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Dewan Housing Finance Corporation Limited

ISIN : INE202B01012
NSE : DHFL
BSE : 511072
Face Value : 10
Industry : Finance - Housing

EPS : -479.61
EPS (TTM) : -471.83
Price to Earning (P/E) :
Book Value : 6.37
Price to Bookvalue (P/B) :
Dividend Yield : 0 %
Return on Equity (ROE) : -13.31 %
Return on Capital Employed (ROCE) : 0.15 %

Dewan Housing share price (01-Jan-1970)
National Stock Exchange NSE
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52 Week Low / High	0 - 0 NAN %
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Open / Close	- NAN %
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52 Week Low / High	0 - 0 NAN %

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Consolidated Standalone

CONSOLIDATED QUARTERLY RESULT FOR DEWAN HOUSING FINANCE CORPORATION LIMITED

Date End	Jun 2021
No of months	3 months
Net Sales	20006.9
Total Income	20013.6
Total Expenditure	14869.4
Other Income	6.7
Operating Profit	5144.2
Interest	479.6
PBDT	4664.6
Depreciation	188.5
Profit Before Tax	4476.1
Tax	1331.8
Profit After Tax	3144.3
Net Profit	3144.3
Equity Capital	3138.2
Face Value (IN RS)	10
Calculated EPS	10.02
Diluted Eps After Extraordinary Items	10.02
Diluted Eps Before Extraordinary Items	10.02

STANDALONE QUARTERLY RESULT FOR DEWAN HOUSING FINANCE CORPORATION LIMITED

Date End	Jun 2021
No of months	3 months
Net Sales	20006.9
Total Income	20013.6
Total Expenditure	14869.3
Other Income	6.7
Operating Profit	5144.3
Interest	479.6
PBDT	4664.7
Depreciation	188.5
Profit Before Tax	4476.2
Tax	1331.8
Profit After Tax	3144.4
Net Profit	3144.4
Equity Capital	3138.2
Face Value (IN RS)	10
Calculated EPS	10.02
Diluted Eps After Extraordinary Items	10.02
Diluted Eps Before Extraordinary Items	10.02

Consolidated Standalone

CONSOLIDATED ANNUAL RESULT FOR DEWAN HOUSING FINANCE CORPORATION LIMITED

Consolidated Standalone

CONSOLIDATED PROFIT / LOSS FOR DEWAN HOUSING FINANCE CORPORATION LIMITED

YEAR	Mar 2021	Mar 2022	Mar 2023	Mar 2024
No of Months	12 months	12 months	12 months	12 months
Operating Income	8770.69 Cr	6120.81 Cr	6606.31 Cr	6703.24 Cr
Interest income	8719 Cr	5945.78 Cr	6314.19 Cr	5838.63 Cr
Brokerages & commissions	1.24 Cr	0	0	0
Processing fees and other charges	50.45 Cr	91.65 Cr	161.01 Cr	310.13 Cr
Operating Income (Net)	8770.69 Cr	6120.81 Cr	6606.31 Cr	6703.24 Cr
Employee Cost	213.12 Cr	294.69 Cr	711.71 Cr	1146.4 Cr
Salaries, Wages & Bonus	200 Cr	279.99 Cr	626.77 Cr	964.41 Cr
Contributions to EPF & Pension Funds	10.92 Cr	10.96 Cr	34.5 Cr	54.59 Cr
Workmen and Staff Welfare Expenses	11 Lk	11.95 Cr	27.5 Cr	60.26 Cr
Operating & Establishment Expenses	86.54 Cr	99.5 Cr	49.71 Cr	215.05 Cr
Rent , Rates & Taxes	11.14 Cr	7.14 Cr	12.48 Cr	45.6 Cr
Repairs and Maintenance	64.35 Cr	43.85 Cr	25.8 Cr	36.56 Cr
Insurance	6.28 Cr	0	0	0
Electricity & Power	4.77 Cr	4.21 Cr	11.43 Cr	20.27 Cr
Administrations & Other Expenses	84.26 Cr	336.21 Cr	832.1 Cr	756.35 Cr
Printing and stationery	49 Lk	3.15 Cr	6.33 Cr	8.27 Cr
Professional and legal fees	11.58 Cr	285.54 Cr	621.54 Cr	573.89 Cr
Advertisement & Sales Promotion	3.31 Cr	10.59 Cr	43.44 Cr	90.47 Cr
Provisions and Contingencies	28236.7 Cr	1198.8 Cr	6196.95 Cr	4274.56 Cr
Bad debts /advances written off	1.56 Cr	0	606.1 Cr	0
Loss on disposal of fixed assets(net)	1.55 Cr	0	0	0
Loss on sale of non-trade current investments	0	500.28 Cr	2136.66 Cr	0
Total Expenditure	28620.6 Cr	1929.2 Cr	7790.47 Cr	6392.36 Cr
Other Income	32.14 Cr	66.14 Cr	2193.71 Cr	1660.84 Cr
Other Interest Income	25.37 Cr	0	37.36 Cr	26.16 Cr
Profit on sale of Fixed Assets	0	0	2.62 Cr	8.25 Cr
Income from investments	0	0	1365.49 Cr	738.26 Cr
Provision Written Back	0	0	765.38 Cr	525.81 Cr
Operating Profit	-19817.8 Cr	4257.75 Cr	1009.55 Cr	1971.72 Cr
Interest	218.49 Cr	3348.7 Cr	3469.97 Cr	3705.42 Cr
Loans	1.79 Cr	1304.23 Cr	1098.01 Cr	1277.42 Cr
Deposits	0	193.29 Cr	128.94 Cr	72.78 Cr
Bonds / Debentures	0	1839.54 Cr	2230.55 Cr	2309.24 Cr
Depreciation	80.83 Cr	52.36 Cr	97.25 Cr	152.42 Cr
Profit Before Taxation & Exceptional Items	-20117.1 Cr	856.69 Cr	-2557.67 Cr	-1886.12 Cr
Exceptional Income / Expenses	0	-142.72 Cr	-10256.8 Cr	-1657.68 Cr
Profit Before Tax	-20117.1 Cr	728.38 Cr	-12793.5 Cr	-3615.63 Cr
Provision for Tax	-5065.93 Cr	188.23 Cr	-5392.16 Cr	-1640.35 Cr
Current Income Tax	91.37 Cr	563.25 Cr	91 Lk	2.13 Cr
Deferred Tax	-5157.3 Cr	-375.02 Cr	-2065.53 Cr	-1112.21 Cr
Profit After Tax	-15051.2 Cr	540.15 Cr	-7401.36 Cr	-1975.28 Cr
Other Consolidated Items	-51 Lk	0	0	0
Consolidated Net Profit	-15051.7 Cr	540.15 Cr	-7401.36 Cr	-1975.28 Cr
Profit Balance B/F	-12372.1 Cr	1556.54 Cr	905.01 Cr	-6566.15 Cr
Appropriations	-27423.8 Cr	2096.69 Cr	-6496.35 Cr	-8541.43 Cr
Earnings Per Share	-479.63	0.25	-3.46	-0.85
Adjusted EPS	-479.63	0.25	-3.46	-0.85

STANDALONE PROFIT / LOSS FOR DEWAN HOUSING FINANCE CORPORATION LIMITED

YEAR	Mar 2021	Mar 2022	Mar 2023	Mar 2024
No of Months	12 months	12 months	12 months	12 months
Operating Income	8770.69 Cr	6120.81 Cr	7957.27 Cr	6663.56 Cr
Interest income	8719 Cr	5945.78 Cr	6322.43 Cr	5863.07 Cr
Brokerages & commissions	1.24 Cr	0	0	0
Processing fees and other charges	50.45 Cr	91.65 Cr	161.01 Cr	566.99 Cr
Operating Income (Net)	8770.69 Cr	6120.81 Cr	7957.27 Cr	6663.56 Cr
Employee Cost	213.12 Cr	294.69 Cr	561.04 Cr	859.07 Cr
Salaries, Wages & Bonus	200 Cr	279.99 Cr	487.59 Cr	707.5 Cr
Contributions to EPF & Pension Funds	10.92 Cr	10.96 Cr	24.92 Cr	35.63 Cr
Workmen and Staff Welfare Expenses	11 Lk	11.95 Cr	27.3 Cr	48.12 Cr
Operating & Establishment Expenses	86.54 Cr	99.5 Cr	100.68 Cr	203.61 Cr
Rent , Rates & Taxes	11.14 Cr	7.14 Cr	13.09 Cr	46.93 Cr
Repairs and Maintenance	64.35 Cr	43.85 Cr	24.28 Cr	32.83 Cr
Insurance	6.28 Cr	0	0	0
Electricity & Power	4.77 Cr	4.21 Cr	9.9 Cr	13.32 Cr
Administrations & Other Expenses	84.21 Cr	336.18 Cr	892.68 Cr	1050.83 Cr
Printing and stationery	49 Lk	3.15 Cr	6.33 Cr	7.87 Cr
Professional and legal fees	11.58 Cr	285.54 Cr	741.13 Cr	875.59 Cr
Advertisement & Sales Promotion	3.31 Cr	10.59 Cr	43.31 Cr	90.46 Cr
Provisions and Contingencies	28236.7 Cr	1198.8 Cr	6527.25 Cr	4274.64 Cr
Bad debts /advances written off	1.56 Cr	0	0	0
Loss on disposal of fixed assets(net)	1.55 Cr	0	0	0
Loss on sale of non-trade current investments	0	500.28 Cr	2137.6 Cr	999.79 Cr
Total Expenditure	28620.6 Cr	1929.17 Cr	8081.65 Cr	6388.15 Cr
Other Income	32.14 Cr	66.11 Cr	1153.25 Cr	1643.63 Cr
Other Interest Income	25.37 Cr	0	37.36 Cr	25.83 Cr
Profit on sale of Fixed Assets	0	0	2.62 Cr	67 Lk
Income from investments	0	0	0	927.3 Cr
Provision Written Back	0	0	1094.74 Cr	336.74 Cr
Operating Profit	-19817.7 Cr	4257.75 Cr	1028.87 Cr	1919.04 Cr
Interest	218.49 Cr	3348.69 Cr	3483.21 Cr	3655.05 Cr
Loans	1.79 Cr	1318.09 Cr	1082.23 Cr	1221.67 Cr
Deposits	0	193.28 Cr	128.08 Cr	72.78 Cr
Bonds / Debentures	0	1820.87 Cr	2243.02 Cr	2309.24 Cr
Depreciation	80.83 Cr	52.36 Cr	94.97 Cr	155.11 Cr
Profit Before Taxation & Exceptional Items	-20117 Cr	856.7 Cr	-2549.31 Cr	-1891.12 Cr
Exceptional Income / Expenses	0	-142.72 Cr	-10256.8 Cr	-1657.68 Cr
Profit Before Tax	-20117 Cr	713.98 Cr	-12806.1 Cr	-3548.8 Cr
Provision for Tax	-5065.93 Cr	188.23 Cr	-5381.29 Cr	-1637.45 Cr
Current Income Tax	91.37 Cr	563.25 Cr	0	0
Deferred Tax	-5157.3 Cr	-375.02 Cr	-2053.75 Cr	-1108.13 Cr
Profit After Tax	-15051.1 Cr	525.75 Cr	-7424.83 Cr	-1911.35 Cr
Other Consolidated Items	-51 Lk	0	0	0
Consolidated Net Profit	-15051.6 Cr	525.75 Cr	-7424.83 Cr	-1911.35 Cr
Profit Balance B/F	-12363.9 Cr	1556.54 Cr	57.34 Cr	-7366.49 Cr
Appropriations	-27415.6 Cr	2082.29 Cr	-7367.49 Cr	-9277.84 Cr
Earnings Per Share	-479.61	0.25	-3.48	-0.82
Adjusted EPS	-479.61	0.25	-3.48	-0.82

Consolidated Standalone

CONSOLIDATED CASH FLOW FOR DEWAN HOUSING FINANCE CORPORATION LIMITED

Year End	Mar 2021	Mar 2022	Mar 2023	Mar 2024
No of Months	12 months	12 months	12 months	12 months
Profit Before Tax	-20117.1 Cr	728.38 Cr	-12793.5 Cr	-3615.63 Cr
Adjustment	28176.9 Cr	1083.34 Cr	17798.2 Cr	8099.75 Cr
Changes In working Capital	90.05 Cr	3929.12 Cr	94.83 Cr	-6624.96 Cr
Cash Flow after changes in Working Capital	8149.85 Cr	5740.84 Cr	5099.52 Cr	-2140.84 Cr
Cash Flow from Operating Activities	7135.18 Cr	5323.91 Cr	5502.55 Cr	-1927.74 Cr
Cash Flow from Investing Activities	-4525.77 Cr	-324.98 Cr	1292.15 Cr	-815.74 Cr
Cash Flow from Financing Activitie	0	-5028.6 Cr	-9486.62 Cr	2772.55 Cr
Net Cash Inflow / Outflow	2609.41 Cr	-29.67 Cr	-2691.92 Cr	29.07 Cr
Opening Cash & Cash Equivalents	6849.28 Cr	3559.67 Cr	4619.25 Cr	1928.02 Cr
Cash & Cash Equivalent on Amalgamation / Take over / Merger	0	1089.25 Cr	69 Lk	0
Closing Cash & Cash Equivalent	9458.69 Cr	4619.25 Cr	1928.02 Cr	1957.09 Cr

STANDALONE CASH FLOW FOR DEWAN HOUSING FINANCE CORPORATION LIMITED

Year End	Mar 2021	Mar 2022	Mar 2023	Mar 2024
No of Months	12 months	12 months	12 months	12 months
Profit Before Tax	-20117 Cr	713.98 Cr	-12806.1 Cr	-3548.8 Cr
Adjustment	28176.9 Cr	1097.81 Cr	17791.4 Cr	7991.89 Cr
Changes In working Capital	90.03 Cr	3929.12 Cr	-47.06 Cr	-6505.42 Cr
Cash Flow after changes in Working Capital	8149.88 Cr	5740.91 Cr	4938.18 Cr	-2062.33 Cr
Cash Flow from Operating Activities	7135.21 Cr	5323.98 Cr	5346.05 Cr	-1838.82 Cr
Cash Flow from Investing Activities	-4525.77 Cr	-325.04 Cr	1196.2 Cr	-953.9 Cr
Cash Flow from Financing Activitie	0	-5028.6 Cr	-9245.52 Cr	2810.95 Cr
Net Cash Inflow / Outflow	2609.44 Cr	-29.66 Cr	-2703.27 Cr	18.23 Cr
Opening Cash & Cash Equivalents	6848.61 Cr	3559.01 Cr	4618.6 Cr	1915.33 Cr
Cash & Cash Equivalent on Amalgamation / Take over / Merger	0	1089.25 Cr	0	0
Closing Cash & Cash Equivalent	9458.05 Cr	4618.6 Cr	1915.33 Cr	1933.56 Cr

Consolidated Standalone

CONSOLIDATED BALANCE SHEET FOR DEWAN HOUSING FINANCE CORPORATION LIMITED

YEAR	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Share Capital	313.82 Cr	21364.7 Cr	21364.7 Cr	23364.7 Cr
Equity - Authorised	840.39 Cr	25840.4 Cr	25840.4 Cr	25840.4 Cr
Equity - Issued	313.82 Cr	21364.7 Cr	21364.7 Cr	23364.7 Cr
Equity Paid Up	313.82 Cr	21364.7 Cr	21364.7 Cr	23364.7 Cr
Face Value	10	10	10	10
Total Reserves	-20986.6 Cr	822.98 Cr	-6583.65 Cr	-8469.99 Cr
Securities Premium	2208.85 Cr	2208.85 Cr	2208.85 Cr	2208.85 Cr
Capital Reserves	0	172.63 Cr	172.65 Cr	172.65 Cr
Profit & Loss Account Balance	-27423.8 Cr	905.01 Cr	-6566.15 Cr	-8472.43 Cr
General Reserves	1219.36 Cr	0	0	0
Reserve excluding Revaluation Reserve	-20986.6 Cr	822.98 Cr	-6583.65 Cr	-8469.99 Cr
Shareholder's Funds	-20645.3 Cr	22187.7 Cr	14781 Cr	14894.7 Cr
Secured Loans	76037.7 Cr	40448.3 Cr	37492.4 Cr	42040.1 Cr
Non Convertible Debentures	43121.9 Cr	28712.7 Cr	25524 Cr	25792.1 Cr
Term Loans - Banks	27470.1 Cr	11735.6 Cr	11222.1 Cr	11739.7 Cr
Term Loans - Institutions	2432.82 Cr	0	746.32 Cr	699.13 Cr
Unsecured Loans	8865.37 Cr	5462.25 Cr	126.88 Cr	577.23 Cr
Fixed Deposits - Public	5203.57 Cr	0	0	0
Inter Corporate Deposits (Unsecured)	0	2666 Cr	0	450 Cr
Deferred Tax Assets / Liabilities	-10200.8 Cr	616.31 Cr	-1431.38 Cr	-2538.29 Cr
Deferred Tax Assets	13974.5 Cr	2098.86 Cr	1753.52 Cr	2848.18 Cr
Deferred Tax Liability	3773.77 Cr	2715.17 Cr	322.14 Cr	309.89 Cr
Other Long Term Liabilities	14 Lk	0	3457.98 Cr	265.34 Cr
Long Term Provisions	0	2072.98 Cr	0	443.22 Cr
Total Non-Current Liabilities	74702.5 Cr	48599.8 Cr	39645.9 Cr	40787.6 Cr
Trade Payables	76.03 Cr	520.2 Cr	293.34 Cr	356.01 Cr
Sundry Creditors	76.03 Cr	520.2 Cr	293.34 Cr	356.01 Cr
Other Current Liabilities	1069.05 Cr	6388.75 Cr	2161.56 Cr	4520.09 Cr
Advances received from customers	69.61 Cr	73.52 Cr	140.43 Cr	0
Short Term Borrowings	4948.09 Cr	505.29 Cr	3297.71 Cr	3062.92 Cr
Secured ST Loans repayable on Demands	4770.1 Cr	150.64 Cr	768.45 Cr	140.39 Cr
Working Capital Loans- Sec	1190.53 Cr	150.64 Cr	768.45 Cr	140.39 Cr
Short Term Provisions	7.56 Cr	3918.77 Cr	655.53 Cr	1290.58 Cr
Provision for Tax	0	3816.77 Cr	592.08 Cr	1290.58 Cr
Provision for post retirement benefits	7.56 Cr	0	63.45 Cr	0
Total Current Liabilities	6100.73 Cr	11333 Cr	6408.14 Cr	9229.6 Cr
Total Liabilities	60157.9 Cr	82120.5 Cr	60835.1 Cr	64911.9 Cr
Loans (Non - Current Assets)	38455.3 Cr	47560.2 Cr	41564.8 Cr	48275.9 Cr
Gross Block	1088.19 Cr	10933.6 Cr	641.48 Cr	1063.02 Cr
Less: Accumulated Depreciation	210.78 Cr	113.14 Cr	0	255.36 Cr
Net Block	877.41 Cr	10820.5 Cr	641.48 Cr	807.66 Cr
Non Current Investments	2985.19 Cr	13850.7 Cr	9381.92 Cr	8307.28 Cr
Long Term Investment	2985.19 Cr	13850.7 Cr	9381.92 Cr	8307.28 Cr
Quoted	727.83 Cr	1320.7 Cr	1040.31 Cr	1098.05 Cr
Unquoted	2257.36 Cr	14665.2 Cr	8341.61 Cr	7240.31 Cr
Long Term Loans & Advances	56.58 Cr	2701.44 Cr	795.49 Cr	1041.52 Cr
Other Non Current Assets	97.25 Cr	263.72 Cr	328.44 Cr	0
Total Non-Current Assets	42534 Cr	75208.7 Cr	53690.6 Cr	59402.8 Cr
Currents Investments	5463.46 Cr	0	3583.73 Cr	0
Quoted	4788.24 Cr	0	340 Cr	0
Unquoted	2257.36 Cr	14665.2 Cr	8341.61 Cr	7240.31 Cr
Sundry Debtors	47 Lk	0	4.51 Cr	2.34 Cr
Debtors more than Six months	79 Lk	0	2.7 Cr	4.14 Cr
Debtors Others	47 Lk	0	4.51 Cr	90 Lk
Cash and Bank	10323.8 Cr	5159.63 Cr	2619.93 Cr	2949.58 Cr
Cash in hand	9.1 Cr	5.74 Cr	0	0
Balances at Bank	10314.7 Cr	5153.89 Cr	2619.93 Cr	2949.58 Cr
Other Current Assets	1808.84 Cr	1010.23 Cr	903.31 Cr	979.32 Cr
Interest accrued and or due on loans	0	509.46 Cr	16 Lk	296.01 Cr
Prepaid Expenses	0	0	0	21.7 Cr
Short Term Loans and Advances	27.28 Cr	741.94 Cr	33 Cr	1577.8 Cr
Advances recoverable in cash or in kind	3.62 Cr	191.44 Cr	0	168.36 Cr
Advance income tax and TDS	0	407.88 Cr	0	1211.47 Cr
Total Current Assets	17623.8 Cr	6911.8 Cr	7144.48 Cr	5509.04 Cr
Net Current Assets (Including Current Investments)	11523.1 Cr	-4421.21 Cr	736.34 Cr	-3720.56 Cr
Total Assets	60157.9 Cr	82120.5 Cr	60835.1 Cr	64911.9 Cr
Contingent Liabilities	2774.06 Cr	119.17 Cr	230.73 Cr	230.72 Cr
Total Debt	89851.2 Cr	46415.8 Cr	40917 Cr	45680.2 Cr
Book Value	0	10.39	6.92	6.37
Adjusted Book Value	-658.75	10.39	6.92	6.37

STANDALONE BALANCE SHEET FOR DEWAN HOUSING FINANCE CORPORATION LIMITED

YEAR	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Share Capital	313.82 Cr	21364.7 Cr	21364.7 Cr	23364.7 Cr
Equity - Authorised	840.39 Cr	25840.4 Cr	25840.4 Cr	25840.4 Cr
Equity - Issued	313.82 Cr	21364.7 Cr	21364.7 Cr	23364.7 Cr
Equity Paid Up	313.82 Cr	21364.7 Cr	21364.7 Cr	23364.7 Cr
Face Value	10	10	10	10
Total Reserves	-20978.4 Cr	894.52 Cr	-6464.82 Cr	-8360.44 Cr
Securities Premium	2208.85 Cr	2208.85 Cr	2208.85 Cr	2208.85 Cr
Capital Reserves	0	172.63 Cr	172.63 Cr	172.63 Cr
Profit & Loss Account Balance	-27415.6 Cr	57.34 Cr	-7366.49 Cr	-9282.05 Cr
General Reserves	1219.36 Cr	0	0	0
Reserve excluding Revaluation Reserve	-20978.4 Cr	894.52 Cr	-6464.82 Cr	-8360.44 Cr
Shareholder's Funds	-20637 Cr	22259.2 Cr	14899.9 Cr	15004.2 Cr
Secured Loans	76037.7 Cr	40448.3 Cr	36871.1 Cr	41423.8 Cr
Non Convertible Debentures	43121.9 Cr	28712.7 Cr	25524 Cr	25792.1 Cr
Term Loans - Banks	27470.1 Cr	11735.6 Cr	10600.8 Cr	11123.4 Cr
Term Loans - Institutions	2432.82 Cr	0	0	699.13 Cr
Unsecured Loans	8865.37 Cr	5462.25 Cr	1533.97 Cr	577.23 Cr
Fixed Deposits - Public	5203.57 Cr	0	0	0
Inter Corporate Deposits (Unsecured)	0	2666 Cr	315.52 Cr	450 Cr
Deferred Tax Assets / Liabilities	-10209.6 Cr	607.46 Cr	-1424.27 Cr	-2527.11 Cr
Deferred Tax Assets	13983.4 Cr	2098.85 Cr	1739.65 Cr	2828.15 Cr
Deferred Tax Liability	3773.76 Cr	2706.31 Cr	315.38 Cr	301.04 Cr
Other Long Term Liabilities	14 Lk	0	0	342.79 Cr
Long Term Provisions	0	2072.98 Cr	364.23 Cr	611.97 Cr
Total Non-Current Liabilities	74693.6 Cr	48591 Cr	37345 Cr	40428.7 Cr
Trade Payables	76.03 Cr	520.09 Cr	290.07 Cr	352.84 Cr
Sundry Creditors	76.03 Cr	520.09 Cr	290.07 Cr	352.84 Cr
Other Current Liabilities	1068.99 Cr	6388.74 Cr	5293.79 Cr	4475.52 Cr
Advances received from customers	69.61 Cr	73.5 Cr	140.43 Cr	0
Short Term Borrowings	4948.09 Cr	505.29 Cr	2206.14 Cr	3062.92 Cr
Secured ST Loans repayable on Demands	4770.1 Cr	150.64 Cr	768.45 Cr	140.39 Cr
Working Capital Loans- Sec	1190.53 Cr	150.64 Cr	768.45 Cr	140.39 Cr
Short Term Provisions	7.56 Cr	3918.77 Cr	2278.83 Cr	1290.58 Cr
Provision for Tax	0	3816.77 Cr	2217.84 Cr	1290.58 Cr
Provision for post retirement benefits	7.56 Cr	0	0	0
Total Current Liabilities	6100.67 Cr	11332.9 Cr	10068.8 Cr	9181.86 Cr
Total Liabilities	60157.2 Cr	82183.1 Cr	62313.7 Cr	64614.8 Cr
Loans (Non - Current Assets)	38455.3 Cr	47560.2 Cr	41835.8 Cr	48425.9 Cr
Gross Block	1088.19 Cr	10933.6 Cr	847.35 Cr	1157.43 Cr
Less: Accumulated Depreciation	210.78 Cr	113.14 Cr	168.35 Cr	284.8 Cr
Net Block	877.41 Cr	10820.5 Cr	679 Cr	872.63 Cr
Non Current Investments	2985.2 Cr	13914 Cr	13080 Cr	8637.34 Cr
Long Term Investment	2985.2 Cr	13914 Cr	13080 Cr	8637.34 Cr
Quoted	727.83 Cr	1320.68 Cr	1040.31 Cr	1098.05 Cr
Unquoted	2332.38 Cr	13673.8 Cr	12401 Cr	7570.37 Cr
Long Term Loans & Advances	56.58 Cr	2701.44 Cr	1397.55 Cr	1200.09 Cr
Other Non Current Assets	97.25 Cr	263.72 Cr	16.41 Cr	0
Total Non-Current Assets	42534 Cr	75271.9 Cr	57012.3 Cr	59146 Cr
Currents Investments	5463.46 Cr	0	94.97 Cr	10.14 Cr
Quoted	4788.24 Cr	0	94.97 Cr	0
Unquoted	2332.38 Cr	13673.8 Cr	12401 Cr	7570.37 Cr
Sundry Debtors	47 Lk	0	0	0
Debtors more than Six months	79 Lk	0	0	0
Debtors Others	47 Lk	0	0	0
Cash and Bank	10323.2 Cr	5158.98 Cr	2596.78 Cr	2915 Cr
Cash in hand	9.1 Cr	5.74 Cr	0	0
Balances at Bank	10314.1 Cr	5153.24 Cr	2596.78 Cr	2915 Cr
Other Current Assets	1808.84 Cr	1010.24 Cr	905.42 Cr	967.21 Cr
Interest accrued and or due on loans	0	509.46 Cr	302.42 Cr	295.83 Cr
Prepaid Expenses	0	0	0	20.29 Cr
Short Term Loans and Advances	27.26 Cr	741.9 Cr	1704.23 Cr	1576.42 Cr
Advances recoverable in cash or in kind	3.62 Cr	191.43 Cr	169.77 Cr	166.98 Cr
Advance income tax and TDS	0	407.88 Cr	1625.76 Cr	1211.47 Cr
Total Current Assets	17623.2 Cr	6911.12 Cr	5301.4 Cr	5468.77 Cr
Net Current Assets (Including Current Investments)	11522.5 Cr	-4421.77 Cr	-4767.43 Cr	-3713.09 Cr
Total Assets	60157.2 Cr	82183.1 Cr	62313.7 Cr	64614.8 Cr
Contingent Liabilities	2272.01 Cr	95.98 Cr	205.05 Cr	203.81 Cr
Total Debt	89851.2 Cr	46415.8 Cr	40611.2 Cr	45064 Cr
Book Value	0	10.42	6.97	0
Adjusted Book Value	-658.48	10.42	6.97	6.42

Consolidated Standalone

FINANCIAL RATIOS (CONSOLIDATED) FOR DEWAN HOUSING FINANCE CORPORATION LIMITED

YEAR	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Operational & Financial Ratios
Earnings Per Share (Rs)	-479.63	0.25	-3.46	-0.85
CEPS(Rs)	-477.04	0.28	-3.42	-0.78
Book NAV/Share(Rs)	-658.75	10.39	6.92	6.37
Tax Rate(%)	25.18	25.84	42.15	45.37
Margin Ratios
Core EBITDA Margin(%)	-226.32	68.48	-17.92	4.64
EBIT Margin(%)	-226.88	66.61	-141.13	1.34
Pre Tax Margin(%)	-229.37	11.9	-193.66	-53.94
PAT Margin (%)	-171.61	8.82	-112.04	-29.47
Cash Profit Margin (%)	-170.69	9.68	-110.56	-27.19
Performance Ratios
ROA(%)	-21.36	0.76	-10.54	-3.09
ROE(%)	0	71.31	-40.04	-13.31
ROCE(%)	-25.83	5.92	-15.33	0.15
Asset Turnover(x)	0.12	0.09	0.09	0.1
Sales/Fixed Asset(x)	8.2	1.02	1.14	7.18
Working Capital/Sales(x)	0.76	-1.38	8.97	-1.8
Efficiency Ratios
Fixed Capital/Sales(x)	0.12	0.98	0.88	0.14
Receivable days	0.07	0	0.25	0.19
Valuation Parameters
PCE(x)	-0.03	0	0	0
Price/Book(x)	-0.02	0	0	0
EV/Net Sales(x)	9.12	10.23	9.03	9.86
EV/Core EBITDA(x)	-4.04	14.71	59.1	33.52
EV/EBIT(x)	-4.02	15.36	-6.4	736.11
EV/CE(x)	1.33	0.76	0.98	1.09
M Cap / Sales	0.06	0	0	0
Growth Ratio
Net Sales Growth(%)	-8.24	-30.21	9.4	1.47
Core EBITDA Growth(%)	-61.82	121.48	-76.22	89.9
EBIT Growth(%)	-61.43	120.49	-329.34	100.97
PAT Growth(%)	-12.1	103.59	-1470.24	73.31
EPS Growth(%)	-11.86	100.05	-1470.24	75.6
Financial Stability Ratios
Total Debt/Equity(x)	-4.35	2.09	2.77	3.07
Current Ratio(x)	2.89	0.61	1.11	0.6
Quick Ratio(x)	2.89	0.61	1.11	0.6
Interest Cover(x)	-91.07	1.22	-2.69	0.02
Total Debt/Mcap(x)	183.53	0	0	0

FINANCIAL RATIOS (STANDALONE) FOR DEWAN HOUSING FINANCE CORPORATION LIMITED

YEAR	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Operational & Financial Ratios
Earnings Per Share (Rs)	-479.61	0.25	-3.48	-0.82
CEPS(Rs)	-477.03	0.27	-3.43	-0.75
Book NAV/Share(Rs)	-658.48	10.42	6.97	6.42
Tax Rate(%)	25.18	26.36	42.02	46.14
Margin Ratios
Core EBITDA Margin(%)	-226.32	68.48	-1.56	4.13
EBIT Margin(%)	-226.88	66.37	-117.16	1.59
Pre Tax Margin(%)	-229.37	11.66	-160.94	-53.26
PAT Margin (%)	-171.61	8.59	-93.31	-28.68
Cash Profit Margin (%)	-170.69	9.44	-92.12	-26.36
Performance Ratios
ROA(%)	-21.36	0.74	-10.28	-3.01
ROE(%)	0	65.94	-39.96	-12.78
ROCE(%)	-25.83	5.89	-15.01	0.18
Asset Turnover(x)	0.12	0.09	0.11	0.11
Sales/Fixed Asset(x)	8.2	1.02	1.35	6.65
Working Capital/Sales(x)	0.76	-1.38	-1.67	-1.79
Efficiency Ratios
Fixed Capital/Sales(x)	0.12	0.98	0.74	0.15
Receivable days	0.07	0	0	0
Valuation Parameters
PCE(x)	-0.03	0	0	0
Price/Book(x)	-0.02	0	0	0
EV/Net Sales(x)	9.12	10.23	7.46	9.83
EV/Core EBITDA(x)	-4.04	14.71	57.71	34.14
EV/EBIT(x)	-4.02	15.41	-6.37	616.6
EV/CE(x)	1.33	0.76	0.95	1.09
M Cap / Sales	0.06	0	0	0
Growth Ratio
Net Sales Growth(%)	-5.92	-30.21	30	1.09
Core EBITDA Growth(%)	-59.26	121.49	-75.84	86.52
EBIT Growth(%)	-58.9	120.42	-329.48	101.14
PAT Growth(%)	-10.57	103.49	-1512.24	74.26
EPS Growth(%)	-10.57	100.05	-1512.24	76.46
Financial Stability Ratios
Total Debt/Equity(x)	-4.35	2.09	2.73	3
Current Ratio(x)	2.89	0.61	0.53	0.6
Quick Ratio(x)	2.89	0.61	0.53	0.6
Interest Cover(x)	-91.07	1.21	-2.68	0.03
Total Debt/Mcap(x)	183.53	0	0	0

SHARE HOLDING PATTERN FOR DEWAN HOUSING FINANCE CORPORATION LIMITED

Date	Jun 2021
Promoters %	39.21
FII %	0.25
DII %	0.00
Public %	57.09

PEER COMPARISON FOR DEWAN HOUSING FINANCE CORPORATION LIMITED

No.	Name
1	Housing Development Finance Corporation Limited
2	LIC Housing Finance Limited
3	SBI HOME FINANCE LTD
4	Dewan Housing Finance Corporation Limited
5	Can Fin Homes Limited
6	GIC Housing Finance Limited
7	Repco Home Finance Limited
8	Housing & Urban Development Corporation Limited
9	PNB Housing Finance Limited
10	Indiabulls Housing Finance Limited
11	Reliance Home Finance Limited
12	Home First Finance Company India Limited
13	Aptus Value Housing Finance India Limited
14	Aavas Financiers Limited