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Swing Capital

Saraswati Commercial (India) Ltd

NSE: ZSARACOM BSE: 512020Banking

Saraswati Commercial (India) Ltd (ZSARACOM) is a Banking company listed on NSE: ZSARACOM | BSE: 512020. With a market cap of ₹1,029 Cr and ROCE of 8.32%, ROE of 6.47%, it operates in the Indian Banking sector.

₹9,393
52W: ₹8650 — ₹17500
PE 12 · Book ₹9712 · -3% vs book
Market Cap₹1,029 Cr
Stock P/E12Price to Earnings
ROCE8.32%Return on Capital
ROE6.47%Return on Equity
Div. Yield0%Face Value ₹10

Strengths

  • +Company is almost debt free.
  • +Stock is trading at 1.02 times its book value
  • +Promoter holding has increased by 0.89% over last quarter.

Weaknesses

  • −Though the company is reporting repeated profits, it is not paying out dividend
  • −Company has a low return on equity of 9.31% over last 3 years.

Shareholding Pattern

Promoters74.88%
FIIs0%
DIIs0%
Public25.12%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters72.33%72.33%72.33%73.99%▲1.773.99%73.99%73.99%74.88%▲0.9
FIIs0%0%0%0%0%0%0%0%
DIIs0%0%0%0%0%0%0%0%
Public27.68%27.68%27.69%▲0.026.01%▼1.726.01%26.01%26.01%25.12%▼0.9

Financial Statements

MetricSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Sales0000000000
Expenses1111211211
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit2433225263-39-23246025
EPS ₹231.09323.53217.21509.27614.91-382.56-209.51215.17550.23225.84

AI Insights

Revenue Trend

TTM revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 0% (+0.00pp change). FIIs: 0% (+0.00pp change). Promoters hold 74.88%.

Margin & Efficiency

ROCE improving from 0% (Mar 2014) to 0% (Mar 2025). Working capital days: 0.

Valuation

PE 12x with 8.32% ROCE. Price is -3% above book value of ₹9,712. Dividend yield: 0%.

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