512020-BOM

Saraswati Commercial (India) Ltd.

BSE: 512020

Sector: Financial Services

Industry Group: Finance

Industry: Non Banking Financial Company (NBFC)

10,000.00-290.0 (-2.82%)

8 Oct, 12:00 AM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

51.2 / 100

Value Score

63.2 / 100

Price Momentum Score

47.9 / 100

QVM Score

55.2 / 100

Key Metrics

Market Cap

1096.00

P/E (TTM)

8.28

P/B

1.00

P/S (TTM)

6.64

EV/EBITDA

6.95

CAPE (5Y)

16.06

ROE (TTM)

8.92

ROCE (TTM)

10.63

ROA (TTM)

7.93

Avg 3Y ROE

11.22

Earnings 3Y CAGR

95.07

Sales 3Y CAGR

26.57

Sales 5Y CAGR

32.92

Debt/Equity

0.00

Consensus TP

Strong Buy %

Promoter Holding

74.88

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of Saraswati Commercial (India) Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Stock is cheap and reasonably valued with respect to the industry

PB of 1.0 indicates that the stock is cheap on a standalone basis. Discount to industry median P/B is modest at -8.26%

What is P/B Ratio?

Median: 1.09

Value 1

053.21

High and improving operating margin

The company reported strong operating margin of 95.33% for 12-month ended 30 Jun 2026 and operating margin improved by 1314 bps from 1 year ago

What is Operating profit margin?

Strong revenue growth and above median growth of industry

The company delivered strong revenue growth of 326.56% for 12-month ended 30 Jun 2026 and the growth was 314.43 percentage points higher than median growth of industry

What is Sales growth (1Y)?

Median: 12.13

Value 326.56

-2151.9255312.3

Strong EPS growth and above median growth of industry

The company delivered strong EPS growth of 62.77% for 12-month ended 30 Jun 2026 and the growth was 61.86 percentage points higher than median growth of industry

What is EPS growth (1Y)?

Low Debt to Equity, not much change from last year

The company has low Debt to Equity of 0.0 as on 30 Jun 2026 and Debt to Equity decreased marginally by 0.04 in the last 1 year

What is Debt to Equity?

Negative

Low dividend yield

The company has a low dividend yield of 0.0%

What is Dividend yield?

Neutral

Low ROE but improving trend

The company reported low ROE of 8.92% for 12-month ended 30 Jun 2026 but ROE improved by 250 bps from 1 year ago

What is ROE (FY)?

Financial Snapshot

See detailed analysis

Multi-year trends for Saraswati Commercial (India) Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

Saraswati Commercial (India) Ltd. Shareholding Pattern

Quarterly breakdown of Saraswati Commercial (India) Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	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	Jun 2026
Total Promoter	73.73	73.73	73.73	73.73	73.73	72.32	72.32	72.32	72.32	72.32	72.32	72.32	72.32	72.32	72.32	72.32	72.32	72.32	72.32	72.32	73.99	73.99	73.99	73.99	74.88	74.88
Indian Promoter	71.53	71.53	71.53	71.53	71.53	70.18	70.18	70.18	70.18	70.18	70.18	70.18	70.18	70.18	70.18	70.18	70.18	70.18	70.18	70.18	71.98	71.98	71.98	71.98	72.87	72.87
Foreign Promoter	2.20	2.20	2.20	2.20	2.20	2.14	2.14	2.14	2.14	2.14	2.14	2.14	2.14	2.14	2.14	2.14	2.14	2.14	2.14	2.14	2.01	2.01	2.01	2.01	2.01	2.01
Institutions	-	-	-	-	-	-	-	-	-	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Mutual Funds / UTI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FI/Bank/Insurance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Govt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FII	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Institutions	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Non-Institution	26.27	26.27	26.27	26.27	26.27	27.68	27.68	27.68	27.68	27.68	27.68	27.68	27.68	27.68	27.68	27.68	27.68	27.68	27.68	27.68	26.01	26.01	26.01	26.01	25.12	25.12
Bodies Corporate	9.55	9.55	16.51	16.51	16.12	17.82	17.59	17.53	17.50	17.45	17.45	17.45	17.45	17.45	17.46	17.47	17.49	17.50	17.56	17.56	16.50	16.50	16.43	16.43	16.44	16.44
Others (incl. Retail) No. of shareholders	16.72 899	16.72 892	9.76 947	9.76 1,009	10.15 986	9.86 1,096	10.09 1,238	10.15 1,202	10.18 1,272	10.23 1,281	10.23 1,611	10.23 1,669	10.23 1,756	10.23 1,763	10.22 1,745	10.21 1,730	10.19 1,963	10.18 1,933	10.12 2,892	10.12 3,060	9.51 3,132	9.51 3,087	9.58 3,120	9.58 2,927	8.68 2,863	8.68 2,784

Holdings and Presence

Indices and prominent investors with a stake in this stock.

Index Presence

Saraswati Commercial (India) Ltd. is not part of any tracked index.

Prominent Investor Holdings

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in Saraswati Commercial (India) Ltd. shares as reported to NSE and BSE.

No bulk, block or insider trade data available.

Corporate Actions

History of Saraswati Commercial (India) Ltd. dividends, bonus issues, stock splits, rights issues, and other corporate events.

Others
Ex-date: 21st Dec 2017Announced on: 7th Dec 2017
"On Market Tender Offer. Total Amount Returned INR 58680000. Share Capital 5.82 percent currently."

Company Profile

Overview of Saraswati Commercial (India) Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

Saraswati Commercial (India) Limited is an India-based non-banking financial company. The Company is engaged in the business of investment and trading in shares and securities and lending activities. Its subsidiaries include Sareshwar Trading and Finance Private Limited and Arkaya Commercial Private...

Key personnel

Mr. Rajiv Pathak

Chief Executive Officer

Ms. Avani Nirav Sanghavi

Compliance Officer, Company Secretary

Mrs. Rupal VoraD

Independent Non-Executive Chairman of the Board

Mrs. Vaishali R. DhuriD

Chief Financial Officer, Whole-time Director

Mr. Sandeep Kumar KejariwalD

Non-Executive Director

Mr. Hetal KhalpadaD

Non-Executive Director

Mr. Rohit A KothariD

Additional Non-Executive Director

Mrs. Neha BandyopadhyayD

Non-Executive Independent Director

View all

Incorporated on

24 Jan 1983

Last Annual

31 Mar 2026

Last Interim

30 Jun 2026

No. of Employees

IPO date

31 Aug 2005

Free Float

1,19,290

Website

https://www.saraswaticommercial.com/

Phone no.

+912240198600

Address

209-210, Arcadia, 2nd Floor, 195 Nariman Point, MUMBAI, 400021, India

Frequently Asked Questions

What is the current share price of Saraswati Commercial (India) Ltd.?

The current share price of Saraswati Commercial (India) Ltd. is ₹ 10,000.00 as of 8 Oct 2026.

What is the market capitalisation of Saraswati Commercial (India) Ltd.?

The market capitalisation of Saraswati Commercial (India) Ltd. stands at ₹ 1,096.00 Cr.

What is the PE ratio of Saraswati Commercial (India) Ltd.?

The Price-to-Earnings (PE) ratio of Saraswati Commercial (India) Ltd. is 8.28 as of the latest trailing twelve months data.

What is the ROE and ROCE of Saraswati Commercial (India) Ltd.?

Saraswati Commercial (India) Ltd. has a Return on Equity (ROE) of 8.92% and a Return on Capital Employed (ROCE) of 10.63% as per the latest financial reports.

What is the 52-week high and low of Saraswati Commercial (India) Ltd.?

The 52-week high of Saraswati Commercial (India) Ltd. is - and the 52-week low is -.

What is the dividend yield of Saraswati Commercial (India) Ltd.?

The dividend yield of Saraswati Commercial (India) Ltd. is 0.00% based on the current market price.

What is the FII and DII holding in Saraswati Commercial (India) Ltd.?

Foreign Institutional Investors (FII) hold 0.00%, Domestic Institutional Investors (DII) hold 0.00% and retail/public investors hold 8.68% of Saraswati Commercial (India) Ltd. shares.

What sector does Saraswati Commercial (India) Ltd. belong to?

Saraswati Commercial (India) Ltd. operates in the Financial Services sector.

What is the beta of Saraswati Commercial (India) Ltd.?

The beta of Saraswati Commercial (India) Ltd. is 0.90, indicating its price volatility relative to the broader market. Over the past 1 year, Saraswati Commercial (India) Ltd. has delivered an absolute return of -22.51%.

What is the RSI of Saraswati Commercial (India) Ltd.?

The 14-day Relative Strength Index (RSI) of Saraswati Commercial (India) Ltd. is 41.40, placing it in the neutral zone. An RSI above 70 is considered overbought and below 30 is considered oversold.

Saraswati Commercial (India) Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

Saraswati Commercial (India) Ltd. Shareholding Pattern

Holdings and Presence

Bulk, Block and Insider Trades

Corporate Actions

Company Profile

Frequently Asked Questions

Stock Analysis

Holdings and Presence

Company Profile

Corporate Actions