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BHARAT FINANCIAL INCLUSION LIMITED

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Updated: 20 Oct 2024

Bharat Financial Inclusion Limited, is an unlisted public company incorporated on 06 August, 2018. It is classified as a public limited company and is located in Mumbai City, Maharashtra. It's authorized share capital is INR 60.00 cr and the total paid-up capital is INR 43.70 cr.

Bharat Financial Inclusion Limited's operating revenue range is Over INR 500 cr for the financial year ending on 31 March, 2023. It's EBITDA has decreased by 52.1% over the previous year. At the same time, it's book networth has increased by 14.33%.

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Industry

Finance
Products
  • Other financial activities
Key Metrics

** All rupee values in INR crores. Based on March 2024 numbers.

Sales
34.73%
₹ 2,323.9
EBITDA
-12.11%
₹ 129.3
Net Profit
-47.03%
₹ 27.2
Networth
6.39%
₹ 449.4
Borrowings
-
₹ -
Assets
-18.56%
₹ 998.5
Gross Margin
-
100.0 %
Operating Margin
-2.97
5.6 %
Net Profit Margin
-1.79
1.2 %
Return on Equity
-6.09
6.0 %
ROCE
-14.24
10.7 %
Debt to Equity
-
0.0
Sales
Mar 2024
Net worth
Mar 2024

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Locations

indian flag India (286)
State Type Address

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Tofler Score

Very Good
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Poor
Fair
Good
Very Good
Excellent

Risk

Severe Risk
  • No risks identified
Moderate Risk
  • RECEIVABLES DETERIORATING
  • CASH DETERIORATING
Low Risk
  • EBITDA MARGINS DETERIORATING
  • NET MARGIN DETERIORATING
  • ROCE DETERIORATING
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Tofler Score measures the quality of performance and integrity of a company. It is dependent on three key factors - Sustainability, Governance, and Growth.

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Financial Highlights

** All numbers in INR crores
Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Sales 880.3 1,310.2 1,622.4 1,724.8 2,323.9
Operating profit 67.7 221.0 307.1 147.1 129.3
Net profit 40.0 153.5 180.5 51.3 27.2
Gross margin 100.0 100.0 100.0 100.0 100.0
Operating margin 7.7 16.9 18.9 8.5 5.6
Net margin 4.5 11.7 11.0 3.0 1.2
Networth 83.0 176.5 369.5 422.4 449.4
Borrowings - - - - -
Assets 346.2 1,008.8 1,012.0 1,225.9 998.5
Debt to equity 0.0 0.0 0.0 0.0 0.0
Current ratio 0.9 1.0 1.4 1.2 1.3
ROE 48.1 87.0 48.9 12.1 6.0
Days payable - - - - -
WC days -13.0 -4.0 51.0 34.0 24.0
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Margins

Gross margin
Operating margin
Net margin

Balance Sheet

₹
%
** All numbers in INR crores
Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 43.7 43.7 43.7 43.7 43.7
Reserves 39.3 132.8 325.8 378.7 405.7
Borrowings + - - - - -
Long term borrowings - - - - -
Short term borrowings - - - - -
Trade payables + - - - - -
Days payable - - - - -
Other liabilities + 263.2 832.3 642.5 803.5 549.0
Other non-current liabilities 17.8 35.1 41.5 36.4 72.5
Other current liabilities 245.3 797.2 601.0 767.1 476.5
Total liabilities 346.2 1,008.8 1,012.0 1,225.9 998.5
Fixed Assets + 50.8 66.4 80.1 86.3 126.3
Tangible assets 42.3 58.2 73.7 83.6 123.6
CWIP 0.8 - - - -
Intangible assets 7.6 8.2 6.3 2.7 2.7
LT loans and advances 74.5 - - - -
Other non-current assets 7.2 158.8 102.4 213.3 245.7
Current assets + 213.7 783.6 829.6 926.3 626.5
Inventories - - - - -
Trade receivables 0.2 - 0.4 - 222.4
Cash and cash equivalents 63.3 617.5 642.1 583.6 313.0
ST loans and advances 37.7 - - - -
Other current assets 112.5 166.1 187.1 342.8 91.0
Total assets 346.2 1,008.8 1,012.0 1,225.9 998.5
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Total assets

Profit & Loss

₹
%
** All numbers in INR crores
Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Sales + 880.3 1,310.2 1,622.4 1,724.8 2,323.9
Sales growth % None 48.84 23.82 6.32 34.73
Expenses + 825.5 1,111.4 1,390.2 1,665.3 2,297.6
Cost of goods - - - - -
Employee cost 625.6 841.3 1,016.6 1,173.8 1,519.7
Other costs 187.0 247.8 298.7 403.9 674.9
Operating profit + 67.7 221.0 307.1 147.1 129.3
Operating margin % 7.7 16.9 18.9 8.5 5.6
Other income 1.4 6.5 15.1 11.0 11.4
Interest - - 1.6 1.7 3.3
Depreciation 13.0 22.2 73.4 85.8 99.7
Exceptional items - - - - -
Profit before tax 56.1 205.3 247.2 70.5 37.7
Tax 16.2 51.8 66.8 19.3 10.5
Profit - disc. ops - - - - -
Net profit 40.0 153.5 180.5 51.3 27.2
Net margin % 4.5 11.7 11.0 3.0 1.2
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Revenue from operations

Ratios

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Solvency +
Total Debt/Equity 0.0 0.0 0.0 0.0 0.0
Net Debt/Equity 0.0 0.0 0.0 0.0 0.0
Total Debt/Assets 0.0 0.0 0.0 0.0 0.0
Total Assets/Equity 4.2 5.7 2.7 2.9 2.2
Liquidity +
Current Ratio 0.9 1.0 1.4 1.2 1.3
Quick Ratio 0.9 1.0 1.4 1.2 1.3
Interest Coverage - - 198.1 85.0 39.2
Performance
Gross Margin 100.0 100.0 100.0 100.0 100.0
Operating Margin 7.7 16.9 18.9 8.5 5.6
Net Margin 4.5 11.7 11.0 3.0 1.2
Return +
Return on Equity 48.1 87.0 48.9 12.1 6.0
Pre-tax ROCE 285.9 376.2 75.7 24.9 10.7
Return on Assets 11.5 15.2 17.8 4.2 2.7
Pre-tax ROIC 65.9 112.6 63.2 14.5 6.6
Efficiency +
Days Payable - - - - -
Days Inventory - - - - -
Days Receivable 0.0 0.0 0.0 0.0 35.0
Fixed Asset Turnover 17.3 19.7 20.3 20.0 18.4
Total Asset Turnover 2.5 1.3 1.6 1.4 2.3
Working Capital
Cash Conversion Cycle 0.0 0.0 0.0 0.0 35.0
Working Capital Days -13.0 -4.0 51.0 34.0 24.0
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Ratios

Current ratio
Debt/equity ratio

Charges on assets

As per information available, the company has no registered charges.

People

Designation Name DIN/PAN Tenure
Director Sumant Kathpalia
Shareholder
01054434 5 years
Director Vivek Bajpeyi 02349436 2 years
Additional Director Anil Marco Rao
Shareholder
06395743 2 years
Director Kandikuppa Subrahmanyam 06576376 3 years
Director Sanjeev Anand
Shareholder
07074653 7 years
CFO Vijay Dube Ramprakash <HIDDEN> 2 years
Director Jayant Vasudeo Deshmukh 08697679 1 years
Whole-time Director Jayaraman Sridharan
Shareholder
09420031 3 years
CS Viraigari Ravi Kumar Reddy <HIDDEN> 6 years

Company Network

Companies connected through Directors

Name Status Paid up Capital Common Directors Address
AKS REALBUILD PRIVATE LIMITED
Strike Off
1.0 L 2 Delhi
INDUSIND BANK LTD.
Active
779.0 Cr 2 Maharashtra
SAMHITA COMMUNITY DEVELOPMENT SERVICES
Active
1.0 L 1 Madhya Pradesh
CASHPOR MICRO CREDIT
Active
5.4 Cr 1 Uttar Pradesh
PARANDA BHOOM AGRO PRODUCER COMPANY LIMITED
Active
1.0 L 1 Maharashtra

Registered Details

CIN

U65999MH2018PLC312539

PAN

AAECI9566Q

Incorporation

2018, 6.7 years

Company Email

info@bfil.co.in

Paid up Capital

₹ 43.7 Cr

Authorised Capital

₹ 60.0 Cr

AGM

Jul 2024

Type

Public
Non-government Company

FAQ - BHARAT FINANCIAL INCLUSION LIMITED

What is the incorporation date of BHARAT FINANCIAL INCLUSION LIMITED?

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The incorporation date of BHARAT FINANCIAL INCLUSION LIMITED is 06 August, 2018

What is the authorized share capital of BHARAT FINANCIAL INCLUSION LIMITED?

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The authorized share capital of BHARAT FINANCIAL INCLUSION LIMITED is INR ₹ 60.0 Cr.

What is the paid-up capital of BHARAT FINANCIAL INCLUSION LIMITED?

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The paid-up capital of BHARAT FINANCIAL INCLUSION LIMITED is INR ₹ 43.7 Cr.

What is the registered address of BHARAT FINANCIAL INCLUSION LIMITED?

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The registered address of BHARAT FINANCIAL INCLUSION LIMITED is One World Centre, Tower 1, Floor 8, 841, Senapati Bapat Ma rg, Elphinstone NA Mumbai Mumbai City Maharashtra - 400013

What is the CIN number of BHARAT FINANCIAL INCLUSION LIMITED?

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The CIN number of BHARAT FINANCIAL INCLUSION LIMITED is U65999MH2018PLC312539.

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