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.

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.

Are Saraswati Commercial (India) Ltd latest results good or bad?

Saraswati Commercial (India) Ltd's latest results are concerning, with a 58.96% decline in net profit and a 55.39% drop in net sales compared to the previous quarter. The company's weak profitability metrics and significant stock underperformance suggest caution for investors.

The latest results for Saraswati Commercial (India) Ltd are concerning. In the third quarter of FY26, the company reported a net profit of ₹24.75 crores, which represents a significant decline of 58.96% compared to the previous quarter. Similarly, net sales fell dramatically by 55.39% to ₹32.69 crores. This erratic performance is part of a broader trend of extreme volatility in their quarterly results, which has raised red flags for investors.<BR><BR>The company's profitability metrics are also weak, with a return on equity (ROE) of 12.84%, which is considered below average for the sector. Furthermore, the stock has underperformed significantly over the past year, declining 9.43%, while the broader market and the NBFC sector have seen gains.<BR><BR>Overall, the results indicate a troubling trend for Saraswati Commercial, characterized by high income volatility, weak profitability, and a lack of institutional investor confidence. This combination of factors suggests that the latest results are not favorable and may warrant caution for current and potential investors.

Should I buy, sell or hold Saraswati Commercial (India) Ltd?

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

As of 11-Apr, Saraswati Commercial (India) Ltd's stock price is currently Rs 10,150.00, reflecting a daily increase of 2.24%. Despite this rise, the stock has underperformed its sector and shows mixed performance over different periods, indicating potential longer-term challenges.

As of 11-Apr, Saraswati Commercial (India) Ltd's stock price is rising, currently at Rs 10,150.00, reflecting an increase of Rs 222.75 or 2.24%. This rise is supported by the stock touching an intraday high of Rs 10,449, which represents a 5.26% increase during the trading day. However, it is important to note that despite this daily performance, the stock has underperformed its sector by 1.3%. <BR><BR>In the context of broader market trends, the stock has shown mixed performance over different periods. While it has gained significantly over the last three years at +298.55% and five years at +314.40%, it has struggled in the shorter term, with a year-to-date decline of -20.51% and a one-year decline of -18.10%. <BR><BR>Additionally, the stock's moving averages indicate that while it is performing better than the 5-day and 20-day moving averages, it remains below the 50-day, 100-day, and 200-day moving averages, suggesting that it may still be facing longer-term challenges. Furthermore, there has been a notable decrease in investor participation, with delivery volume falling by 42.18% against the 5-day average, which could impact future price movements. <BR><BR>Overall, while the stock is experiencing a rise on the day, the broader context of its performance and investor participation suggests caution.

Which are the latest news on Saraswati Commer?