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( in crores)

Particulars Quarter ended June 30, 2015 Quarter ended March 31, 2015 Quarter ended June 30, 2014 Year ended
March 31, 2015
(Un-Audited) (Audited)
Income from Operations :        
a) Revenue from Operation 294.39 304.99 241.61 1,060.31
b) Other Income 0.00 0.00 0.01 0.01
Total Income 294.39 304.99 241.62 1,060.32
Expenditure :        
a) Finance Cost 190.18 182.74 154.92 677.73
b) Employee Benefit Expenses 8.40 6.18 7.86 35.19
c) Other Expenses 8.10 7.91 6.70 27.55
d) Depreciation 0.78 0.96 (1.26) 1.29
e) Bad Debts Written off 0.28 1.73 0.10 2.03
f) Provision for Contingencies 11.80 0.58 11.78 15.69
Total Expenditure 219.54 200.10 180.10 759.48
Profit Before Tax 74.85 104.89 61.52 300.84
Tax Expenses 24.54 30.83 19.61 97.04
Net Profit After Tax 50.31 74.06 41.91 203.80
Earnings per Share (of 2 each)

– Basic ()

1.384

1.987

1.163

5.571
– Diluted () 1.383 1.986 1.157 5.566
Paid-up Equity Share Capital
( Face Value 2 each )
72.70 72.68 72.05 72.68
Reserves and Surplus as at March 31 638.81

Part – II Selected information for the Quarter ended June 30, 2015
A. Particulars of Share Holding Quarter ended
June 30, 2015
Quarter ended
March 31, 2015
Quarter ended
June 30, 2014
Year ended
March 31, 2015
Public Shareholding
  • – No. of Shares
150410310 150306730 147184450 150306730
  • – Percentage of Shareholding
41.38 41.36 40.85 41.36
Promoter and Promoter Group Shareholding
a) Pledged / Encumbered
  • – No. of Shares
Nil Nil Nil Nil
  • – Percentage of Shares (as a % of the
    total Shareholding of Promoter and
    Promoter group)
Nil Nil Nil Nil
  • – Percentage of Shares (as a % of the
    total Share Capital of the Company)
Nil Nil Nil Nil
b) Non – Encumbered
  • – No. of Shares
213077850 213077850 213077850 213077850
  • – Percentage of Shares (as a % of the
    total Shareholding of Promoter and
    Promoter group)
100 100 100 100
  • – Percentage of Shares (as a % of the
    total Share Capital of the Company)
58.62 58.64 59.15 58.64
B. Investor Complaints Quarter ended
June 30, 2015
Pending at the beginning of the quarter Nil
Received during the quarter 2
Disposed off during the quarter 2
Remaining unresolved at the end of the quarter Nil

NOTES :-

  • The Company’s main business is to provide loans for purchase or construction of residential houses. All other activities of the Company revolve around the main business. As such, there are no separate reportable segments as per the Accounting Standard on Segment Reporting (AS 17).
  • Loan Assets have increased from 7,388 crores as on June 30, 2014 to 9,329 crores as on June 30, 2015 registering a growth of 26 %.
  • The aggregate NPAs of the Company are 0.52% of the Loan Assets as against 0.44% of the Loan Assets as on June 30, 2014. The Net NPAs of the Company are 0.15% of the Loan Assets as against 0.04% of the Loan Assets as on June 30, 2014.
  • During the quarter, the Company has allotted 1,03,580 Equity Shares pursuant to exercise of stock options by certain employees.
  • Figures of the quarter ended March 31, 2015 are the balancing figures between audited figures in respect of the full financial year 2014-15 and published year to date reviewed figures up to the period ended December 31, 2014.
  • During the period under review, there are no transactions in the nature of exceptional or extraordinary items.
  • Previous period/year figures have been regrouped and reclassified, where necessary, to make them comparable with current quarter figures.

The above results for the quarter ended June 30, 2015, which have been subjected to a ‘Limited Review’ by the Auditors of the Company, were reviewed and recommended by the Audit Committee of Directors and subsequently approved by the Board of Directors at its meeting held on July 10, 2015 in terms of Clause 41 of the Listing Agreement.

July 10, 2015
Mumbai
For GRUH Finance Limited
Sudhin Choksey
Managing Director