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V.B.DESAI FINANCIAL SERVICES LTD

ISIN : INE848D01018
BSE : 511110
Face Value : 10
Industry : Finance - Investment

EPS : 1.03
EPS (TTM) : 1.09
Price to Earning (P/E) : 16.50
Book Value : 25.35
Price to Bookvalue (P/B) : 0.67
Dividend Yield : 0 %
Return on Equity (ROE) : 4.16 %
Return on Capital Employed (ROCE) : 5.50 %

V.B.DESAI FINANCIAL share price (02-Apr-2026)
Bombay Stock Exchange BSE
Open / Close	14.99 - 17 13.4 %
Low / High	14.99 - 17.34 15.7 %
Trade Volume	2,353
52 Week Low / High	11.6 - 37.6 224.1 %

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Consolidated Standalone

CONSOLIDATED QUARTERLY RESULT FOR V.B.DESAI FINANCIAL SERVICES LTD

Date End	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
No of months	3 months	3 months	3 months	3 months	3 months	3 months	3 months	3 months	3 months	3 months
Net Sales	6.67	7.31	5.3	5.57	8.1	5	7.75	10.35	7.73	7.29
Total Income	7.54	8.43	5.69	6.02	8.53	5.43	8.27	10.79	8.23	7.76
Total Expenditure	6.38	6.76	5.03	4.99	6.77	4.69	7.2	8.16	6.51	6.49
Other Income	0.87	1.12	0.39	0.45	0.43	0.42	0.52	0.44	0.5	0.48
Operating Profit	1.16	1.67	0.66	1.03	1.76	0.74	1.07	2.63	1.72	1.27
PBDT	1.16	1.67	0.66	1.03	1.76	0.74	1.07	2.63	1.72	1.27
Depreciation	0.02	0.02	0.02	0.03
Profit Before Tax	1.14	1.65	0.64	1	1.76	0.74	1.07	2.63	1.72	1.27
Tax	0.28	0.53	0.17	0.36	0.44	0.18	0.2	0.7	0.48	0.33
Profit After Tax	0.86	1.12	0.47	0.64	1.32	0.56	0.87	1.93	1.24	0.94
Net Profit	0.86	1.12	0.47	0.64	1.32	0.56	0.87	1.93	1.24	0.94
Equity Capital	45.38	45.38	45.38	45.38	45.38	45.38	45.38	45.38	45.38	45.38
Face Value (IN RS)	10	10	10	10	10	10	10	10	10	10
Calculated EPS	0.19	0.25	0.1	0.14	0.29	0.12	0.19	0.43	0.27	0.21
Diluted Eps After Extraordinary Items	0.19	0.25	0.1	0.13	0.29	0.12	0.19	0.42	0.27	0.21
Diluted Eps Before Extraordinary Items	0.19	0.25	0.1	0.13	0.29	0.12	0.19	0.42	0.27	0.21

STANDALONE QUARTERLY RESULT FOR V.B.DESAI FINANCIAL SERVICES LTD

Date End	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
No of months	3 months	3 months	3 months	3 months	3 months	3 months	3 months	3 months	3 months	3 months
Net Sales	6.67	7.31	5.3	5.57	8.1	5	7.75	10.35	7.73	7.29
Total Income	7.54	8.43	5.69	6.02	8.53	5.43	8.27	10.79	8.23	7.76
Total Expenditure	6.38	6.76	5.03	4.99	6.77	4.69	7.2	8.16	6.51	6.49
Other Income	0.87	1.12	0.39	0.45	0.43	0.42	0.52	0.44	0.5	0.48
Operating Profit	1.16	1.67	0.66	1.03	1.76	0.74	1.07	2.63	1.72	1.27
PBDT	1.16	1.67	0.66	1.03	1.76	0.74	1.07	2.63	1.72	1.27
Depreciation	0.02	0.02	0.02	0.03
Profit Before Tax	1.14	1.65	0.64	1	1.76	0.74	1.07	2.63	1.72	1.27
Tax	0.28	0.53	0.17	0.36	0.44	0.18	0.2	0.7	0.48	0.33
Profit After Tax	0.86	1.12	0.47	0.64	1.32	0.56	0.87	1.93	1.24	0.94
Net Profit	0.86	1.12	0.47	0.64	1.32	0.56	0.87	1.93	1.24	0.94
Equity Capital	45.38	45.38	45.38	45.38	45.38	45.38	45.38	45.38	45.38	45.38
Face Value (IN RS)	10	10	10	10	10	10	10	10	10	10
Calculated EPS	0.19	0.25	0.1	0.14	0.29	0.12	0.19	0.43	0.27	0.21
Diluted Eps After Extraordinary Items	0.19	0.25	0.1	0.13	0.29	0.12	0.19	0.42	0.27	0.21
Diluted Eps Before Extraordinary Items	0.19	0.25	0.1	0.13	0.29	0.12	0.19	0.42	0.27	0.21

Consolidated Standalone

CONSOLIDATED ANNUAL RESULT FOR V.B.DESAI FINANCIAL SERVICES LTD

Date End	Mar 2022	Mar 2023	Mar 2024
No of months	12 months	12 months	12 months
Net Sales	26.57	24.85	31.2
Total Income	28.12	27.69	33.01
Total Expenditure	23.18	23.17	26.81
Other Income	1.55	2.84	1.82
Operating Profit	4.94	4.52	6.2
PBDT	4.94	4.52	6.2
Depreciation	0.07	0.08	0.01
Profit Before Tax	4.87	4.44	6.19
Tax	1.29	1.34	1.52
Profit After Tax	3.58	3.1	4.67
Net Profit	3.58	3.1	4.67
Equity Capital	45.38	45.38	45.38
Face Value (IN RS)	10	10	10
Reserves	61.73	64.83	69.5
Calculated EPS	0.79	0.68	1.03
Diluted Eps After Extraordinary Items	0.79	0.68	1.03
Diluted Eps Before Extraordinary Items	0.79	0.68	1.03

STANDALONE ANNUAL RESULT FOR V.B.DESAI FINANCIAL SERVICES LTD

Date End	Mar 2022	Mar 2023	Mar 2024
No of months	12 months	12 months	12 months
Net Sales	26.57	24.85	31.2
Total Income	28.12	27.69	33.01
Total Expenditure	23.18	23.17	26.81
Other Income	1.55	2.84	1.82
Operating Profit	4.94	4.52	6.2
PBDT	4.94	4.52	6.2
Depreciation	0.07	0.08	0.01
Profit Before Tax	4.87	4.44	6.19
Tax	1.29	1.34	1.52
Profit After Tax	3.58	3.1	4.67
Net Profit	3.58	3.1	4.67
Equity Capital	45.38	45.38	45.38
Face Value (IN RS)	10	10	10
Reserves	61.73	64.83	69.5
Calculated EPS	0.79	0.68	1.03
Diluted Eps After Extraordinary Items	0.79	0.68	1.03
Diluted Eps Before Extraordinary Items	0.79	0.68	1.03

Consolidated Standalone

CONSOLIDATED PROFIT / LOSS FOR V.B.DESAI FINANCIAL SERVICES LTD

YEAR	Mar 2021	Mar 2022	Mar 2023	Mar 2024
No of Months	12 months	12 months	12 months	12 months
Operating Income	2.01 Cr	2.66 Cr	2.49 Cr	3.12 Cr
Interest income	2.01 Cr	2.66 Cr	2.49 Cr	3.12 Cr
Operating Income (Net)	2.01 Cr	2.66 Cr	2.49 Cr	3.12 Cr
Employee Cost	35.23 Lk	42.66 Lk	46.18 Lk	47.19 Lk
Salaries, Wages & Bonus	31.53 Lk	34.82 Lk	36.51 Lk	36.87 Lk
Contributions to EPF & Pension Funds	3.43 Lk	3.71 Lk	3.78 Lk	3.74 Lk
Workmen and Staff Welfare Expenses	26,882	58,000	3.9 Lk	3.55 Lk
Operating & Establishment Expenses	4.04 Lk	3.59 Lk	1.47 Lk	2.62 Lk
Rent , Rates & Taxes	2,500	3,000	3,000	95,000
Repairs and Maintenance	1.01 Lk	56,000	1.44 Lk	1.67 Lk
Administrations & Other Expenses	1.4 Cr	1.8 Cr	1.81 Cr	2.15 Cr
Printing and stationery	87,141	1.13 Lk	1.33 Lk	1.21 Lk
Professional and legal fees	1.33 Cr	1.72 Cr	1.72 Cr	2.06 Cr
Advertisement & Sales Promotion	18,058	56,000	69,000	62,000
Provisions and Contingencies	3.93 Lk	5.15 Lk	3.24 Lk	3.12 Lk
Loss on sale of non-trade current investments	71,517	3.55 Lk	0	0
Total Expenditure	1.83 Cr	2.32 Cr	2.32 Cr	2.68 Cr
Other Income	14.31 Lk	15.48 Lk	28.39 Lk	18.16 Lk
Other Interest Income	12.23 Lk	14.27 Lk	14.9 Lk	17.31 Lk
Income from investments	964	80,000	13.21 Lk	77,000
Provision Written Back	0	41,000	28,000	8,000
Operating Profit	32.4 Lk	49.41 Lk	45.23 Lk	62.06 Lk
Depreciation	64,536	65,000	82,000	13,000
Profit Before Taxation & Exceptional Items	31.76 Lk	48.76 Lk	44.41 Lk	61.93 Lk
Profit Before Tax	31.76 Lk	48.76 Lk	44.41 Lk	61.93 Lk
Provision for Tax	12.35 Lk	12.92 Lk	13.44 Lk	15.21 Lk
Current Income Tax	1.14 Lk	13.15 Lk	9.3 Lk	16.5 Lk
Deferred Tax	11,034	-75,000	2.32 Lk	-57,000
Profit After Tax	19.41 Lk	35.84 Lk	30.97 Lk	46.72 Lk
Consolidated Net Profit	19.41 Lk	35.84 Lk	30.97 Lk	46.72 Lk
Profit Balance B/F	3.49 Cr	3.69 Cr	4.04 Cr	4.35 Cr
Appropriations	3.69 Cr	4.04 Cr	4.35 Cr	4.82 Cr
Earnings Per Share	0.43	0.79	0.68	1.03
Adjusted EPS	0.43	0.79	0.68	1.03

STANDALONE PROFIT / LOSS FOR V.B.DESAI FINANCIAL SERVICES LTD

YEAR	Mar 2021	Mar 2022	Mar 2023	Mar 2024
No of Months	12 months	12 months	12 months	12 months
Operating Income	2.01 Cr	2.66 Cr	2.49 Cr	3.12 Cr
Interest income	2.01 Cr	2.66 Cr	2.49 Cr	3.12 Cr
Operating Income (Net)	2.01 Cr	2.66 Cr	2.49 Cr	3.12 Cr
Employee Cost	35.23 Lk	42.66 Lk	46.18 Lk	47.19 Lk
Salaries, Wages & Bonus	31.53 Lk	34.82 Lk	36.51 Lk	36.87 Lk
Contributions to EPF & Pension Funds	3.43 Lk	3.71 Lk	3.78 Lk	3.74 Lk
Workmen and Staff Welfare Expenses	26,882	58,000	3.9 Lk	3.55 Lk
Operating & Establishment Expenses	4.04 Lk	3.59 Lk	1.47 Lk	2.62 Lk
Rent , Rates & Taxes	2,500	3,000	3,000	95,000
Repairs and Maintenance	1.01 Lk	56,000	1.44 Lk	1.67 Lk
Administrations & Other Expenses	1.4 Cr	1.8 Cr	1.81 Cr	2.15 Cr
Printing and stationery	87,141	1.13 Lk	1.33 Lk	1.21 Lk
Professional and legal fees	1.33 Cr	1.72 Cr	1.72 Cr	2.06 Cr
Advertisement & Sales Promotion	18,058	56,000	69,000	62,000
Provisions and Contingencies	3.93 Lk	5.15 Lk	3.24 Lk	3.12 Lk
Loss on sale of non-trade current investments	71,517	3.55 Lk	0	0
Total Expenditure	1.83 Cr	2.32 Cr	2.32 Cr	2.68 Cr
Other Income	14.31 Lk	15.48 Lk	28.39 Lk	18.16 Lk
Other Interest Income	12.23 Lk	14.27 Lk	14.9 Lk	17.31 Lk
Income from investments	964	80,000	13.21 Lk	77,000
Provision Written Back	0	41,000	28,000	8,000
Operating Profit	32.4 Lk	49.41 Lk	45.23 Lk	62.06 Lk
Depreciation	64,536	65,000	82,000	13,000
Profit Before Taxation & Exceptional Items	31.76 Lk	48.76 Lk	44.41 Lk	61.93 Lk
Profit Before Tax	31.76 Lk	48.76 Lk	44.41 Lk	61.93 Lk
Provision for Tax	12.35 Lk	12.92 Lk	13.44 Lk	15.21 Lk
Current Income Tax	1.14 Lk	13.15 Lk	9.3 Lk	16.5 Lk
Deferred Tax	11,034	-75,000	2.32 Lk	-57,000
Profit After Tax	19.41 Lk	35.84 Lk	30.97 Lk	46.72 Lk
Consolidated Net Profit	19.41 Lk	35.84 Lk	30.97 Lk	46.72 Lk
Profit Balance B/F	3.49 Cr	3.69 Cr	4.04 Cr	4.35 Cr
Appropriations	3.69 Cr	4.04 Cr	4.35 Cr	4.82 Cr
Earnings Per Share	0.43	0.79	0.68	1.03
Adjusted EPS	0.43	0.79	0.68	1.03

Consolidated Standalone

CONSOLIDATED CASH FLOW FOR V.B.DESAI FINANCIAL SERVICES LTD

Year End	Mar 2021	Mar 2022	Mar 2023	Mar 2024
No of Months	12 months	12 months	12 months	12 months
Profit Before Tax	31.76 Lk	48.76 Lk	44.41 Lk	61.93 Lk
Adjustment	63,572	-38,000	-13.57 Lk	-1.19 Lk
Changes In working Capital	-19.48 Lk	11.02 Lk	-39.7 Lk	-12.62 Lk
Cash Flow after changes in Working Capital	12.91 Lk	59.4 Lk	-8.86 Lk	48.12 Lk
Cash Flow from Operating Activities	-1.76 Lk	43.89 Lk	-12.74 Lk	32.34 Lk
Cash Flow from Investing Activities	964	-32.46 Lk	-42,000	2,000
Net Cash Inflow / Outflow	-1.75 Lk	11.43 Lk	-13.16 Lk	32.36 Lk
Opening Cash & Cash Equivalents	11.52 Lk	9.77 Lk	21.2 Lk	8.04 Lk
Closing Cash & Cash Equivalent	9.77 Lk	21.2 Lk	8.04 Lk	40.4 Lk

STANDALONE CASH FLOW FOR V.B.DESAI FINANCIAL SERVICES LTD

Year End	Mar 2021	Mar 2022	Mar 2023	Mar 2024
No of Months	12 months	12 months	12 months	12 months
Profit Before Tax	31.76 Lk	48.76 Lk	44.41 Lk	61.93 Lk
Adjustment	63,572	-38,000	-13.57 Lk	-1.19 Lk
Changes In working Capital	-19.48 Lk	11.02 Lk	-39.7 Lk	-12.62 Lk
Cash Flow after changes in Working Capital	12.91 Lk	59.4 Lk	-8.86 Lk	48.12 Lk
Cash Flow from Operating Activities	-1.76 Lk	43.89 Lk	-12.74 Lk	32.34 Lk
Cash Flow from Investing Activities	964	-32.46 Lk	-42,000	2,000
Net Cash Inflow / Outflow	-1.75 Lk	11.43 Lk	-13.16 Lk	32.36 Lk
Opening Cash & Cash Equivalents	11.52 Lk	9.77 Lk	21.2 Lk	8.04 Lk
Closing Cash & Cash Equivalent	9.77 Lk	21.2 Lk	8.04 Lk	40.4 Lk

Consolidated Standalone

CONSOLIDATED BALANCE SHEET FOR V.B.DESAI FINANCIAL SERVICES LTD

YEAR	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Share Capital	4.54 Cr	4.54 Cr	4.54 Cr	4.54 Cr
Equity - Authorised	5 Cr	5 Cr	5 Cr	5 Cr
Equity - Issued	4.55 Cr	4.55 Cr	4.55 Cr	4.55 Cr
Equity Paid Up	4.53 Cr	4.53 Cr	4.53 Cr	4.53 Cr
Equity Shares Forfeited	1.02 Lk	1.02 Lk	1.02 Lk	1.02 Lk
Face Value	10	10	10	10
Total Reserves	5.81 Cr	6.17 Cr	6.48 Cr	6.95 Cr
Securities Premium	2.13 Cr	2.13 Cr	2.13 Cr	2.13 Cr
Profit & Loss Account Balance	3.69 Cr	4.04 Cr	4.35 Cr	4.82 Cr
Reserve excluding Revaluation Reserve	5.81 Cr	6.17 Cr	6.48 Cr	6.95 Cr
Shareholder's Funds	10.35 Cr	10.71 Cr	11.02 Cr	11.49 Cr
Deferred Tax Assets / Liabilities	-10.55 Lk	-11.3 Lk	-8.99 Lk	-9.56 Lk
Deferred Tax Assets	10.55 Lk	11.3 Lk	8.99 Lk	9.56 Lk
Long Term Provisions	27.92 Lk	17.58 Lk	3.02 Lk	0
Total Non-Current Liabilities	17.37 Lk	6.28 Lk	-5.97 Lk	-9.56 Lk
Trade Payables	12.75 Lk	16.09 Lk	21.44 Lk	31.52 Lk
Sundry Creditors	12.75 Lk	16.09 Lk	21.44 Lk	31.52 Lk
Other Current Liabilities	2.38 Lk	3.51 Lk	4.4 Lk	5.29 Lk
Short Term Provisions	7.95 Lk	21.84 Lk	27.09 Lk	33.14 Lk
Total Current Liabilities	23.09 Lk	41.44 Lk	52.93 Lk	69.95 Lk
Total Liabilities	10.76 Cr	11.19 Cr	11.49 Cr	12.09 Cr
Gross Block	14.56 Lk	14.56 Lk	14.98 Lk	2.47 Lk
Less: Accumulated Depreciation	13.1 Lk	13.74 Lk	14.56 Lk	2.18 Lk
Net Block	1.46 Lk	82,000	42,000	29,000
Non Current Investments	8.21 Cr	8.54 Cr	8.67 Cr	8.67 Cr
Long Term Investment	8.21 Cr	8.54 Cr	8.67 Cr	8.67 Cr
Quoted	17.4 Lk	22.44 Lk	0	0
Unquoted	8.04 Cr	8.31 Cr	8.67 Cr	8.67 Cr
Long Term Loans & Advances	1.7 Cr	1.86 Cr	1.91 Cr	1.91 Cr
Other Non Current Assets	5 Lk	5.75 Lk	5.75 Lk	21.37 Lk
Total Non-Current Assets	9.97 Cr	10.47 Cr	10.64 Cr	10.8 Cr
Unquoted	8.04 Cr	8.31 Cr	8.67 Cr	8.67 Cr
Inventories	75,567	1.03 Lk	1.06 Lk	1.49 Lk
Sundry Debtors	14.46 Lk	26.72 Lk	37.94 Lk	43.23 Lk
Debtors more than Six months	0	1.1 Lk	1.58 Lk	2.16 Lk
Debtors Others	31.97 Lk	43.13 Lk	53.87 Lk	58.58 Lk
Cash and Bank	9.77 Lk	21.2 Lk	8.04 Lk	40.4 Lk
Cash in hand	4.21 Lk	4.2 Lk	4.14 Lk	4.75 Lk
Balances at Bank	5.56 Lk	17 Lk	3.9 Lk	35.65 Lk
Other Current Assets	53.41 Lk	22.37 Lk	37.94 Lk	44 Lk
Interest accrued on Investments	12.76 Lk	21.04 Lk	30.4 Lk	39.58 Lk
Prepaid Expenses	4.65 Lk	1.33 Lk	7.54 Lk	4.42 Lk
Short Term Loans and Advances	2,870	64,000	0	13,000
Advances recoverable in cash or in kind	0	58,000	0	0
Total Current Assets	78.43 Lk	71.96 Lk	84.98 Lk	1.29 Cr
Net Current Assets (Including Current Investments)	55.34 Lk	30.52 Lk	32.05 Lk	59.3 Lk
Total Assets	10.76 Cr	11.19 Cr	11.49 Cr	12.09 Cr
Book Value	22.84	23.63	24.32	25.35
Adjusted Book Value	22.84	23.63	24.32	25.35

STANDALONE BALANCE SHEET FOR V.B.DESAI FINANCIAL SERVICES LTD

YEAR	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Share Capital	4.54 Cr	4.54 Cr	4.54 Cr	4.54 Cr
Equity - Authorised	5 Cr	5 Cr	5 Cr	5 Cr
Equity - Issued	4.55 Cr	4.55 Cr	4.55 Cr	4.55 Cr
Equity Paid Up	4.53 Cr	4.53 Cr	4.53 Cr	4.53 Cr
Equity Shares Forfeited	1.02 Lk	1.02 Lk	1.02 Lk	1.02 Lk
Face Value	10	10	10	10
Total Reserves	5.81 Cr	6.17 Cr	6.48 Cr	6.95 Cr
Securities Premium	2.13 Cr	2.13 Cr	2.13 Cr	2.13 Cr
Profit & Loss Account Balance	3.69 Cr	4.04 Cr	4.35 Cr	4.82 Cr
Reserve excluding Revaluation Reserve	5.81 Cr	6.17 Cr	6.48 Cr	6.95 Cr
Shareholder's Funds	10.35 Cr	10.71 Cr	11.02 Cr	11.49 Cr
Deferred Tax Assets / Liabilities	-10.55 Lk	-11.3 Lk	-8.99 Lk	-9.56 Lk
Deferred Tax Assets	10.55 Lk	11.3 Lk	8.99 Lk	9.56 Lk
Long Term Provisions	27.92 Lk	17.58 Lk	3.02 Lk	0
Total Non-Current Liabilities	17.37 Lk	6.28 Lk	-5.97 Lk	-9.56 Lk
Trade Payables	12.75 Lk	16.09 Lk	21.44 Lk	31.52 Lk
Sundry Creditors	12.75 Lk	16.09 Lk	21.44 Lk	31.52 Lk
Other Current Liabilities	2.38 Lk	3.51 Lk	4.4 Lk	5.29 Lk
Short Term Provisions	7.95 Lk	21.84 Lk	27.09 Lk	33.14 Lk
Total Current Liabilities	23.09 Lk	41.44 Lk	52.93 Lk	69.95 Lk
Total Liabilities	10.76 Cr	11.19 Cr	11.49 Cr	12.09 Cr
Gross Block	14.56 Lk	14.56 Lk	14.98 Lk	2.47 Lk
Less: Accumulated Depreciation	13.1 Lk	13.74 Lk	14.56 Lk	2.18 Lk
Net Block	1.46 Lk	82,000	42,000	29,000
Non Current Investments	8.21 Cr	8.54 Cr	8.67 Cr	8.67 Cr
Long Term Investment	8.21 Cr	8.54 Cr	8.67 Cr	8.67 Cr
Quoted	17.4 Lk	22.44 Lk	0	0
Unquoted	8.04 Cr	8.31 Cr	8.67 Cr	8.67 Cr
Long Term Loans & Advances	1.7 Cr	1.86 Cr	1.91 Cr	1.91 Cr
Other Non Current Assets	5 Lk	5.75 Lk	5.75 Lk	21.37 Lk
Total Non-Current Assets	9.97 Cr	10.47 Cr	10.64 Cr	10.8 Cr
Unquoted	8.04 Cr	8.31 Cr	8.67 Cr	8.67 Cr
Inventories	75,567	1.03 Lk	1.06 Lk	1.49 Lk
Sundry Debtors	14.46 Lk	26.72 Lk	37.94 Lk	43.23 Lk
Debtors more than Six months	0	1.1 Lk	1.58 Lk	2.16 Lk
Debtors Others	31.97 Lk	43.13 Lk	53.87 Lk	58.58 Lk
Cash and Bank	9.77 Lk	21.2 Lk	8.04 Lk	40.4 Lk
Cash in hand	4.21 Lk	4.2 Lk	4.14 Lk	4.75 Lk
Balances at Bank	5.56 Lk	17 Lk	3.9 Lk	35.65 Lk
Other Current Assets	53.41 Lk	22.37 Lk	37.94 Lk	44 Lk
Interest accrued on Investments	12.76 Lk	21.04 Lk	30.4 Lk	39.58 Lk
Prepaid Expenses	4.65 Lk	1.33 Lk	7.54 Lk	4.42 Lk
Short Term Loans and Advances	2,870	64,000	0	13,000
Advances recoverable in cash or in kind	0	58,000	0	0
Total Current Assets	78.43 Lk	71.96 Lk	84.98 Lk	1.29 Cr
Net Current Assets (Including Current Investments)	55.34 Lk	30.52 Lk	32.05 Lk	59.3 Lk
Total Assets	10.76 Cr	11.19 Cr	11.49 Cr	12.09 Cr
Book Value	22.84	23.63	24.32	25.35
Adjusted Book Value	22.84	23.63	24.32	25.35

Consolidated Standalone

FINANCIAL RATIOS (CONSOLIDATED) FOR V.B.DESAI FINANCIAL SERVICES LTD

YEAR	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Operational & Financial Ratios
Earnings Per Share (Rs)	0.43	0.79	0.68	1.03
CEPS(Rs)	0.44	0.81	0.7	1.03
Book NAV/Share(Rs)	22.84	23.63	24.32	25.35
Tax Rate(%)	38.88	26.5	30.26	24.56
Margin Ratios
Core EBITDA Margin(%)	8.98	12.77	6.78	14.07
EBIT Margin(%)	15.77	18.35	17.87	19.85
Pre Tax Margin(%)	15.77	18.35	17.87	19.85
PAT Margin (%)	9.64	13.49	12.46	14.98
Cash Profit Margin (%)	9.96	13.73	12.79	15.02
Performance Ratios
ROA(%)	1.82	3.27	2.73	3.96
ROE(%)	1.89	3.41	2.85	4.16
ROCE(%)	3.1	4.63	4.09	5.5
Asset Turnover(x)	0.19	0.24	0.22	0.26
Sales/Fixed Asset(x)	13.83	18.25	16.83	126.3
Working Capital/Sales(x)	3.64	8.71	7.75	5.26
Efficiency Ratios
Fixed Capital/Sales(x)	0.07	0.05	0.06	0.01
Receivable days	29.64	28.28	47.48	47.48
Inventory Days	1.27	1.23	1.53	1.49
Valuation Parameters
PER(x)	7.93	15.6	12.54	16.09
PCE(x)	7.68	15.32	12.22	16.04
Price/Book(x)	0.15	0.52	0.35	0.65
EV/Net Sales(x)	0.72	2.02	1.53	2.28
EV/Core EBITDA(x)	4.45	10.89	8.41	11.46
EV/EBIT(x)	4.54	11.03	8.57	11.48
EV/CE(x)	0.13	0.48	0.33	0.62
M Cap / Sales	0.76	2.1	1.56	2.41
Growth Ratio
Net Sales Growth(%)	-19.04	31.96	-6.47	25.53
Core EBITDA Growth(%)	-56	52.45	-8.46	37.21
EBIT Growth(%)	-55.38	53.53	-8.92	39.45
PAT Growth(%)	-67.17	84.65	-13.59	50.86
EPS Growth(%)	-67.17	84.63	-13.58	50.85
Financial Stability Ratios
Current Ratio(x)	3.4	1.74	1.61	1.85
Quick Ratio(x)	3.36	1.71	1.59	1.83

FINANCIAL RATIOS (STANDALONE) FOR V.B.DESAI FINANCIAL SERVICES LTD

YEAR	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Operational & Financial Ratios
Earnings Per Share (Rs)	0.43	0.79	0.68	1.03
CEPS(Rs)	0.44	0.81	0.7	1.03
Book NAV/Share(Rs)	22.84	23.63	24.32	25.35
Tax Rate(%)	38.88	26.5	30.26	24.56
Margin Ratios
Core EBITDA Margin(%)	8.98	12.77	6.78	14.07
EBIT Margin(%)	15.77	18.35	17.87	19.85
Pre Tax Margin(%)	15.77	18.35	17.87	19.85
PAT Margin (%)	9.64	13.49	12.46	14.98
Cash Profit Margin (%)	9.96	13.73	12.79	15.02
Performance Ratios
ROA(%)	1.82	3.27	2.73	3.96
ROE(%)	1.89	3.41	2.85	4.16
ROCE(%)	3.1	4.63	4.09	5.5
Asset Turnover(x)	0.19	0.24	0.22	0.26
Sales/Fixed Asset(x)	13.83	18.25	16.83	126.3
Working Capital/Sales(x)	3.64	8.71	7.75	5.26
Efficiency Ratios
Fixed Capital/Sales(x)	0.07	0.05	0.06	0.01
Receivable days	29.64	28.28	47.48	47.48
Inventory Days	1.27	1.23	1.53	1.49
Valuation Parameters
PER(x)	7.93	15.6	12.54	16.09
PCE(x)	7.68	15.32	12.22	16.04
Price/Book(x)	0.15	0.52	0.35	0.65
EV/Net Sales(x)	0.72	2.02	1.53	2.28
EV/Core EBITDA(x)	4.45	10.89	8.41	11.46
EV/EBIT(x)	4.54	11.03	8.57	11.48
EV/CE(x)	0.13	0.48	0.33	0.62
M Cap / Sales	0.76	2.1	1.56	2.41
Growth Ratio
Net Sales Growth(%)	-19.04	31.96	-6.47	25.53
Core EBITDA Growth(%)	-56	52.45	-8.46	37.21
EBIT Growth(%)	-55.38	53.53	-8.92	39.45
PAT Growth(%)	-67.17	84.65	-13.59	50.86
EPS Growth(%)	-67.17	84.63	-13.58	50.85
Financial Stability Ratios
Current Ratio(x)	3.4	1.74	1.61	1.85
Quick Ratio(x)	3.36	1.71	1.59	1.83

SHARE HOLDING PATTERN FOR V.B.DESAI FINANCIAL SERVICES LTD

Date	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoters %	42.06	42.07	42.27	42.27	42.27	42.27	42.27	42.27	42.27	42.27
FII %	1.11	1.11	1.11	1.11	1.11	1.11	1.11	1.11	1.11	1.11
DII %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Public %	56.83	56.82	56.62	56.62	56.62	56.62	56.62	56.62	56.62	56.62

PEER COMPARISON FOR V.B.DESAI FINANCIAL SERVICES LTD

No.	Name
1	Max India Limited
2	IIFL Securities Limited
3	Centrum Capital Limited
4	Sundaram Finance Holdings Limited
5	Cholamandalam Financial Holdings Limited
6	Ganges Securities Limited
7	Palash Securities Limited
8	Mask Investments Limited
9	Naga Dhunseri Group Limited
10	Max Ventures and Industries Limited
11	Pilani Investment and Industries Corporation Limited
12	Jindal Poly Investment and Finance Company Limited
13	Indo Thai Securities Limited
14	Onelife Capital Advisors Limited
15	Dhunseri Investments Limited
16	Stel Holdings Limited
17	Kalyani Investment Company Limited
18	BF Investment Limited
19	Capri Global Capital Limited
20	Welspun Investments and Commercials Limited
21	Bajaj Finserv Limited
22	Religare Enterprises Limited
23	JM Financial Limited
24	JSW Holdings Limited
25	IIFL Finance Limited
26	Nalwa Sons Investments Limited
27	Times Guaranty Limited
28	IL&FS Investment Managers Limited
29	Maha Rashtra Apex Corporation Limited
30	Rane Holdings Limited
31	Oswal Greentech Limited
32	Keynote Financial Services Limited
33	3P Land Holdings Limited
34	VLS Finance Limited
35	21st Century Management Services Limited
36	Utique Enterprises Ltd
37	AUTORIDERS FINANCE LTD
38	Goldcrest Corporation Limited
39	LKP Finance Limited
40	V.B.DESAI FINANCIAL SERVICES LTD
41	APPLE CREDIT CORPORATION LTD
42	ATN INTERNATIONAL LTD
43	Veerhealth Care Limited
44	PAN INDIA CORPORATION LTD
45	SOM DATT FINANCE CORPORATION LTD
46	ARAVALI SECURITIES & FINANCE LTD
47	SILICON VALLEY INFOTECH LTD
48	Blue Chip India Limited
49	Wealth First Portfolio Managers Limited

CORPORATE ACTIONS FOR V.B.DESAI FINANCIAL

Exchange Date	Purpose	Book Closure Dates
BSE 09-Oct-2024	Board Meeting - Quarterly Results	18-Oct-2024
BSE 09-Aug-2024	Book Closure - A.G.M.	09-Sep-2024 12-Sep-2024
BSE 09-Aug-2024	AGM - A.G.M.	12-Sep-2024 12-Sep-2024
BSE 12-Jul-2024	Board Meeting - Quarterly Results	25-Jul-2024
BSE 07-May-2024	Board Meeting - Quarterly Results & Audited Results	21-May-2024
BSE 09-Jan-2024	Board Meeting - Quarterly Results	18-Jan-2024
BSE 25-Oct-2023	Board Meeting - Quarterly Results	07-Nov-2023
BSE 31-Jul-2023	Book Closure - A.G.M.	01-Sep-2023 06-Sep-2023
BSE 31-Jul-2023	AGM - A.G.M.	07-Sep-2023 06-Sep-2023
BSE 04-Jul-2023	Board Meeting - Quarterly Results	13-Jul-2023
BSE 10-May-2023	Board Meeting - Audited Results	22-May-2023
BSE 19-Jan-2023	Board Meeting - Quarterly Results	02-Feb-2023
BSE 31-Oct-2022	Board Meeting - Quarterly Results	10-Nov-2022
BSE 01-Aug-2022	Board Meeting - Quarterly Results	12-Aug-2022
BSE 01-Aug-2022	Book Closure - A.G.M.	12-Aug-2022 12-Aug-2022
BSE 28-Jul-2022	AGM - With reference to the above, we enclose herewith the copy of the Notice for convening 36th Annual General Meeting of the Company, which will be held on Friday,August 12, 2022 at 11.30 a.m through Video Conferencing (VC)/Other Audio Visual Means (OAVM). This information will also be made available on the Company''swebsite, at www.vbdesai.com under subheading of shareholder information.	12-Aug-2022
BSE 11-May-2022	Board Meeting - Audited Results	20-May-2022
BSE 19-Jan-2022	Board Meeting - Quarterly Results	03-Feb-2022
BSE 20-Oct-2021	Board Meeting - Quarterly Results	29-Oct-2021

CORPORATE ANNOUNCEMENTS FOR V.B.DESAI FINANCIAL

Exchange Date	Category File	Description
BSE 18-Oct-2024	Outcome FILE	Un-Audited Financial Results As On 30Th September 2024 Submitting the un-audited financial results for the quarter ended on 30th September 2024 approved by the Board of Directors at their meeting held on 18th October 2024.
BSE 18-Oct-2024	Outcome FILE	Board Meeting Outcome for Outcome Of Board Meeting Held On 18Th October 2024 The Board of Directors at their meeting held on 18th October 2024 approved the un-audited financial results of the Company for the quarter ended on 30th September 2024.
BSE 16-Oct-2024	General Announcements FILE	Reply To The Clarification Sought On Price Movement We submit as per attachment our reply to the clarification sought on price movement of our Companys shares.
BSE 15-Oct-2024	General -	Clarification sought from V B Desai Financial Services Ltd The Exchange has sought clarification from V B Desai Financial Services Ltd on October 15 2024 with reference to significant movement in price in order to ensure that investors have latest relevant information about the company and to inform the market so that the interest of the investors is safeguarded.The reply is awaited.
BSE 09-Oct-2024	Intimation FILE	Board Meeting Intimation for Board Meeting On 18Th October 2024 To Approve Unaudited Financial Results For The Quarter Ended On 30Th September 2024 V.B.DESAI FINANCIAL SERVICES LTD.has informed BSE that the meeting of the Board of Directors of the Company is scheduled on 18/10/2024 inter alia to consider and approve A meeting of the Board of Directors of the Company will be held on Friday the 18th October 2024 to consider and approve unaudited financial results for the quarter ended on 30th September 2024.
BSE 03-Oct-2024	General Announcements FILE	Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018 Compliance certificate under Regulation 74(5) of SEBI (DP) Regulations for the quarter ended on 30th September 2024 is attached herewith.
BSE 27-Sep-2024	Intimation FILE	Closure of Trading Window The trading window for purchase and sale of shares of the Company by the Designated Persons shall be closed with effect from October 01 2024 till 48 hours of approval of un-audited financial results for the quarter ending on 30th September 2024. The date of Board Meeting shall be intimated separately.
BSE 13-Sep-2024	Outcome FILE	Shareholder Meeting / Postal Ballot-Scrutinizer''s Report The Scrutinizers Report for the e-voting held is attached herewith.
BSE 13-Sep-2024	Outcome FILE	Shareholder Meeting / Postal Ballot-Outcome of AGM The outcome of the AGM is attached herewith.
BSE 16-Aug-2024	Intimation FILE	Notice Of AGM For FY 2023-24 The Notice of the 38th AGM of shareholders for the FY 2023-24 is attached herewith.
BSE 16-Aug-2024	General Announcements FILE	Reg. 34 (1) Annual Report. The 38th Annual Report for the Financial Year 2023-24 is attached herewith.
BSE 08-Aug-2024	Intimation FILE	Book Closure For AGM The Register of Members will be closed from September 09 2024 to September 12 2024 for the purpose of 38th Annual General Meeting to be held on Friday September 13 2024.
BSE 25-Jul-2024	General Announcements FILE	Announcement under Regulation 30 (LODR)-Change in Directorate The Board of Directors at their meeting held on 25th July 2024 re-appointed Mr. Nilesh R Doshi Non-Executive Independent Director for further five years and Mr. Sagar Yadav Non-Executive Independent Director for five years subject to approval of members in the ensuing Annual General Meeting. The details as required under SEBI (LODR) and circulars is attached herewith.
BSE 25-Jul-2024	Outcome FILE	Un-Audited Financial Results For The Quarter Ended On 30Th June 2024 Submitting the un-audited financial results for the quarter ended on 30th June 2024 duly approved by the Board of Directors at their meeting held on 25th July 2024 along with Limited Review Report issued by the Auditors of the Company.
BSE 25-Jul-2024	Outcome FILE	Board Meeting Outcome for Outcome Of Board Meeting Held On 25Th July 2024 The outcome of the Board Meeting held on 25th July 2024 is given as per submission attached.
BSE 12-Jul-2024	Intimation FILE	Board Meeting Intimation for Board Meeting On 25Th July 2024 To Consider And Approve Un-Audited Financial Results For The Quarter Ended On 30Th June 2024. V.B.DESAI FINANCIAL SERVICES LTD.has informed BSE that the meeting of the Board of Directors of the Company is scheduled on 25/07/2024 inter alia to consider and approve A meeting of the Board of Directors will be held on Thursday the 25th July 2024 to consider and approve un-audited financial results of the Company for the quarter ended on 30th June 2024.
BSE 03-Jul-2024	General Announcements FILE	Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018 In compliance with Regulation 74(5) of SEBI (Depositories and Participants) Regulations submitting the certificate dated July 01 2024 received from Purva Sharegistry (I) Pvt. Ltd. the Registrar and Transfer Agents for the quarter ended on 30th June 2024.
BSE 28-Jun-2024	Intimation FILE	Closure of Trading Window In accordance with Code of Conduct to Regulate Monitor and Report by Designated Persons for trading in Companys Shares the Trading Window will be closed from 1st July 2024 till 48 hours after declaration of un-audited financial results for the quarter ending on 30th June 2024.
BSE 21-May-2024	Outcome FILE	Audited Financial Results For The Quarter And Year Ended On 31St March 2024 The Board of Directors at their meeting held on 21st May 2024 approved the audited financial results of the Company for the quarter and year ended on 31st March 2024.The Auditors have given unmodified opinion on financial results in terms of Regulation 33(3)(d) of SEBI (LODR) Regulations.
BSE 21-May-2024	Outcome FILE	Board Meeting Outcome for Outcome Of Board Meeting Financial Results The Board of Directors at their meeting held on 21st May 2024 approved the audited standalone financial results of the Company for the quarter and year ended an 31st March 2024. In terms of Regulation 33(3)(d) of SEBI (LODR) Regulations the Auditors have given unmodified opinion of the financial results.
BSE 07-May-2024	Intimation FILE	Board Meeting Intimation for Notice Of Board Meeting Under Regulation 29 Of SEBI (LODR) Regulations V.B.DESAI FINANCIAL SERVICES LTD.has informed BSE that the meeting of the Board of Directors of the Company is scheduled on 21/05/2024 inter alia to consider and approve We hereby to inform you that a meeting of the Board of Directors of the Company will be held on Tuesday the 21st May 2024 to approve audited Financial Results for the quarter and year ended on 31st March 2024 and to consider any other matters with the permission of the Chairman.
BSE 03-May-2024	Compliance FILE	Compliances-Reg.24(A)-Annual Secretarial Compliance The certificate for non applicability of Regulation 24A of SEBI (LODR) Regulations is attached as the paid up capital of our Company is less than Rs. 10 crores and Net worth is less than Rs. 25 crores.
BSE 20-Apr-2024	Compliance FILE	40(9) Certificate For The Year Ended On 31St March 2024 Submitting the certificate under Regulation 40(9) of SEBI (ICDR) Regulations issued by Hariharan and Associates practicing Company Secretaries for the year ended on 31st March 2024.
BSE 03-Apr-2024	Compliance FILE	Compliance Certificate For The Year Ended 31St March 2024 We submit the compliance certificate under Regulation 7(3) of SEBI (LODR) Regulations 2015 for the year ended on 31st March 2024.
BSE 03-Apr-2024	General Announcements FILE	Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018 In compliance with Regulation 74(5) of SEBI (DP) Regulations 2018 submitting Certificate dated April 01 2024 received from Registrar & Transfer Agents viz. Purva Sharegistry Private Limited for the quarter ended on 31st March 2024.
BSE 28-Mar-2024	Intimation FILE	Closure of Trading Window In accordance with the Code of Conduct to Regulate Monitor and Report Trading by Designated Persons for trading in Companys Shares the Trading Window will be closed from 1st April 2024 till 48 hours after the declaration of audited financial results of the Company for the quarter ending on 31st March 2024. The date of the Board Meeting will be intimated separately.
BSE 18-Jan-2024	Outcome FILE	Unaudited Financial Results For The Quarter Ended On 31St December 2023 The Board of Directors at their meeting held on 18th January 2024 transacted and approved the unaudited financial results for the quarter ended on 31st December 2023 with Limited Audit Report issued by the Auditors of the Company which is attached herewith.
BSE 18-Jan-2024	Outcome FILE	Board Meeting Outcome for Outcome Of Board Meeting We submit the un-audited financial results for the quarter ended on 31st December 2023 approved by the Board of Directors at their meeting held on 18th January 2024 with Limited Audit Report issued by the Auditors of the Company.
BSE 09-Jan-2024	Intimation FILE	Board Meeting Intimation for Board Meeting On 18Th January 2024 To Consider And Approve Unaudited Financial Results For The Quarter Ended On 31St December 2023. V.B.DESAI FINANCIAL SERVICES LTD.has informed BSE that the meeting of the Board of Directors of the Company is scheduled on 18/01/2024 inter alia to consider and approve This is to inform you that a meeting of the Board of Directors will be held on Thursday the 18th January 2024 to consider and approve unaudited financial results for the quarter ended on 31st December 2023.
BSE 03-Jan-2024	General Announcements FILE	Reply To The Clarification Sought. We are in receipt of your email No: L/SURV/ONL/PV/KS/2023-2024 dated 2nd January 2024. Detailed reply to the clarification sought on the price movement is attached herewith.

Exchange Dates	Activity	Qty & Price (%)	Person / Organisation
No Insider trading details found

BULK BLOCK DEALS FOR V.B.DESAI FINANCIAL SERVICES LTD

Exchange Dates	Activity	Qty & Price (%)	Person / Organisation
No Bulk Block details found

DIVIDEND BY V.B.DESAI FINANCIAL SERVICES LTD

No dividend details found

SPLIT / BONUS BY V.B.DESAI FINANCIAL SERVICES LTD

No Split / Bonus details found

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V.B.DESAI FINANCIAL SERVICES LTD

V.B.DESAI FINANCIAL share price

CONSOLIDATED QUARTERLY RESULT FOR V.B.DESAI FINANCIAL SERVICES LTD

STANDALONE QUARTERLY RESULT FOR V.B.DESAI FINANCIAL SERVICES LTD

CONSOLIDATED ANNUAL RESULT FOR V.B.DESAI FINANCIAL SERVICES LTD

STANDALONE ANNUAL RESULT FOR V.B.DESAI FINANCIAL SERVICES LTD

CONSOLIDATED PROFIT / LOSS FOR V.B.DESAI FINANCIAL SERVICES LTD

STANDALONE PROFIT / LOSS FOR V.B.DESAI FINANCIAL SERVICES LTD

CONSOLIDATED CASH FLOW FOR V.B.DESAI FINANCIAL SERVICES LTD

STANDALONE CASH FLOW FOR V.B.DESAI FINANCIAL SERVICES LTD

CONSOLIDATED BALANCE SHEET FOR V.B.DESAI FINANCIAL SERVICES LTD

STANDALONE BALANCE SHEET FOR V.B.DESAI FINANCIAL SERVICES LTD

FINANCIAL RATIOS (CONSOLIDATED) FOR V.B.DESAI FINANCIAL SERVICES LTD

FINANCIAL RATIOS (STANDALONE) FOR V.B.DESAI FINANCIAL SERVICES LTD

SHARE HOLDING PATTERN FOR V.B.DESAI FINANCIAL SERVICES LTD

PEER COMPARISON FOR V.B.DESAI FINANCIAL SERVICES LTD

CORPORATE ACTIONS FOR V.B.DESAI FINANCIAL

CORPORATE ANNOUNCEMENTS FOR V.B.DESAI FINANCIAL

INSIDER TRADING FOR V.B.DESAI FINANCIAL

BULK BLOCK DEALS FOR V.B.DESAI FINANCIAL SERVICES LTD

DIVIDEND BY V.B.DESAI FINANCIAL SERVICES LTD

SPLIT / BONUS BY V.B.DESAI FINANCIAL SERVICES LTD