Skip to content
Saraswati Commercial logo

Saraswati Commercial

ZSARACOM NSE
₹9,390.00 unchanged 0.00 (0.00%)
Market Cap
₹1,029 Cr
P/E
7.78

Saraswati Commercial (ZSARACOM) share price was ₹9,390.00 at the 28 Oct 2026 close; market capitalisation ₹1,029 Cr; P/E (TTM) 7.78; sector Financial Services. The share price fell 24.3% over the year to 28 Oct 2026 (adjusted for splits and bonuses). In the Jun 2026 quarter, revenue rose 140.0% year on year to ₹75.6 Cr and net profit rose 169.5% year on year to ₹63.6 Cr (compared with Jun 2025). Promoters held 74.88% of Saraswati Commercial in Sep 2026, unchanged from Jun 2026. Its Tapetide Score is 61/100 (Good) as of 28 Oct 2026.

Close 28 Oct 2026 ₹9,390.00 −3,287.65 −25.93% 1Y

Key Fundamentals

MicrocapFinanceFinancial Services
Market Cap
₹1,029 Cr
P/E (TTM)
7.78
EBITDA
₹115 Cr
Return on Equity
8.34%
Debt to Equity
0.02
Book Value
₹10,050.17
EPS (TTM)
₹1,207.13
52W High
₹14,499.95
52W Low
₹8,650.00

Price-based figures as of 29 Oct 2026, 09:54 IST · EPS basis: Consolidated · TTM

Peer Comparison

Financial Services › NBFC › Non Banking Financial Company (NBFC)

Bajaj Finance
₹930.0026.695,79,014 Cr4.700.66%16.53%10.71%89,874 Cr22,067 Cr
Shriram Finance
₹836.3014.811,96,785 Cr1.770.79%15.18%11.00%51,245 Cr11,318 Cr
Cholamandalam Investment
₹1,560.5023.021,33,315 Cr3.860.14%17.17%9.46%33,147 Cr5,751 Cr
Tata Capital
₹312.9524.321,32,843 Cr2.710.19%10.38%8.56%34,329 Cr5,478 Cr
Muthoot Finance
₹2,454.208.6698,528 Cr2.431.25%26.67%15.43%33,526 Cr11,457 Cr
L&T Finance
₹251.0519.7562,922 Cr2.151.14%10.64%10.11%20,742 Cr3,198 Cr
SBI Cards
₹536.0022.4351,008 Cr2.970.47%13.78%18.31%21,048 Cr2,275 Cr
Saraswati Commercial (this company)
₹9,390.007.781,029 Cr0.930.00%8.34%9.52%165 Cr133 Cr
Median 8 companies₹883.1521.091,15,686 Cr2.570.57%14.48%10.41%33,337 Cr5,615 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the live price; other metrics are as reported in filings. A dash means the figure is not published for that company. 1 company is not shown because they are not listed on an exchange we cover.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

61 Good
Overall score

Data confidence 94/100

Category scores

Quality Good 64
Returns, margins, earnings quality 22% weight
Valuation Average 53
Cheap vs sector & own history 24% weight
Growth Strong 99
Sales & profit trajectory 9% weight
Financial Health Strong 99
Solvency, leverage, coverage 9% weight
Momentum Poor 31
Trend strength, vol-adjusted 12% weight
Ownership Average 50
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

5
  • Company has reduced debt.
  • Company is almost debt free.
  • Stock is trading at 0.94 times its book value
  • Company is expected to give good quarter
  • Company has delivered good profit growth of 34.0% CAGR over last 5 years

Weaknesses

2
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has a low return on equity of 10.4% over last 3 years.

Technical Indicators

Oscillators

Bearish

Bearish
2
Neutral
6
Bullish
1

Overall

Bearish

Bearish
12
Neutral
6
Bullish
1

Moving Averages

Bearish

Bearish
10
Neutral
0
Bullish
0

Growth Rate

Revenue Growth
60.48% lower than 3Y

change over 1 year

Net Income Growth
72.85% lower than 3Y

change over 1 year

Cash Flow Change
—

EBITDA Margin Change
2.14%

change over 1 year

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
30
29
40
30
68
78
-45
-26
31
73
33
-16
76
Expenses
1
1
1
1
1
2
1
1
2
1
1
2
1
Financing Profit
28
28
39
29
67
77
-46
-28
29
72
30
-19
74
Fin. Margin %
96%
96%
97%
95%
98%
98%
103%
108%
93%
98%
92%
113%
98%
Other Income
0
0
0
0
0
0
0
0
0
0
0
0
0
Interest
0
0
0
1
0
0
1
1
0
1
1
1
0
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
28
28
39
29
67
77
-46
-28
29
72
30
-19
74
Tax %
14%
14%
14%
22%
22%
17%
-15%
-19%
19%
16%
18%
-13%
15%
Net Profit
24
24
33
22
52
63
-39
-23
24
60
25
-16
64
EPS (₹)
237
231
324
217
509
615
-383
-210
215
550
226
-149
580
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
99
19
11
16
9
1
28
87
24
128
75
121
165
Expenses
87
1
3
2
2
14
2
2
3
3
5
6
5
Financing Profit
8
14
5
14
7
-13
25
84
19
123
69
112
158
Fin. Margin %
8%
73%
48%
84%
80%
-959%
89%
96%
80%
96%
91%
93%
95%
Other Income
1
0
0
0
0
0
0
0
0
0
0
0
0
Interest
5
4
3
0
0
0
2
1
2
2
2
3
2
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
8
14
5
14
7
-13
25
84
19
123
69
112
158
Tax %
18%
0%
-2%
-17%
10%
-26%
14%
22%
39%
16%
22%
18%
—
Net Profit
7
14
5
16
7
-10
21
65
12
104
53
92
132
EPS (₹)
—
—
—
160
66.64
-96.01
213
630
113
1,009
487
842
1,207
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
0.64
0.64
0.64
1
1
1
1
1
1
1
1
1
Reserves
21
35
115
128
135
155
275
421
432
689
958
1,091
Borrowing
32
42
8
32
0
10
5
28
22
0
43
0
Other Liabilities
6
5
9
1
0
0
12
30
26
67
91
108
Total Liabilities
59
82
133
162
137
166
293
480
482
758
1,093
1,201
Fixed Assets
0
0
0
0
0
0
0
0
0
0
0
0
CWIP
0
0
0
0
0
0
0
0
0
0
0
0
Investments
44
51
97
119
117
135
286
465
480
749
1,069
1,080
Other Assets
16
32
36
42
20
31
7
14
2
8
25
121
Total Assets
59
82
133
162
137
166
293
480
482
758
1,093
1,201
Figures in ₹ Crores

Cash Flow

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-5
-16
-23
-6
-16
-18
-5
50
27
33
9
-114
Investing
10
20
27
8
16
16
4
-81
-22
-7
-108
139
Financing
-5
-4
-3
-3
0
9
-7
33
-7
-24
120
-45
Net Cash Flow
0
0
2
-1
0
7
-7
2
-2
2
20
-21
Free Cash Flow
-5
-16
-23
-6
-16
-18
-5
50
27
33
9
-114
Figures in ₹ Crores

Ratios

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
36%
49%
7%
13%
5%
-7%
10%
19%
3%
18%
6%
9%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Saraswati Commercial insights

46 extracted metrics + investor summaries across FY10–FY27.

Shareholding Pattern

Promot.74.88%Public8.33%Others16.79%As ofSep 2026

Documents

Frequently Asked Questions about Saraswati Commercial

What does Saraswati Commercial (India) Ltd do?
Incorporated in 1983, Saraswati Commercial (India) Ltd deals in shares and securities & lending[1]
Where is Saraswati Commercial (India) Ltd (ZSARACOM) listed?
Saraswati Commercial (India) Ltd trades as ZSARACOM on the NSE and under code 512020 on the BSE.
Which sector does Saraswati Commercial (India) Ltd belong to?
Saraswati Commercial (India) Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the market capitalisation of Saraswati Commercial (India) Ltd?
Saraswati Commercial (India) Ltd has a market capitalisation of ₹1,029 Cr as of 29 Oct 2026, which places it in the Small Cap band.
What is the PE ratio of Saraswati Commercial (India) Ltd?
Saraswati Commercial (India) Ltd trades at a PE ratio of 7.78 as of 29 Oct 2026, on earnings per share of ₹1,207.13, against a book value of ₹10,050.17 per share.
What is the 52-week high and low of Saraswati Commercial (India) Ltd?
Over the last 52 weeks Saraswati Commercial (India) Ltd has traded between ₹8,650 and ₹14,499.95 as of 29 Oct 2026.
What is the Return on Equity (ROE) of Saraswati Commercial (India) Ltd?
Saraswati Commercial (India) Ltd reported a return on equity of 8.34%. Its debt-to-equity ratio is 0.02.

Company Information

Incorporated in 1983, Saraswati Commercial (India) Ltd deals in shares and securities & lending[1]

Website saraswaticommercial.com
Listed 2026-04-20
Face Value ₹ 10
Shares Outstanding 10,95,928

For AI agents and developers

Reading this as an AI agent, LLM or automated pipeline? Every page on Tapetide is also published as clean Markdown — no navigation, no scripts, just the data. Fetch https://tapetide.com/stocks/512020.md for Saraswati Commercial (India) Ltd: company profile, latest price, key fundamentals, the Tapetide Score, growth rates, quarterly and annual financial statements, shareholding pattern, technical indicators, analyst ratings and exchange filings.

Append .md to any Tapetide URL for the same treatment. A full index of what we publish is at /llms.txt and /llms-full.txt. For live, structured queries instead of documents, use our Indian stock market MCP server.

Explore More

More NBFC & Finance stocks → FII DII DataStock ScreenerNifty 50 HeatmapF&O Ban ListFII and DII flows, month by monthHow Tapetide Scores changed, month by monthStocks mutual funds are buying, month by month