Annual Financials

BS, P&L, Cash Flow, Ratios · Audited

Total Revenue

12.20Cr↑+178.9%

FY: FY26 · Audited

PAT

Thin margin

0.35Cr↑+181.1%

Margin: 2.9%

Total Assets

84.55Cr

Loans: 91%

CRAR

Above RBI min

24.94%

T1: 13.2 Cr

Are we growing?

Revenue up 178.9% YoY in FY26

Revenue, PBT & PAT across 3 years

All values ₹ Cr

Total Revenue

PBT

PAT

Total Income vs Total Expenses

₹ Cr · 3 years

Is growth profitable?

PAT margin: 2.9% · Cost-to-income: 103%

Expense composition

FY26 · ₹ Cr

Margin trend

PAT as % of revenue

Key ratios

FY26

ROA0.42%

ROE2.49%

Cost / Income103.25%

Finance Cost / Rev39.15%

Employee / Rev32.06%

How does revenue become profit?

Finance cost (39%) + Employee (32%) = 71% of revenue

P&L Waterfall · FY26

₹ Cr. Every rupee of revenue and where it goes.

100%

of rev

39%

of rev

32%

of rev

32%

of rev

3.9%

of rev

2.9%

of rev

Where is money going?

Finance cost: 39% of revenue · Sub-debt ₹ 56.7 Cr

Asset mix

FY26 · ₹ Cr

Liability & equity mix

FY26 · ₹ Cr

Are we safe?

CRAR: 24.94% (RBI min 15%) · D/E: 4.72x

CRAR

Above RBI 15%

24.94%

RWA: ₹83.6 Cr

Tier 1 Capital

13.23Cr

Core equity capital

Cash Coverage

Tight

7.6mo

Cash: ₹3.02 Cr · Interest: ₹39.8 L/mo

Debt / Equity

Moderate

4.72x

Sub-debt + Debt securities / Equity

▸Capital adequacy breakdownFY26

Expand

What should I do?

Auto-generated recommendations

infoSub-debt cost watch

Finance cost at 39% of revenue is manageable. Monitor 12.25% yearly NCD renewals.

dangerCost-to-income trajectory

Current cost-to-income: 103%. Critical. Costs are nearly equal to revenue. Audit opex.

successCapital buffer strong

CRAR 24.94% vs RBI 15% minimum. Buffer healthy. Supports growth.

infoLoan book growth vs deposits

Loans ₹76.9 Cr funded by sub-debt ₹56.7 Cr. Loan-to-funding: 115%.

Detailed P&L · FY26

21 rows

Line item↓	Value	YoY
Total Revenue from operations	₹12.20 Cr	+178.9%
Total Income	₹13.06 Cr	+159.7%
Total Expenses (IV)	₹12.59 Cr	+157.2%
Total Comprehensive Income for the period (XIII+XIV) (Comprising Profit (Loss) and other Comprehensive Income for the period)	₹0.35 Cr	+181.1%
Profit/(loss) for the period (IX+XII)	₹0.35 Cr	+181.1%
Profit/(loss) before tax (V -VI)	₹0.47 Cr	+249.0%
Profit / (loss) for the period from continuing operations(VII-VIII)	₹0.35 Cr	+181.1%
Profit / (loss) before exceptional items and tax (III - IV)	₹0.47 Cr	+249.0%
Others (to be specified)	₹0.98 Cr	N.A
Other Income (to be specified)	₹0.87 Cr	N.A
Other Expenses	₹3.80 Cr	N.A
Interest Income	₹11.21 Cr	N.A
Finance Cost	₹4.77 Cr	N.A
Employee Benefits Expenses	₹3.91 Cr	N.A
Diluted (Rs.)	₹0.00 Cr	+118.4%
Diluted (Rs.)	₹0.00 Cr	+118.4%
Depreciation	₹0.10 Cr	N.A
Basic (Rs.)	₹0.00 Cr	+118.4%
Basic (Rs.)	₹0.00 Cr	+118.4%
(2) Deferred Tax	₹0.21 Cr	+919.3%
(1) Current Tax	₹0.32 Cr	+988.9%

DuPont decomposition: what drives RoE?

RoE = Net Margin × Asset Turnover × Equity Multiplier. This breaks down whether returns come from profitability, efficiency, or leverage.

DuPont 3-factor breakdown

FY24 vs FY25 vs FY26 (if available)

Operating leverage

Is revenue growing faster than expenses?

Green bar taller than red = positive operating leverage (revenue growing faster than costs)

Budget vs Actual · FY26

ℹ

Budget comparison will activate when the FY26 budget Excel is loaded

Drop data/Budget FY2025-26.xlsx with the same line-item structure as the audited financials. Re-run python3 scripts/extract.py and the variance analysis will appear here automatically. See DATA-REQUEST.md for format details.

Without budget data, this dashboard answers "where are we" but not "are we on track." F4.1 data request sent to CFO.