Growth
480.77%
72.80%
-48.59%
789.55%
-82.01%
204.36%
-
-
-97.81%
205.75%
 
EPS
1,136.73
839.18
485.64
944.55
106.18
590.18
193.91
-87.45
3.18
145.09
47.45

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Shareholder's Funds
1,101.43
967.56
697.19
438.12
426.68
279.16
156.84
244.65
129.13
116.07
Share Capital
1.10
1.10
1.03
1.03
1.03
1.00
1.00
1.00
1.00
0.64
Total Reserves
1,100.33
966.47
696.16
437.09
425.65
278.16
155.84
243.65
128.13
115.04
Non-Current Liabilities
104.40
92.06
67.86
26.27
29.51
11.60
-5.07
7.17
-2.65
-2.29
Secured Loans
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Unsecured Loans
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Long Term Provisions
0.57
0.51
13.70
0.16
0.16
0.16
0.15
0.14
0.14
0.20
Current Liabilities
6.39
43.76
13.95
23.03
38.62
7.54
11.64
0.84
36.13
19.86
Trade Payables
5.05
0.26
13.36
0.07
0.01
0.82
0.02
0.02
0.06
7.73
Other Current Liabilities
1.14
0.84
0.58
0.47
0.40
0.32
0.05
0.30
0.23
0.67
Short Term Borrowings
0.12
42.66
0.02
22.35
27.70
4.89
10.07
0.52
31.82
8.00
Short Term Provisions
0.08
0.00
0.00
0.14
10.50
1.50
1.50
0.00
4.01
3.46
Total Liabilities
1,218.14
1,108.63
783.50
490.51
497.80
300.49
164.34
254.00
162.72
133.75
Net Block
0.05
0.05
0.04
0.04
0.05
0.04
0.04
0.05
0.08
0.08
Gross Block
0.15
0.13
0.11
0.10
0.10
0.08
0.07
0.08
0.99
0.97
Accumulated Depreciation
0.10
0.09
0.07
0.07
0.05
0.04
0.03
0.02
0.91
0.89
Non Current Assets
828.95
628.89
486.55
448.43
413.25
292.89
138.30
239.36
90.15
95.91
Capital Work in Progress
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Non Current Investment
712.26
627.11
470.18
447.38
412.19
291.84
137.25
238.29
86.97
94.82
Long Term Loans & Adv.
0.00
0.38
13.33
1.01
1.01
1.01
1.01
1.01
3.10
1.01
Other Non Current Assets
1.01
1.01
1.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Current Assets
389.19
479.75
296.95
42.08
84.55
7.60
26.05
14.64
72.57
37.84
Current Investments
384.86
456.81
291.76
41.58
61.40
0.00
0.00
0.00
32.41
2.46
Inventories
0.08
0.10
0.11
0.09
9.76
4.06
13.88
7.74
6.52
1.16
Sundry Debtors
2.17
0.00
1.42
0.00
0.91
0.00
0.12
0.00
0.00
2.67
Cash & Bank
2.05
22.82
2.61
0.17
1.88
0.06
7.53
0.18
0.32
1.63
Other Current Assets
0.02
0.02
1.05
0.09
10.60
3.48
4.52
6.71
33.32
29.91
Short Term Loans & Adv.
0.00
0.00
0.00
0.14
10.47
3.47
4.48
6.66
32.50
28.70
Net Current Assets
382.79
435.98
283.00
19.05
45.93
0.06
14.40
13.80
36.44
17.98
Total Assets
1,218.14
1,108.64
783.50
490.51
497.80
300.49
164.35
254.00
162.72
133.75

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Cash From Operating Activity
-114.17
8.74
32.98
26.98
50.28
-4.90
-17.56
15.65
-5.97
-22.60
PBT
112.33
68.82
123.47
19.10
83.72
24.89
-13.06
0.74
13.65
5.14
Adjustment
-99.06
-36.60
-87.65
17.04
-19.01
-30.39
-1.86
-6.49
-29.75
-7.86
Changes in Working Capital
-112.85
-8.71
9.13
2.53
-7.36
-1.19
-2.41
22.10
11.14
-19.84
Cash after chg. in Working capital
-99.57
23.51
44.95
38.67
57.35
-6.69
-17.33
16.34
-4.95
-22.56
Interest Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Tax Paid
-14.59
-14.76
-11.97
-11.70
-7.07
1.79
-0.23
-0.69
-1.02
-0.04
Other Direct Exp. Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Extra & Other Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
138.80
-108.17
-6.75
-21.78
-81.23
4.15
15.67
15.65
7.91
26.88
Net Fixed Assets
-0.02
-0.02
-0.01
0.00
-0.02
-0.01
0.01
0.91
-0.02
-0.96
Net Investments
-11.20
-319.32
-268.88
-15.12
-179.39
-150.95
99.88
-115.50
-22.11
-46.58
Others
150.02
211.17
262.14
-6.66
98.18
155.11
-84.22
130.24
30.04
74.42
Cash from Financing Activity
-45.40
119.63
-23.76
-6.90
32.76
-6.72
9.24
-31.47
-3.24
-2.81
Net Cash Inflow / Outflow
-20.77
20.21
2.47
-1.70
1.82
-7.47
7.35
-0.17
-1.30
1.47
Opening Cash & Equivalents
22.82
2.61
0.14
1.84
0.02
7.49
0.14
0.29
1.59
0.09
Closing Cash & Equivalent
2.05
22.82
2.61
0.14
1.84
0.02
7.49
0.12
0.29
1.59

Financial Ratios

Consolidated /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Book Value (Rs.)
10050.43
8828.93
6769.45
4253.97
4142.89
2789.14
1566.98
2444.29
1290.11
1807.47
ROA
7.93%
5.65%
16.31%
2.37%
16.27%
9.17%
-4.60%
0.17%
10.77%
4.80%
ROE
8.92%
6.42%
18.30%
2.71%
18.40%
9.78%
-4.79%
0.19%
13.04%
6.92%
ROCE
10.92%
8.25%
21.62%
4.56%
22.92%
11.71%
-6.20%
0.44%
9.82%
7.92%
Fixed Asset Turnover
860.61
618.41
1188.36
425.69
1348.19
786.90
97.85
32.06
87.30
76.53
Receivable days
6.55
0.00
4.03
0.00
2.66
0.00
2.94
0.03
0.00
43.40
Inventory Days
0.28
0.52
0.30
40.90
20.15
53.19
538.53
152.58
16.41
96.74
Payable days
0.00
0.00
0.00
0.79
4.00
6.34
0.45
0.96
18.78
125.47
Cash Conversion Cycle
6.83
0.52
4.33
40.11
18.82
46.85
541.02
151.64
-2.37
14.67
Total Debt/Equity
0.00
0.04
0.00
0.05
0.06
0.02
0.06
0.00
0.25
0.07
Interest Cover
38.59
44.17
74.27
11.84
93.02
17.43
-44.13
5.87
41.55
2.81

Annual Reports:

FY 2026
FY 2025
FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017

News Update:


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Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.