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Saraswati Commercial (India) Ltd
ZSARACOM NSE
Saraswati Commercial (India) Ltd
Financial ServicesNSE: ZSARACOM BSE: 512020 NBFC
Key Fundamentals
MicrocapNBFCFinancial ServicesMarket Cap
₹1,406 Cr
Volatility
Moderate
P/E Ratio
15.04
EBITDA
₹115 Cr
Return on Equity
5.49%
Debt to Equity
0.03
Book Value
₹10,050.17
52W High
₹14,400
52W Low
₹9,000
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Saraswati Commercial (India) Ltd insights
36 extracted metrics + investor summaries across FY10–FY26.
Tapetide Score
Data-driven rating, 0–100. How it works →
Technical Indicators
Key Insights
Strengths
3- Company has reduced debt.
- Company is almost debt free.
- 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.
Growth Rate
Revenue Growth
60.42% ↗
Net Income Growth
84.36% ↗
Cash Flow Change
-73.50% ↘
ROE
-62.93% ↗
ROCE
-61.59% ↗
EBITDA Margin (Avg.)
2.14% ↗
Quarterly Results
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | -18 | 30 | 29 | 40 | 30 | 68 | 78 | -45 | -26 | 31 | 73 | 33 | -16 |
| Expenses | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 1 | 1 | 2 | 1 | 1 | 2 |
| Financing Profit | -20 | 28 | 28 | 39 | 29 | 67 | 77 | -46 | -28 | 29 | 72 | 30 | -19 |
| Fin. Margin % | 113% | 96% | 96% | 97% | 95% | 98% | 98% | 103% | 108% | 93% | 98% | 92% | 113% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 1 | 0 | 1 | 1 | 1 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PBT | -20 | 28 | 28 | 39 | 29 | 67 | 77 | -46 | -28 | 29 | 72 | 30 | -19 |
| Tax % | -13% | 14% | 14% | 14% | 22% | 22% | 17% | -15% | -19% | 19% | 16% | 18% | -13% |
| Net Profit | -17 | 24 | 24 | 33 | 22 | 52 | 63 | -39 | -23 | 24 | 60 | 25 | -16 |
| EPS in Rs | -169 | 237 | 231 | 324 | 217 | 509 | 615 | -383 | -210 | 215 | 550 | 226 | -149 |
Profit & Loss
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 99 | 19 | 11 | 16 | 9 | 1 | 28 | 87 | 24 | 128 | 75 | 121 |
| Expenses | 87 | 1 | 3 | 2 | 2 | 14 | 2 | 2 | 3 | 3 | 5 | 6 |
| Financing Profit | 8 | 14 | 5 | 14 | 7 | -13 | 25 | 84 | 19 | 123 | 69 | 112 |
| Fin. Margin % | 8% | 73% | 48% | 84% | 80% | -959% | 89% | 96% | 80% | 96% | 91% | 93% |
| Other Income | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 5 | 4 | 3 | 0 | 0 | 0 | 2 | 1 | 2 | 2 | 2 | 3 |
| Depreciation | 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 |
| 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 |
| EPS in Rs | — | — | — | 160 | 66.64 | -96.01 | 213 | 630 | 113 | 1,009 | 487 | 842 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Balance Sheet
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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 |
Cash Flow
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | -5 | -16 | -23 | -6 | -16 | -18 | -5 | 50 | 27 | 33 | 9 | — |
| Investing | 10 | 20 | 27 | 8 | 16 | 16 | 4 | -81 | -22 | -7 | -108 | — |
| Financing | -5 | -4 | -3 | -3 | 0 | 9 | -7 | 33 | -7 | -24 | 120 | — |
| Net Cash Flow | 0 | 0 | 2 | -1 | 0 | 7 | -7 | 2 | -2 | 2 | 20 | — |
| Free Cash Flow | -5 | -16 | -23 | -6 | -16 | -18 | -5 | 50 | 27 | 33 | 9 | — |
| CFO/OP | -31 | -79 | -282 | -35 | -199 | 136 | -19 | 68 | 186 | 36 | 33 | — |
Ratios
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 36% | 49% | 7% | 13% | 5% | -7% | 10% | 19% | 3% | 18% | 6% | 9% |
Documents
1
Clarification Sought from Saraswati Commercial India Ltd
8 Jul - Exchange has sought clarification from Saraswati Commercial India Ltd on July 8, 2026 with reference to significant movement in price, in order to ensure that … 8 Jul - Exchange has sought clarification from Saraswati Commercial India Ltd on July 8, 2026 with reference to significant movement in price, in order to ensure that …
2
Compliances-Reg.24(A)-Annual Secretarial Compliance
20 Apr - Annual Secretarial Compliance Report for FY2026 filed; no deviations, no SEBI or stock exchange action. 20 Apr - Annual Secretarial Compliance Report for FY2026 filed; no deviations, no SEBI or stock exchange action.
3
Equity Shares Of Saraswati Commercial (India) Limited Included Under The 'Permitted To Trade And Admitted To Dealings' On National Stock Exchange Of India Limited (NSE).
20 Apr - Saraswati Commercial shares admitted to NSE 'Permitted to Trade' from April 20, 2026. 20 Apr - Saraswati Commercial shares admitted to NSE 'Permitted to Trade' from April 20, 2026.
4
Compliances-Reg.24(A)-Annual Secretarial Compliance
12h - Annual Secretarial Compliance Report for FY2026 filed; no deviations, no SEBI or stock exchange action. 12h - Annual Secretarial Compliance Report for FY2026 filed; no deviations, no SEBI or stock exchange action.
5
Equity Shares Of Saraswati Commercial (India) Limited Included Under The 'Permitted To Trade And Admitted To Dealings' On National Stock Exchange Of India Limited (NSE).
8h - Saraswati Commercial shares admitted to NSE 'Permitted to Trade' from April 20, 2026. 8h - Saraswati Commercial shares admitted to NSE 'Permitted to Trade' from April 20, 2026.
Frequently Asked Questions about Saraswati Commercial (India) Ltd
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 (512020) listed?
Saraswati Commercial (India) Ltd is listed on the Indian stock exchanges. It is listed on NSE: ZSARACOM and BSE: 512020. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Saraswati Commercial (India) Ltd belong to?
Saraswati Commercial (India) Ltd operates in the Financial Services sector within the NBFC industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Saraswati Commercial (India) Ltd?
Saraswati Commercial (India) Ltd has a market capitalisation of approximately ₹1406.08 Cr. Based on this, it is classified as a Small Cap stock.
What is the PE ratio of Saraswati Commercial (India) Ltd?
The Price-to-Earnings (PE) ratio of Saraswati Commercial (India) Ltd is 15.04. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Saraswati Commercial (India) Ltd?
Over the past 52 weeks, Saraswati Commercial (India) Ltd has traded between a low of ₹9,000 and a high of ₹14,400. This range helps investors understand the stock's price volatility and recent trading levels.
What is the Return on Equity (ROE) of Saraswati Commercial (India) Ltd?
Saraswati Commercial (India) Ltd has a Return on Equity (ROE) of 5.49%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Saraswati Commercial (India) Ltd on Tapetide?
On Tapetide, you can view Saraswati Commercial (India) Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.
Company Information
Incorporated in 1983, Saraswati Commercial (India) Ltd deals in shares and securities & lending[1]
Website saraswaticommercial.com
Face Value ₹ 10