Overview

Detailed Summary

Saraswati Commercial (India) Limited is a Non-Banking Financial Company (NBFC) in India, primarily engaged in investment and securities trading and lending activities.
The company follows prudential norms for asset classification and income recognition, owing to its asset size exceeding INR 500 crores, categorizing it as systemically important under RBI directions.
Saraswati Commercial underwent structural changes with the amalgamation of Aroni Commercials Limited in 2017, expanding its business and subsidiaries, Sareshwar Trading and Arkaya Commercial Pvt Ltd.
Allotted 390,593 Equity Shares to shareholders of Aroni Commercials Limited post-amalgamation, reflecting strategic maneuvering to integrate operations and expand corporate presence.
The cessation of association with Mahotsav Trading and Finance Private Ltd in 2015 marked another strategic shift in the company's portfolio management.

Sector: Finance
Industry: Non Banking Financial Company (NBFC)
Market Cap: 1,097 Cr
Volatility: Moderate Risk
P/E Ratio: 10.9
Industry P/E: 19.5
PEG Ratio: —
P/B Ratio: 1.0
52W High: 17,889.80
52W Low: 8,650.00

Sales CAGR

1Y: -41.21%
3Y: -4.57%
5Y: 127.16%
10Y: 26.27%

Profit CAGR

1Y: -48.58%
3Y: -6.28%
5Y: —
10Y: 16.20%

ROE

TTM: 2.01%
3Y: 8.11%
5Y: 9.18%
10Y: 8.12%

ROCE

TTM: 2.57%
3Y: 9.34%
5Y: 10.61%
10Y: 9.42%

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Financial Services Financial Services Finance

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
FINKURVE		55.30	1,445 Cr	33.92	9.14	0.00	12.49	15.44	12.24
CIFL		23.00	1,121 Cr	23.08	1.67	0.07	-8.56	1.56	1.96
ZSARACOM		9649.95	1,097 Cr	10.90	1.02	0.00	2.01	2.57	6.90
CREST		366.35	1,044 Cr	21.75	0.83	0.27	4.04	5.82	3.06
AKCAPIT		1524.90	1,032 Cr	9.68	1.02	2.43	9.41	8.48	2.45
ARYAMAN		629.00	735 Cr	17.74	4.90	0.00	27.12	45.45	18.98
FEDDERSHOL		37.32	731 Cr	12.08	1.10	0.00	4.18	4.58	9.49
Median: 7 Co.	—	366.35	1,044 Cr	17.74	1.10	0.00	4.18	5.82	6.90

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	29	40	30	68	78	-45	-26	31	73	33
Expenses	0.61	0.91	0.99	1.34	1.60	0.78	1.32	1.81	0.82	1.40
Interest	0.42	0.26	0.53	0.06	0.15	0.64	0.74	0.49	0.68	1.25
Financing Profit	28	39	29	67	77	-46	-28	29	72	30
Financing Margin %	96.39	97.08	94.95	97.95	97.77	103.17	107.85	92.69	97.95	91.89
Other Income	0.10	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	28	39	29	67	77	-46	-28	29	72	30
Tax %	13.89	14.37	21.65	21.51	17.28	14.85	18.91	19.16	15.99	17.64
Net Profit	24	33	22	52	63	-39	-23	24	60	25
EPS in Rs	217.20	304.00	204.08	478.55	577.82	-359.49	-222.34	258.79	615.32	233.27
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)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	6.44	16	7.69	1.25	28	87	24	128	75	39
Expenses	2.74	2.37	6.85	14	1.61	2.28	3.16	3.18	5.02	5.51
Interest	2.84	0.34	0.15	0.29	1.51	0.91	1.76	1.69	1.59	2.02
Financing Profit	0.86	14	0.69	-13	25	84	19	123	69	31
Financing Margin %	13.28	83.46	8.94	-1,055.59	88.83	96.33	79.53	96.21	91.24	80.55
Other Income	4.31	0.04	0.07	0.12	0.04	0.02	0.01	0.00	0.00	NaN
Depreciation	0.03	0.02	0.02	0.01	0.01	0.01	0.01	0.01	0.01	0.00
Profit Before Tax	5.14	14	0.74	-13	25	84	19	123	69	31
Tax %	-1.65	-16.90	51.56	26.34	14.34	22.42	38.71	15.85	22.37	21.21
Net Profit	5.22	16	0.36	-9.62	21	65	12	104	53	25
EPS in Rs	—	—	3.48	-87.76	194.50	595.51	106.66	948.09	474.54	885.04
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—

Consolidated Balance Sheet (in ₹ Crores)

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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
Equity Capital	0.64	0.64	1.00	1.00	1.00	1.00	1.03	1.03	1.03	1.10
Reserves	35	115	128	244	156	278	426	437	696	966
Borrowings	42	8.00	32	0.52	10	4.89	28	22	0.02	43
Other Liabilities	4.70	8.80	0.66	8.83	1.16	15	34	30	73	98
Total Liabilities	82	133	162	254	168	299	488	491	770	1,109
Fixed Assets	0.00	0.08	0.08	0.05	0.04	0.04	0.05	0.04	0.04	0.05
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	238	137	292	474	489	762	1,084
Other Assets	82	133	162	16	31	7.11	14	1.50	8.30	25
Total Assets	82	133	162	254	168	299	488	491	770	1,109

Consolidated Cash Flows (in ₹ Crores)

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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	-16	-23	-5.97	16	-18	-4.90	50	27	33	8.74
Cash from Investing Activity	20	27	7.91	16	16	4.15	-81	-22	-6.75	-108
Cash from Financing Activity	-4.20	-2.81	-3.24	-31	9.24	-6.72	33	-6.90	-24	120
Net Cash Flow	0.07	1.50	-1.30	-0.17	7.35	-7.47	1.82	-1.70	2.47	20

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Promoters	72.32%	72.32%	72.32%	72.32%	72.32%	72.32%	72.32%	73.99%	73.99%	73.99%	73.99%	74.88%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	27.68%	27.68%	27.68%	27.68%	27.68%	27.68%	27.68%	26.01%	26.01%	26.01%	26.01%	25.12%
Total Shareholders	1,796	1,780	1,765	1,999	1,970	2,936	3,106	3,225	3,130	3,161	2,968	2,905

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Trading Admission

1 day ago

Saraswati Commercial shares admitted to trade on NSE

National Stock Exchange has admitted equity shares of Saraswati Commercial (India) Ltd. to dealings under the 'Permitted to Trade' category effective 20 April 2026.

Trading Admission

1 day ago

Saraswati Commercial shares admitted to trade on NSE (Permitted to Trade)

National Stock Exchange has admitted equity shares of Saraswati Commercial (India) Ltd (ZSARACOM) to dealings under the 'Permitted to Trade' category, effective 20-Apr-2026 (NSE Circular Ref. 0645/2026).

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Frequently Asked Questions about Saraswati Commercial (India) Ltd

Saraswati Commercial (India) Ltd (ZSARACOM) is currently trading at 10,000.00 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.

Saraswati Commercial (India) Limited is a Non-Banking Financial Company (NBFC) in India, primarily engaged in investment and securities trading and lending activities. The company follows prudential norms for asset classification and income recognition, owing to its asset size exceeding INR 500 crores, categorizing it as systemically important under RBI directions. Saraswati Commercial underwent structural changes with the amalgamation of Aroni Commercials Limited in 2017, expanding its business and subsidiaries, Sareshwar Trading and Arkaya Commercial Pvt Ltd. Allotted 390,593 Equity Shares to shareholders of Aroni Commercials Limited post-amalgamation, reflecting strategic maneuvering to integrate operations and expand corporate presence. The cessation of association with Mahotsav Trading and Finance Private Ltd in 2015 marked another strategic shift in the company's portfolio management.

Over the past 52 weeks, Saraswati Commercial (India) Ltd has traded between a low of ₹8,650.00 and a high of ₹17,889.80. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.

Saraswati Commercial (India) Ltd has a market capitalization of approximately 1,096.75. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.

Saraswati Commercial (India) Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 10.90 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 1,096.75 Cr, Saraswati Commercial (India) Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.

Saraswati Commercial (India) Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.

The Price-to-Earnings (PE) ratio of Saraswati Commercial (India) Ltd is 10.90. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.

Saraswati Commercial India Ltd

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Consolidated Quarterly Results (in ₹ Crores)

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Saraswati Commercial shares admitted to trade on NSE

Saraswati Commercial shares admitted to trade on NSE (Permitted to Trade)

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Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

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Frequently Asked Questions about Saraswati Commercial (India) Ltd

What is Saraswati Commercial (India) Ltd share price today?

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

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

Should I consider investing in Saraswati Commercial (India) Ltd stock?

Is Saraswati Commercial (India) Ltd a large-cap, mid-cap, or small-cap stock?

Which sector does Saraswati Commercial (India) Ltd belong to and why does it matter?

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

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