Saraswati Commer

Who are in the management team of Saraswati Commer?

As of March 2023, the management team of Saraswati Commer includes Ketan Desai, Avani Sanghavi, Ritesh Zaveri, Sandeep Kejariwal, Rupal Vora, Hetal Rajnikant Khalpada, and Vallabh Prasad Biyani, serving in various roles such as Independent Directors and Company Secretary.

As of March 2023, the management team of Saraswati Commer includes the following members:<BR><BR>1. Ketan Desai - Independent Director<BR>2. Avani Sanghavi - Company Secretary & Compliance Officer<BR>3. Ritesh Zaveri - Non-Executive Director<BR>4. Sandeep Kejariwal - Non-Executive Director<BR>5. Rupal Vora - Independent Director<BR>6. Hetal Rajnikant Khalpada - Non-Executive Director<BR>7. Vallabh Prasad Biyani - Independent Director<BR><BR>Each member holds a specific designation within the company, contributing to its governance and compliance.

Has Saraswati Commer declared dividend?

No Dividend History Available

Who are the peers of the Saraswati Commer?

Saraswati Commer's peers include PNB Gilts, Balmer Law. Inv., Arman Financial, and others, with varying management risks and growth rates. Its 1-year return is 49.34%, higher than PNB Gilts (-23.75%) but lower than Ashika Credit (360.33%).

Peers: The peers of Saraswati Commer are PNB Gilts, Balmer Law. Inv., Arman Financial, Centrum Capital, Mufin Green, Finkurve Fin., Ashika Credit, Capital India, Vardhman Hold., and Oswal Green Tech.<BR><BR>Quality Snapshot: Excellent management risk is observed at Arman Financial, Mufin Green, Finkurve Fin., Saraswati Commer, Ashika Credit, Capital India, and Vardhman Hold., while Average management risk is found at PNB Gilts. Below Average management risk is noted at Balmer Law. Inv., Centrum Capital, Mufin Green, Finkurve Fin., Ashika Credit, Capital India, Vardhman Hold., and Oswal Green Tech. Growth is Excellent at Arman Financial, Mufin Green, and Saraswati Commer, while Good growth is observed at Finkurve Fin. and Capital India, and Average growth is found at PNB Gilts, Ashika Credit, and Vardhman Hold. Below Average growth is noted at Balmer Law. Inv. and Centrum Capital. Capital Structure is Excellent at Balmer Law. Inv., Arman Financial, Mufin Green, Finkurve Fin., Ashika Credit, Capital India, and Vardhman Hold., while Below Average capital structure is found at PNB Gilts and Centrum Capital.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Ashika Credit at 360.33%, while the lowest is PNB Gilts at -23.75%. Saraswati Commer's 1-year return is 49.34%, which is significantly higher than PNB Gilts but lower than Ashika Credit. Additionally, Mufin Green, Ashika Credit, and Vardhman Hold. have negative six-month returns.

What does Saraswati Commer do?

Saraswati Commercial (India) Ltd is a small-cap Non Banking Financial Company (NBFC) involved in investment, trading in shares and securities, and lending activities. As of March 2025, it reported net sales of -262 Cr and a net profit of -230 Cr.

Overview: <BR>Saraswati Commercial (India) Ltd is a Non Banking Financial Company (NBFC) engaged in investment and trading in shares and securities, as well as lending activities, categorized as a small-cap company.<BR><BR>History: <BR>The company was incorporated on January 24, 1983, and is registered with the Reserve Bank of India. The latest quarterly results reported are for March 2025, showing a decline in both sales and profit.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: -262 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: -230 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: INR 1,471 Cr (Small Cap)<BR><BR>Key Metrics: <BR>P/E: 29.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 0.04 <BR>Return on Equity: 5.52% <BR>Price to Book: 1.52 <BR><BR>Contact Details: <BR>Address: 209/210 Arcadia Building, 2nd Floor 195 Nariman Point Mumbai Maharashtra : 400021 <BR>Tel: 91-22-66708600 <BR>Email: saraswati.investor@gcvl.in <BR>Website: http://www.saraswaticommercial.com

Who are the top shareholders of the Saraswati Commer?

The top shareholders of Saraswati Commer are Winro Commercial (India) Ltd with 22.77%, followed by Ageless Capital And Finance Private Limited at 5.83%, and individual investors holding 9.2%. There are no mutual funds or foreign institutional investors involved.

The top shareholders of Saraswati Commer include Winro Commercial (India) Ltd, which holds the largest stake at 22.77%. The highest public shareholder is Ageless Capital And Finance Private Limited, with a holding of 5.83%. Additionally, individual investors collectively own 9.2% of the company. There are currently no mutual funds or foreign institutional investors holding shares in Saraswati Commer.

How big is Saraswati Commer?

As of 24th July, Saraswati Commercial (India) Ltd has a market capitalization of 1,480.00 Cr, with Net Sales of 75.46 Cr and a Net Profit of 53.43 Cr for the latest four quarters. Shareholder's Funds are 697.19 Cr and Total Assets are 770.28 Cr as of March 2024.

As of 24th July, Saraswati Commercial (India) Ltd has a market capitalization of 1,480.00 Cr, categorizing it as a Small Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 75.46 Cr and a Net Profit of 53.43 Cr.<BR><BR>For the latest annual period ending March 2024, the Shareholder's Funds amounted to 697.19 Cr, while Total Assets were reported at 770.28 Cr.

How has been the historical performance of Saraswati Commer?

Saraswati Commer experienced significant fluctuations in financial performance, with net sales and profits declining from Mar'24 to Mar'25, while total liabilities and assets increased. Despite operational challenges, the company maintained a positive cash position with improved net cash inflow.

Answer:<BR>The historical performance of Saraswati Commer shows significant fluctuations in key financial metrics over the years.<BR><BR>Breakdown:<BR>Saraswati Commer's net sales have varied considerably, with a peak of 128.34 Cr in Mar'24, followed by a decline to 75.45 Cr in Mar'25. The total operating income mirrored this trend, decreasing from 128.34 Cr in Mar'24 to 75.45 Cr in Mar'25. Operating profit (PBDIT) also saw a decline from 125.17 Cr in Mar'24 to 70.43 Cr in Mar'25, while profit before tax followed suit, dropping from 123.47 Cr to 68.82 Cr in the same period. Profit after tax decreased from 103.90 Cr in Mar'24 to 53.43 Cr in Mar'25. The company's total liabilities increased significantly from 770.28 Cr in Mar'24 to 1,108.63 Cr in Mar'25, driven by a rise in short-term borrowings from 0.01 Cr to 42.66 Cr. Total assets also grew from 770.28 Cr to 1,108.63 Cr, with current investments rising sharply from 761.93 Cr to 1,083.92 Cr. The cash flow from operating activities decreased from 32.00 Cr in Mar'24 to 8.00 Cr in Mar'25, while the net cash inflow increased from 2.00 Cr to 20.00 Cr, indicating a positive cash position despite the operational challenges.

Are Saraswati Commer latest results good or bad?

Saraswati Commercial's latest Q2 FY26 results show strong quarter-on-quarter growth with a 155.73% increase in net profit, but year-on-year declines in both net profit and sales raise concerns about sustainability. Overall, the results are positive in the short term but indicate underlying challenges for future stability.

Saraswati Commercial's latest results for Q2 FY26 present a mixed picture. On one hand, the company reported a significant rebound in net profit, reaching ₹60.30 crores, which is a remarkable increase of 155.73% quarter-on-quarter (QoQ). Similarly, net sales surged to ₹73.28 crores, reflecting a 132.86% QoQ growth. The operating profit margin also remained exceptionally high at 98.88%, and the profit after tax (PAT) margin improved to 82.29%.<BR><BR>However, when looking at the year-on-year (YoY) performance, both net profit and net sales showed declines of 4.78% and 6.42%, respectively. Additionally, the half-yearly results reveal a concerning trend, with net sales down 28.51% and net profit down 27.55% compared to the same period last year.<BR><BR>While the quarterly results indicate a strong recovery from previous losses, the overall half-yearly performance raises questions about the sustainability of this growth. The company's average return on equity (ROE) has also declined to 5.52%, which is significantly below industry expectations.<BR><BR>In summary, while the latest quarterly results show strong sequential improvement, the year-on-year declines and half-yearly performance suggest underlying challenges that could impact future stability. Therefore, the results can be seen as good in the short term but concerning when viewed in a broader context.

Should I buy, sell or hold Saraswati Commer?

Is Saraswati Commer technically bullish or bearish?

As of November 13, 2025, the trend is mildly bearish, with daily moving averages indicating bearishness, while weekly indicators show mild bullishness, resulting in mixed signals and a lack of strong momentum.

As of 13 November 2025, the technical trend has changed from bearish to mildly bearish. The current stance is mildly bearish, driven by the daily moving averages indicating a bearish outlook, while the weekly MACD and KST show mild bullishness. The Bollinger Bands on the weekly chart are bullish, but the monthly indicators remain mildly bearish. Overall, the mixed signals suggest a lack of strong momentum in either direction, with the strength leaning towards a mild bearish sentiment.

Is Saraswati Commer overvalued or undervalued?

As of November 14, 2025, Saraswati Commer is considered very expensive with a PE ratio of 70.75 and an EV to EBIT ratio of 51.38, significantly higher than peers like Bajaj Finance and Life Insurance, indicating it is overvalued despite recent stock performance.

As of 14 November 2025, the valuation grade for Saraswati Commer has moved from expensive to very expensive. This suggests a significant increase in perceived valuation, indicating that the company is overvalued. Key ratios highlight this concern: the PE ratio stands at an exceptionally high 70.75, the EV to EBIT ratio is 51.38, and the ROE is a mere 2.01%. <BR><BR>In comparison to peers, Saraswati Commer's valuation metrics are starkly higher; for instance, Bajaj Finance has a PE ratio of 34.62 and an EV to EBITDA of 19.53, while Life Insurance shows a PE of 11.25 and an EV to EBITDA of 9.29. The disparity in these ratios underscores that Saraswati Commer is not only overvalued but also lacks the financial performance to justify such a premium. Despite a recent strong stock performance relative to the Sensex over the past week and month, the year-to-date and one-year returns indicate a troubling trend, further reinforcing the conclusion that Saraswati Commer is overvalued.

When is the next results date for Saraswati Commercial (India) Ltd?

The next results date for Saraswati Commercial (India) Ltd is 12 February 2026.

The next results date for Saraswati Commercial (India) Ltd is scheduled for 12 February 2026.

Why is Saraswati Commercial (India) Ltd falling/rising?

As of 06-Feb, Saraswati Commercial (India) Ltd's stock price has risen to Rs 12,471.00, up 4.47%, driven by increased investor interest and a trend reversal after prior declines. However, the stock faces long-term challenges, having underperformed the market over the past year and exhibiting weak fundamentals.

As of 06-Feb, Saraswati Commercial (India) Ltd is experiencing a rise in its stock price, currently at Rs 12,471.00, reflecting an increase of Rs 534.00 or 4.47%. This upward movement can be attributed to several factors. Firstly, the stock has outperformed its sector by 3.85% today and has shown a trend reversal after two consecutive days of decline. It opened with a gain of 4.47% and reached an intraday high of Rs 12,471, maintaining this price throughout the trading session.<BR><BR>Additionally, there has been a notable increase in investor participation, with delivery volume rising by 97.37% against the 5-day average, indicating heightened interest from investors. The stock is also trading above its 5-day moving averages, although it remains below its longer-term moving averages, suggesting a potential short-term recovery.<BR><BR>However, it is important to note that despite the current rise, the stock has significant long-term challenges. Over the past year, it has underperformed the market with a return of -25.09%, while the broader market has seen a gain of 7.07%. The company's fundamentals are weak, with a low return on equity of 12.84% and declining net sales and profits in recent periods. These factors contribute to a complex picture where the current rise may not be indicative of long-term strength.

Which are the latest news on Saraswati Commer?