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Company Overview
- Foundation: 2011
- Type: Registered as an NBFC-MFI with the Reserve Bank of India (RBI)
- Location: Based in Punjab
- Objective: Empower women financially and socially through small business loans
Branch Network Expansion:
- Branches: 154 branches across 5 states and 1 union territory (Punjab, Haryana, Rajasthan, Uttar Pradesh, Bihar, and Chandigarh)
- 2018-19 Expansion: Opened 50 new branches, focusing on Eastern U.P. and Bihar
Regional Offices Establishment:
- 2019 Openings: Jaipur, Chandigarh, Varanasi, and Patna
Core Business Philosophy:
- Stringent lending processes and controls ensure asset quality
- Successfully recovered loans during the demonetization period
Loan Products:
- Business Loan:
- Amount: Rs. 11,000 – 30,000 / Rs. 31,000 – 50,000
- Interest Rate: 25.20%
- Duration: 1 year / 2 years
- Water Purifier Loan:
- Amount: Rs. 4,200 – 8,500
- Interest Rate: 25.20%
- Duration: 6M / 9M / 11M
- Sewing Machine Loan:
- Amount: Rs. 3,520
- Interest Rate: 25.20%
- Duration: 6M / 9M / 11M
- Solar Lamp Loan:
- Amount: Rs. 2,899
- Interest Rate: 25.20%
- Duration: 6M / 9M / 11M
- Udaan-Individual Loan:
- Amount: Rs. 60,000 – 1,00,000
- Interest Rate: 25.20%
- Duration: 2 years
Data:
- Service Coverage: 15,734 villages across India
- Borrowers Served: 2,96,238 as of March 31, 2019
- Total Assets: Rs. 748 Crores as of March 31, 2019
- New Branches (2019): 54
- Loan Portfolio (2019): Rs. 549.07 crores, up from Rs. 350.79 crores in 2018, marking a growth of 56.53%
Credit Strengths:
- Operational Performance: Significant growth in active borrowers and branches
- Capitalization: Maintained CRAR above 15%, with a CRAR of 23.32% as of March 31, 2019
- Asset Quality: Low Gross NPA and Net NPA ratios, with high collection efficiency
- Experienced Management: Promoted by Mr. Amardeep Singh Samra, with over four decades of experience in asset financing. Qualified professionals manage various operational aspects.
Fundamentals
| Fundamentals | Value | Fundamentals | Value |
|---|---|---|---|
| Current Price | ₹195 | P/B | 2.55 |
| Debt to Equity | 4.14 | P/E Ratio | 18.88 |
| Market Cap (in Cr.) | ₹887 | EPS | 13.53 |
| Face Value | 10 | ISIN | INE884Q01015 |
| Book Value | 76 | PAN Number | AAGCS6186A |
| ROE (%) | 13.53 | No. of Shares (in Cr.) | 45.5 |
Promoters & Managements
| Name | Designation |
|---|---|
| Vijay Kumar Bhandari | Chairman |
| Amardeep Singh Samra | MD & CEO |
| Amitesh Kumar | COO & CFO |
Profit & Loss
| Financial Data | 2022 | 2023 |
|---|---|---|
| Interest Earned | 207 | 355 |
| Other Income | 12 | 40 |
| Interest Expended | 104 | 168 |
| Operating Expenses | 74 | 110 |
| Provisions and Contingencies | 9 | 51 |
| PAT (Profit After Tax) | 22 | 47 |
| EPS (Earnings Per Share) | 4.84 | 10.33 |
| Gross NPA (%) | 3.07 | 0.06 |
| Net NPA (%) | 0.96 | 0.03 |
Financial Ratios
| Financial Ratios | 2022 | 2023 |
|---|---|---|
| Advances (in Crores) | 1034 | 1528 |
| Book Value | 59.45 | 76.37 |
| P / B (Price to Book) | 3.28 | 2.55 |
| ROE (Return on Equity) % | 8.13 | 13.53 |
Assets (in Crores)
| Assets | 2022 | 2023 |
|---|---|---|
| Fixed Assets | 11 | 12 |
| Cash and Balances | 482 | 326 |
| Investments | 15 | 80 |
| Advances | 1034 | 1528 |
| Other Assets | 27 | 44 |
| Total Assets | 1569 | 1990 |
Liabilities (in Crores)
| Liabilities | 2022 | 2023 |
|---|---|---|
| Share Capital | 45.5 | 45.5 |
| Face Value (FV) | 10 | 10 |
| Reserves | 225 | 302 |
| Borrowings | 1129 | 1438 |
| Deposits | 0 | 0 |
| Other Liabilities | 169.5 | 204.5 |
| Total Liabilities | 1569 | 1990 |
Cash Flow Statement (in Crores)
| Description | 2022 | 2023 |
|---|---|---|
| PBT (Profit Before Tax) | 29 | 61 |
| Operating Profit Before Working Capital Changes (OPBWC) | 38 | 34 |
| Change in Advances | -287 | -481 |
| Other Changes | -55 | 74 |
| Working Capital Change | -342 | -407 |
| Cash Generated From Operations | -304 | -373 |
| Tax | 17 | 15 |
| Cash Flow From Operations | -321 | -388 |
| Purchase of PPE | -2 | -5 |
| Purchase of Investment | -16 | -329 |
| Sale of Investments | 1 | 265 |
| Others | -1 | -1 |
| Cash Flow from Investment | -18 | -70 |
| Proceeds from Borrowing | 343 | 306 |
| Repayment of Borrowing | 0 | 0 |
| Dividend | -2.3 | -3 |
| Proceeds from Equity | 6.4 | 0 |
| Others From Financing | 78 | 44 |
| Cash Flow from Financing | 425.1 | 347 |
| Net Cash Generated | 86.1 | -111 |
| Cash at the Start | 149 | 235 |
| Cash at the End | 235.1 | 124 |
Share Holding Pattern
Shareholding Pattern (%)
| Shareholder | 2022 | 2023 |
|---|---|---|
| Kitara PIIN 1501 | 32.71 | 32.71 |
| Ranjit Kaur Chhokar | 4.92 | 10.95 |
| ICICI Bank Limited | 9.89 | 9.89 |
| Amardeep Singh Samra | 7.68 | 8.07 |
| Mohinder Kaur Chhokar | 6.03 | – |
| International Township Developers | 5.38 | 5.38 |
| Others | 33.39 | 33 |
Frequently Asked Questions (FAQ)
Find answers to common questions, providing clarity and insights to address any queries on your mind.
Contact Us: Reach out to Unlistify to confirm availability and agree on a price.
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Share Details: Submit your Client Master Report.
Transfer Shares: Transfer the Kannur International Airport Ltd shares to our Demat account using a DIS (Delivery Instruction Slip).
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Methods:
Offline DIS: Fill out a physical DIS form with details like the ISIN number, quantity, price of your Kannur International Airport Ltd shares, and our account information. Submit this to your broker.
Online DIS: Some brokers offer online DIS systems for easier transfers.
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