ZS
Saraswati Commercial (India) Ltd (ZSARACOM)
₹9,930.00
Mkt cap
₹1,140 Cr
P/E ratio
8.62
P/B
0.99
Div yield
0.00%
ROE
8.92%
ROCE
10.90%
EPS (TTM)
₹1,151.97
Book value
₹10,050
52W range
9,000–14,400
Sector
Financial Services
Price history
Previous close
Incorporated in 1983, Saraswati Commercial (India) Ltd deals in shares and securities & lending [1]
NSE ZSARACOMBSE 512020
Health check
Constructive
ValuationCheap
ProfitabilityAverage
TechnicalsNeutral
52-week range
−31.04% from high₹9,930
₹9,000+10.33% from low₹14,400
Current
₹9,930.00
Prev close
₹9,850.00
Day
+0.81%
Price performance
1D
+0.81%
1W
−0.78%
1M
−2.90%
3M
−3.94%
6M
—
1Y
—
YTD
+1.23%
Financials
Revenue, profit & margin
P/E ratio
8.6×
ZSARACOM is 56% below the sector median of 19.7×
ZSARACOM8.6×
Sector median19.7×
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 30 | 29 | 40 | 30 | 68 | 78 | -45 | -26 | 31 | 73 | 33 | -16 | 76 | |
| Interest | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 1 | 0 | 1 | 1 | 1 | 0 | |
| 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 | |
| Financing 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 | |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Profit before tax | 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 in Rs | 237.11 | 231.09 | 323.53 | 217.21 | 509.27 | 614.91 | -382.56 | -209.42 | 215.17 | 550.23 | 225.84 | -148.83 | 579.98 | |
| Gross NPA % | ||||||||||||||
| Net NPA % | ||||||||||||||
| Raw PDF |
Earnings
Results dates & reactionsNo upcoming results date on calendar.
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
No reaction history yet.
No quarterly filings ingested yet.
Corporate actions
Last 6 monthsNo recent corporate actions
Dividends, splits, and bonuses in the last six months show up here.
Shareholding
as of Jun 202674.88%Promoter
Promoters74.88%
Public25.12%
Ownership trend
Peers
8 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finance | ₹1,040.30 | 31.62 | 6,47,686 | 0.52% | 6,081 | +27.37% | 23,165 | +18.65% | 10.87% |
| Shriram Finance | ₹1,010.00 | 21.00 | 2,37,658 | 1.07% | 3,453 | +59.89% | 13,400 | +16.16% | 11.49% |
| Cholaman.Inv.&Fn | ₹1,800.00 | 26.74 | 1,53,776 | 0.11% | 1,656 | +45.56% | 8,856 | +21.87% | 9.71% |
| Tata Capital | ₹351.35 | 27.44 | 1,49,143 | 0.16% | 1,628 | +56.32% | 8,822 | +15.10% | 8.58% |
| Muthoot Finance | ₹2,841.10 | 10.03 | 1,14,061 | 1.06% | 2,825 | +38.83% | 8,672 | +34.44% | 15.80% |
| L&T Finance Ltd | ₹312.80 | 24.48 | 78,399 | 0.88% | 916 | +28.72% | 5,213 | +22.38% | 8.40% |
| SBI Cards | ₹651.15 | 27.24 | 61,966 | 0.38% | 664 | +19.51% | 5,041 | +3.36% | 10.10% |
| Saraswati Commer | ₹10,400.00 | 8.62 | 1,140 | 0.00% | 64 | +169.55% | 76 | +140.17% | 10.86% |
| Median: 100 Co. | ₹133.60 | 19.66 | 490 | 0.00% | 11 | +38.31% | 49 | +27.36% | 9.46% |
Filings
Annual reports15
Announcements5
Announcement under Regulation 30 (LODR)-Newspaper Publication 1 Sep - Newspaper Publication of Notice of 43rd Annual General Meeting & details of E- Voting of Saraswati Commercial (India) Limited.Letter To Members - Regulation 30 Of The SEBI (LODR) Regulations, 2015. 31 Aug - 43rd AGM on September 24, 2026; annual report and notice shared with shareholders.Reg. 34 (1) Annual Report. 31 AugNotice Of The 43Rd Annual General Meeting Of Saraswati
Commercial (India) Limited. 31 Aug - Notice for 43rd AGM on 24 September 2026; seeks approval for reappointment and related-party transactions up to Rs 250 crore.Announcement under Regulation 30 (LODR)-Newspaper Publication 28 Aug - Newspaper Advertisement for the 43rd Annual General Meeting of the Company to be held on Thursday, 24th September, 2026 at 2.30 P.M.