Bengal & Assam Company Ltd

BENGALASM

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Market Cap

₹ 8,075 Cr

P/E

9.93

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Investment Checklist

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Performance

STEADY PERFORMER

Valuation

REASONABLE

Growth

STABLE

Profitability

MODERATE MARGIN

Technicals

Bearish

Risk

LOW RISK

Investment Checklist

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Price

PE Ratio

Price

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Overview

Detailed Summary

Bengal & Assam Company Limited is a core investment company operating as an NBFC in India. It primarily engages in investment, finance, and operates across polymers, cotton yarn, and dairy products.

The company has a diverse portfolio with subsidiaries and associates ranging from engineering to energy and tyre industries, showcasing its strategic expansion tactics.

Its 2019-20 Scheme of Arrangement significantly redefined its corporate structure, integrating entities like JK Tyre & Industries and Umang Dairies as subsidiaries.

A pending 2023-24 Scheme of Arrangement aims to further restructure its business, particularly impacting its dairy segment, demonstrating ongoing strategic realignments.

Sector

Finance

Industry

NBFC-Holding Companies

Market Cap

8,075 Cr

Volatility

Low Risk

P/E Ratio

9.9

Industry P/E

26.1

PEG Ratio

0.4

P/B Ratio

0.8

52W High

9,699.00

52W Low

6,220.00

Sales CAGR

-83.13%

15.26%

-2.15%

10Y

15.87%

Profit CAGR

-91.37%

23.14%

-1.81%

10Y

19.52%

ROE

TTM

8.05%

20.84%

17.52%

10Y

15.72%

ROCE

TTM

4.77%

18.87%

15.48%

10Y

13.40%

Technicals

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
EDELWEISS	106.35	10,321 Cr	24.29	2.34	1.34	9.62	11.96	1.40
KAMAHOLD	2880.00	9,401 Cr	11.46	1.23	1.15	10.75	19.94	6.98
BENGALASM	7050.00	8,075 Cr	9.93	0.79	0.71	8.05	4.77	3.01
RELIGARE	227.65	7,806 Cr	74.24	2.64	0.00	3.61	4.60	1.14
PILANIINVS	5155.10	5,680 Cr	196.04	0.33	0.29	0.17	1.38	0.48
RTNINDIA	40.50	5,660 Cr	—	5.48	0.00	-40.63	-16.68	-12.90
NSIL	6601.00	3,436 Cr	142.76	0.21	0.00	0.15	0.23	0.14

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	4,241	4,377	3,777	523	528	590	490	521	573	642
Expenses	3,710	3,697	3,224	413	445	432	421	428	472	451
Interest	129	119	106	10	9.59	9.95	11	13	12	13
Financing Profit	402	561	447	100	74	148	58	80	88	178
Financing Margin %	9.47	12.81	11.83	19.11	13.94	25.01	11.90	15.28	15.41	27.73
Other Income	18	14	3,098	28	17	24	38	31	27	39
Depreciation	120	122	114	17	17	17	17	17	16	16
Profit Before Tax	299	452	3,431	111	73	154	80	93	99	201
Tax %	33.42	32.18	10.74	25.18	28.30	20.15	29.03	28.04	27.82	19.66
Net Profit	199	307	3,062	83	52	123	56	67	72	161
EPS in Rs	261.17	281.00	2,597.34	272.97	217.83	112.22	286.91	195.39	214.94	191.94
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Revenue	1,432	1,549	1,524	12,505	10,112	10,400	13,576	16,492	12,917	2,175
Expenses	1,224	1,261	1,354	11,152	8,856	8,930	12,278	14,903	11,044	1,754
Interest	53	52	42	574	608	504	449	488	364	47
Financing Profit	155	236	128	780	649	967	848	1,101	1,509	374
Financing Margin %	10.81	15.26	8.42	6.24	6.41	9.30	6.25	6.67	11.68	17.19
Other Income	33	39	37	86	34	56	55	84	76	120
Depreciation	37	40	42	367	420	428	428	456	373	68
Profit Before Tax	90	171	108	499	262	595	475	729	1,212	426
Tax %	24.47	23.92	28.57	27.92	-53.15	39.78	34.79	29.41	52.96	25.32
Net Profit	68	130	77	269	295	392	314	453	3,467	318
EPS in Rs	—	—	—	—	402.76	450.41	550.51	822.27	3,412.48	889.18
Dividend Payout %	3.58	2.65	4.34	3.17	3.72	1.67	2.70	3.01	1.16	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Equity Capital	8.68	8.68	8.68	8.68	11	11	11	11	11	11
Reserves	1,274	1,514	1,813	2,005	2,991	3,363	3,904	4,533	5,502	9,044
Borrowings	345	366	350	248	6,474	6,093	5,110	5,527	5,185	422
Other Liabilities	379	406	419	515	4,805	4,935	5,487	6,261	6,661	993
Total Liabilities	2,006	2,294	2,591	2,777	14,282	14,402	14,512	16,333	17,360	10,471
Fixed Assets	355	377	366	391	6,670	6,780	6,617	6,812	6,903	438
CWIP	9.36	3.01	20	11	287	295	328	136	232	22
Investments	0.00	0.00	0.00	0.00	1,819	2,085	2,423	2,749	3,602	9,090
Other Assets	1,641	1,914	2,205	2,374	5,506	5,243	5,144	6,636	6,623	920
Total Assets	2,006	2,294	2,591	2,777	14,282	14,402	14,512	16,333	17,360	10,471

Consolidated Cash Flows (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	144	113	102	993	1,499	1,780	351	1,437	1,817	294
Cash from Investing Activity	-102	54	-163	-367	-345	-181	-188	-650	-1,398	-286
Cash from Financing Activity	-37	-172	64	-567	-1,191	-1,567	-144	-778	-590	39
Net Cash Flow	4.26	-4.90	3.23	59	-37	33	18	8.95	-171	48

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	72.66%	72.66%	72.66%	72.66%	73.01%	73.01%	73.01%	73.01%	73.01%	73.01%	73.11%	72.87%
FIIs	3.89%	3.90%	3.92%	4.28%	4.31%	4.31%	4.31%	4.55%	4.57%	4.55%	4.47%	4.42%
DIIs	0.07%	0.06%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Public	23.38%	23.39%	23.42%	23.05%	22.67%	22.66%	22.67%	22.42%	22.40%	22.42%	22.42%	22.70%
Total Shareholders	21,602	21,435	20,792	20,629	20,819	21,019	21,021	21,119	20,339	20,231	20,207	27,050

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Oct 01, 2025	Upendra kumar gupta as truste...	Insider - Connected Person	Disposal	7,842.15	4.14 Cr	5,285	0.05
Oct 01, 2025	Ypl enterprises private limited	Insider - Promoter Group	Acquisition	7,857.99	4.15 Cr	5,285	0.04
Sep 24, 2025	Ypl enterprises private limited	Insider - Promoter Group	Acquisition	—	—	19,45,619	—
Sep 24, 2025	Anshuman singhania karta of s...	Insider - Promoter Group	Disposal	—	—	6,38,000	5.59
Sep 24, 2025	Raghupati singhania	Insider - Promoter Group	Disposal	—	—	6,53,809	5.78
Sep 24, 2025	Bharat hari singhania	Insider - Promoter Group	Disposal	—	—	6,53,810	5.72
Jun 25, 2025	Param shubham vanijya limited	Insider - Promoter Group	Disposal	7,842.35	1.12 Cr	1,422	0.01
Jun 25, 2025	Hari shankar singhania holdin...	Insider - Promoter Group	Acquisition	7,858.06	1.12 Cr	1,422	0.01
Jun 11, 2025	Hari shankar singhania holdin...	Insider - Promoter Group	Acquisition	7,507.50	7.88 Cr	10,492	0.09
Jun 11, 2025	Ashok kumar kinra as trustee ...	Insider - Connected Person	Disposal	7,485.00	7.85 Cr	10,492	0.09

Projection

Actions

Action Type

‌
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Announcements

Last 7 days

Newest

Sentiment

Regulatory Filing

8 hours ago

Special Window for Share Transfer

Announcement of the opening of a Special Window for the re-lodgment of the transfer of physical shares.

Documents

Presentations

Concalls

Reports

Presentations

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Financial Statements

AI Powered Summary

Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.

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Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	4,241	4,377	3,777	523	528	590	490	521	573	642
Expenses	3,710	3,697	3,224	413	445	432	421	428	472	451
Interest	129	119	106	10	9.59	9.95	11	13	12	13
Financing Profit	402	561	447	100	74	148	58	80	88	178
Financing Margin %	9.47	12.81	11.83	19.11	13.94	25.01	11.90	15.28	15.41	27.73
Other Income	18	14	3,098	28	17	24	38	31	27	39
Depreciation	120	122	114	17	17	17	17	17	16	16
Profit Before Tax	299	452	3,431	111	73	154	80	93	99	201
Tax %	33.42	32.18	10.74	25.18	28.30	20.15	29.03	28.04	27.82	19.66
Net Profit	199	307	3,062	83	52	123	56	67	72	161
EPS in Rs	261.17	281.00	2,597.34	272.97	217.83	112.22	286.91	195.39	214.94	191.94
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Revenue	1,432	1,549	1,524	12,505	10,112	10,400	13,576	16,492	12,917	2,175
Expenses	1,224	1,261	1,354	11,152	8,856	8,930	12,278	14,903	11,044	1,754
Interest	53	52	42	574	608	504	449	488	364	47
Financing Profit	155	236	128	780	649	967	848	1,101	1,509	374
Financing Margin %	10.81	15.26	8.42	6.24	6.41	9.30	6.25	6.67	11.68	17.19
Other Income	33	39	37	86	34	56	55	84	76	120
Depreciation	37	40	42	367	420	428	428	456	373	68
Profit Before Tax	90	171	108	499	262	595	475	729	1,212	426
Tax %	24.47	23.92	28.57	27.92	-53.15	39.78	34.79	29.41	52.96	25.32
Net Profit	68	130	77	269	295	392	314	453	3,467	318
EPS in Rs	—	—	—	—	402.76	450.41	550.51	822.27	3,412.48	889.18
Dividend Payout %	3.58	2.65	4.34	3.17	3.72	1.67	2.70	3.01	1.16	—

Consolidated Balance Sheet (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Equity Capital	8.68	8.68	8.68	8.68	11	11	11	11	11	11
Reserves	1,274	1,514	1,813	2,005	2,991	3,363	3,904	4,533	5,502	9,044
Borrowings	345	366	350	248	6,474	6,093	5,110	5,527	5,185	422
Other Liabilities	379	406	419	515	4,805	4,935	5,487	6,261	6,661	993
Total Liabilities	2,006	2,294	2,591	2,777	14,282	14,402	14,512	16,333	17,360	10,471
Fixed Assets	355	377	366	391	6,670	6,780	6,617	6,812	6,903	438
CWIP	9.36	3.01	20	11	287	295	328	136	232	22
Investments	0.00	0.00	0.00	0.00	1,819	2,085	2,423	2,749	3,602	9,090
Other Assets	1,641	1,914	2,205	2,374	5,506	5,243	5,144	6,636	6,623	920
Total Assets	2,006	2,294	2,591	2,777	14,282	14,402	14,512	16,333	17,360	10,471

Consolidated Cash Flows (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	144	113	102	993	1,499	1,780	351	1,437	1,817	294
Cash from Investing Activity	-102	54	-163	-367	-345	-181	-188	-650	-1,398	-286
Cash from Financing Activity	-37	-172	64	-567	-1,191	-1,567	-144	-778	-590	39
Net Cash Flow	4.26	-4.90	3.23	59	-37	33	18	8.95	-171	48

Oscillators

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
EDELWEISS	106.35	10,321 Cr	24.29	2.34	1.34	9.62	11.96	1.40
KAMAHOLD	2880.00	9,401 Cr	11.46	1.23	1.15	10.75	19.94	6.98
BENGALASM	7050.00	8,075 Cr	9.93	0.79	0.71	8.05	4.77	3.01
RELIGARE	227.65	7,806 Cr	74.24	2.64	0.00	3.61	4.60	1.14
PILANIINVS	5155.10	5,680 Cr	196.04	0.33	0.29	0.17	1.38	0.48
RTNINDIA	40.50	5,660 Cr	—	5.48	0.00	-40.63	-16.68	-12.90
NSIL	6601.00	3,436 Cr	142.76	0.21	0.00	0.15	0.23	0.14

Overview

Detailed Summary

Bengal & Assam Company Limited is a core investment company operating as an NBFC in India. It primarily engages in investment, finance, and operates across polymers, cotton yarn, and dairy products.

The company has a diverse portfolio with subsidiaries and associates ranging from engineering to energy and tyre industries, showcasing its strategic expansion tactics.

Its 2019-20 Scheme of Arrangement significantly redefined its corporate structure, integrating entities like JK Tyre & Industries and Umang Dairies as subsidiaries.

A pending 2023-24 Scheme of Arrangement aims to further restructure its business, particularly impacting its dairy segment, demonstrating ongoing strategic realignments.

Sector

Finance

Industry

NBFC-Holding Companies

Market Cap

8,075 Cr

Volatility

Low Risk

P/E Ratio

9.9

Industry P/E

26.1

PEG Ratio

0.4

P/B Ratio

0.8

52W High

9,699.00

52W Low

6,220.00

Sales CAGR

-83.13%

15.26%

-2.15%

10Y

15.87%

Profit CAGR

-91.37%

23.14%

-1.81%

10Y

19.52%

ROE

TTM

8.05%

20.84%

17.52%

10Y

15.72%

ROCE

TTM

4.77%

18.87%

15.48%

10Y

13.40%