WEBSITE BSE:531878 NSE: ANJANI FINL Inc. Year: 1989 Industry: Finance - NBFC My Bucket: Add Stock
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Anjani Finance Ltd is an Indian publicly listed non‑banking finance company (NBFC) incorporated on 20 April 1989 and headquartered in Indore, Madhya Pradesh. Originally named Gujrat Guaranty and Financial Ltd, it adopted its current name in the early 2000s and is listed on the Bombay Stock Exchange (BSE: 531878). The company operates under the flagship of the Agarwal Group, a diversified business group from Madhya Pradesh with interests in sectors such as trading, real estate, finance, and industrial activities. As an NBFC, Anjani Finan...Read More
Anjani Finance Ltd is an Indian publicly listed non‑banking finance company (NBFC) incorporated on 20 April 1989 and headquartered in Indore, Madhya Pradesh. Originally named Gujrat Guaranty and Financial Ltd, it adopted its current name in the early 2000s and is listed on the Bombay Stock Exchange (BSE: 531878). The company operates under the flagship of the Agarwal Group, a diversified business group from Madhya Pradesh with interests in sectors such as trading, real estate, finance, and industrial activities. As an NBFC, Anjani Finance’s principal business objective is to provide secured and unsecured loans and advances to individuals, firms and corporate entities, along with the acquisition, holding and trading of shares, stocks, debentures and other securities. Over the years, its activities have included loan financing (such as vehicle loans), investment and securities trading, and participation in energy projects including wind power generation through its own plant with power supplied under agreements. The company’s operations are relatively small in scale, reflected in modest annual revenue and profitability figures, and it maintains a lean organisational structure. Prominent leadership includes directors such as Sanjay Kumar Agarwal (Managing Director) and Kalpana Jain, and it continues to comply with regulatory and corporate governance requirements as an active listed entity. Anjani Finance’s market performance and strategic focus underscore its role as a niche finance provider within India’s NBFC landscape, balancing lending, investment activities and asset utilisation as part of its broader corporate objectives. ...Read Less
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Market Cap ₹10 Cr.
Stock P/E 21.8
P/B 0.7
Current Price ₹10
Book Value ₹ 15
Face Value 10
52W High ₹14.5
Dividend Yield 0%
52W Low ₹ 7.5
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Dec 2017 | Mar 2018 | Jun 2018 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Expenditure | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating Profit | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 |
| Provision for Tax | 0 | 0 | 0 | 0 | -0 | 0 | 0 | 0 | 0 | -0 |
| Profit After Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 |
| Adjustments | -0 | -0 | -0 | 0 | 0 | 0 | -0 | 0 | -0 | 0 |
| Profit After Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 |
| Adjusted Earnings Per Share | 0 | 0 | 0.1 | 0.1 | 0.1 | 0.2 | 0.1 | -0 | 0.1 | 0.1 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 |
| Total Income | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 3 | 1 | 1 | 0 |
| Total Expenditure | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 |
| Operating Profit | 1 | 1 | 1 | 1 | 1 | 1 | 1 | -1 | 3 | 1 | 1 | 0 |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 2 | 1 | 1 | 0 |
| Provision for Tax | -0 | 0 | 0 | 0 | -0 | 0 | 0 | -0 | 1 | 0 | 0 | 0 |
| Profit After Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 2 | 0 | 0 | 0 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 2 | 0 | 0 | 0 |
| Adjusted Earnings Per Share | 0.3 | 0.2 | 0.3 | 0.1 | 0.4 | 0.3 | 0.4 | -0.8 | 1.7 | 0.5 | 0.5 | 0.3 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 0% | 0% | 0% | 0% |
| Operating Profit CAGR | 0% | 0% | 0% | 0% |
| PAT CAGR | 0% | 0% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -20% | 13% | 7% | 17% |
| ROE Average | 3% | 6% | 3% | 3% |
| ROCE Average | 5% | 8% | 5% | 5% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 12 | 12 | 12 | 12 | 13 | 13 | 13 | 13 | 14 | 15 | 15 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 3 | 4 | 4 | 4 | 2 | 6 | 7 | 6 | 7 | 0 | 0 |
| Current Liability | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 | 0 |
| Total Liabilities | 15 | 16 | 16 | 17 | 15 | 19 | 21 | 19 | 22 | 15 | 15 |
| Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5 | 0 | 0 |
| Investments | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 |
| Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Loans | 3 | 4 | 4 | 6 | 4 | 8 | 5 | 3 | 0 | 0 | 0 |
| Other Non Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Assets | 1 | 1 | 1 | 0 | 1 | 1 | 6 | 5 | 5 | 4 | 5 |
| Total Assets | 15 | 16 | 16 | 17 | 15 | 19 | 21 | 19 | 22 | 15 | 15 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 0 | 1 | 0 | 1 | 0 | 0 | 0 | 5 | 5 | 5 | 4 |
| Cash Flow from Operating Activities | 1 | -1 | 1 | -1 | 0 | -4 | 3 | 1 | 0 | 6 | 0 |
| Cash Flow from Investing Activities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash Flow from Financing Activities | -0 | 0 | 0 | 0 | 0 | 4 | 1 | -1 | 0 | -7 | -0 |
| Net Cash Inflow / Outflow | 1 | -1 | 1 | -1 | 0 | 0 | 5 | -0 | 1 | -1 | 1 |
| Closing Cash & Cash Equivalent | 1 | 0 | 1 | 0 | 0 | 0 | 5 | 5 | 5 | 4 | 5 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0.35 | 0.2 | 0.34 | 0.11 | 0.38 | 0.25 | 0.42 | -0.78 | 1.66 | 0.48 | 0.46 |
| CEPS(Rs) | 0.4 | 0.22 | 0.36 | 0.14 | 0.39 | 0.26 | 0.42 | -0.77 | 1.67 | 0.48 | 0.46 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 11.41 | 11.61 | 11.94 | 12.06 | 12.44 | 12.7 | 13.11 | 12.33 | 13.99 | 14.47 | 14.93 |
| Net Profit Margin | 32.87 | 21.35 | 33.81 | 14 | 39.89 | 27.77 | 32.97 | -56.32 | 119.95 | 38.07 | 51.55 |
| Operating Margin | 74.82 | 65.95 | 82.2 | 61.92 | 69.39 | 64.5 | 77.46 | -36.27 | 190.36 | 72.34 | 80.78 |
| PBT Margin | 32.23 | 26.9 | 41.99 | 17.76 | 34.26 | 35.28 | 35.94 | -73.33 | 156.27 | 47.61 | 66.92 |
| ROA(%) | 2.29 | 1.33 | 2.13 | 0.7 | 2.43 | 1.49 | 2.12 | -4.01 | 8.38 | 2.64 | 3.04 |
| ROE(%) | 3.08 | 1.74 | 2.85 | 0.95 | 3.14 | 2.02 | 3.23 | -6.12 | 12.61 | 3.35 | 3.11 |
| ROCE(%) | 5.28 | 4.13 | 5.23 | 3.12 | 4.3 | 3.52 | 5.05 | -2.61 | 13.45 | 5.14 | 4.88 |
| Price/Earnings(x) | 17.45 | 11.79 | 21.44 | 32.34 | 6.71 | 0 | 11.04 | 0 | 4.51 | 26.19 | 27.53 |
| Price/Book(x) | 0.53 | 0.2 | 0.6 | 0.31 | 0.21 | 0 | 0.35 | 0.45 | 0.54 | 0.86 | 0.84 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 8.1 | 6.3 | 10.31 | 9.77 | 5 | 17.29 | 5.34 | 5.07 | 6.5 | 6.72 | 8.94 |
| EV/Core EBITDA(x) | 10.17 | 8.87 | 12.18 | 15.06 | 7.14 | 26.54 | 6.85 | -14.09 | 3.41 | 9.23 | 11.01 |
| Interest Earned Growth(%) | 26.07 | -10.93 | 5.75 | -17.86 | 18.38 | -5.26 | 38.38 | 9.31 | 0.12 | -9.52 | -29.13 |
| Net Profit Growth | 33.85 | -42.14 | 67.45 | -65.97 | 237.18 | -34.03 | 64.26 | -286.75 | 313.24 | -71.29 | -4.02 |
| EPS Growth(%) | 33.84 | -42.16 | 67.48 | -65.97 | 237.16 | -34.04 | 64.26 | -286.74 | 313.26 | -71.29 | -4.03 |
| Interest Coverage(x) % | 1.76 | 1.69 | 2.04 | 1.4 | 1.98 | 2.21 | 1.87 | -0.98 | 5.58 | 2.93 | 5.82 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 52.75 | 52.75 | 52.75 | 52.87 | 53.38 | 53.38 | 53.38 | 53.38 | 53.38 | 53.38 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 47.25 | 47.25 | 47.25 | 47.13 | 46.62 | 46.62 | 46.62 | 46.62 | 46.62 | 46.62 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0.54 | 0.54 | 0.54 | 0.54 | 0.54 | 0.54 | 0.54 | 0.54 | 0.54 | 0.54 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 0.48 | 0.48 | 0.48 | 0.48 | 0.47 | 0.47 | 0.47 | 0.47 | 0.47 | 0.47 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 1.01 | 1.01 | 1.01 | 1.01 | 1.01 | 1.01 | 1.01 | 1.01 | 1.01 | 1.01 |
* The pros and cons are machine generated.
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