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Berar Finance Limited is a non-banking financial company (NBFC) based in India, primarily engaged in providing a variety of financial services. Below is a detailed overview of the company, its operations, and key financial metrics.Activities Berar Finance Limited is involved in various financial intermediation activities, including: Vehicle finance (two-wheeler loans, used car loans) Personal loans Loans against property MSME financing
| P&L Statement | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Interest Earned | 122 | 159 | 206 | 229 |
| Other Income | 14 | 17 | 12 | 22 |
| Interest Expended | 67 | 90 | 100 | 104 |
| Operating Expenses | 35 | 53 | 66 | 79 |
| Provisions and Contingencies | 12 | 9 | 31 | 39 |
| PAT (Profit After Tax) | 15 | 17 | 17 | 22 |
| EPS (Earnings Per Share) | 15 | 13.79 | 13.79 | 17.84 |
| Gross NPA | 2.5 | 3.1 | 4.7 | 2.81 |
| Net NPA | 1.7 | 2.2 | 3 | 2.81 |
| Financial Ratios | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Operating Profit Margin | 7.16% | 9.84 | - | - |
| Net Profit Margin | 9.92% | 7.81 | - | - |
| Earning Per Share (Diluted) | 17.92 | 17.08 | - | - |
| Assets | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Fixed Assets | 18 | 18 | 19 | 19 |
| CWIP | 170 | 139 | 121 | 139 |
| Investments | 12 | 16 | 18 | 20 |
| Trade Receivables | 659 | 819 | 922 | 1082 |
| Other Assets | 32 | 46 | 61 | 56 |
| Total Assets | 891 | 1038 | 1141 | 1316 |
| Liabilities | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Share Capital | 10 | 12.33 | 12.33 | 12.33 |
| FV | 10 | 10 | 10 | 10 |
| Reserves | 136 | 247 | 263 | 284 |
| Borrowings | 609 | 603 | 646 | 775 |
| Trade Payables | 113 | 151 | 180 | 197 |
| Other Liabilities | 23 | 24.67 | 39.67 | 47.67 |
| Total Liabilities | 891 | 1038 | 1141 | 1316 |
| Cash-Flow Statement | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| PBT | 20 | 22 | 22 | 30 |
| OPBWC | 29 | 38 | 61 | 77 |
| Change in Receivables | 0 | 0 | 0 | 0 |
| Change in Inventories | -205 | -169 | -133 | -199 |
| Change in Payables | -5 | -11 | -4 | 15 |
| Other Changes | -210 | -180 | -137 | -184 |
| Working Capital Change | -181 | -142 | -76 | -107 |
| Cash Generated From Operations | 5 | 6 | 7 | 12 |
| Tax | -186 | -148 | -83 | -119 |
| Cash Flow From Operations | -1 | -1.91 | -2 | -1.5 |
| Purchase of PPE | 0 | 0 | 0 | 0 |
| Sale of PPE | -70 | 26 | 24 | -35 |
| Cash Flow From Investment | 122 | -7 | 49 | 159 |
| Borrowing | 180 | 39 | 52 | -72 |
| Divided | -0.46 | -1 | -1.23 | -1.23 |
| Equity | 0.34 | 2.32 | 0 | 0 |
| Others From Financing | 18.12 | 91.68 | -3.77 | 14.23 |
| Cash Flow from Financing | 320 | 125 | 96 | 100 |
| Net Cash Generated | 64 | 3 | 37 | -54 |
| Cash at the Start | -21 | 43 | 46 | 52 |
| Cash at the End | 43 | 46 | 83 | -2 |
| Shareholding Pattern | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| M/s Avino Capcons Pvt Ltd | 14.87% | 12.06% | 12.06% | 12.06% |
| Mr.Maroti Jawanjar | 10.20% | 8.29% | 8.29% | 8.29% |
| Mr.Maroti Jawanjar (HU | 8.68% | 7.04% | 7.04% | 7.04% |
| Amicus Capital Private Equity I LLP | 20.06% | 17.25% | 17.25% | 17.25% |
| Maj Invest Financial Inclusion Fund III K/S | - | 16.05% | 16.05% | 16.05% |
| Others | 46.19% | 39.31% | 39.31% | 39.31% |
