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SMILE Microfinance Annual Reports, Balance Sheet and Financials

Smile Microfinance Limited (Smile Microfinance) Return Comparision with Primex 40 Index

Periods 1 Week 1 Month 3 Months 6 Months 1 Year 3 Years All Time
Primex-40
Smile Microfinance Limited

SMILE Microfinance Limited Balance Sheet (In Rs. Lakhs)

Particulars

2020

2019

ASSETS

   

FINANCIAL ASSETS

   

Cash and Cash equivalents

8,190.53

10,994.99

Loans

59,039.91

50,605.37

Other financial assets

488.86

510.52

TOTAL FINANCIAL ASSETS

67,719.30

62,110.88

NON FINANCIAL ASSETS

   

Tax assets

463.36

424.9

Tangible assets

155.23

72.56

Intangible assets

92.61

14.22

Other non financialassets

103.59

32.92

TOTAL NON FINANCIAL ASSETS

814.79

544.6

TOTAL ASSETS

68,534.09

62,655.48

EQUITY AND LIABILITIES

   

EQUITY

   

Equity share capital

1,733.96

1,733.96

Other equity

12,694.21

11,513.99

TOTAL EQUITY

14,428.17

13,247.95

LIABILITIES

   

FINANCIAL LIABILITIES

   

Payables

141.99

115.71

Debt securities

12,701.62

13,182.25

Borrowings

39,464.39

35,646.87

Other financial liabilities

1,130.68

138.66

TOTAL FINANCIAL LIABILITIES

53,438.68

49,083.49

NON FINANCIAL LIABILITIES

   

Tax liabilities

0

0

Provisions

325.45

219.2

Other non financial liabilities

341.79

104.84

TOTAL NON FINANCIAL LIABILITIES

667.24

324.04

TOTAL LIABILITIES

54,105.92

49,407.53

TOTAL EQUITY AND LIABILITIES

68,534.09

62,655.48

SMILE Microfinance Limited Profit & Loss Statement (In Rs. Lakhs) 

Particulars

2020

2019

2018

2017

Interest Income

12,235.63

11,341.61

9,962.04

7,024.19

Other Income

676.19

551

199.57

106.57

Total Income

12,911.82

11,892.61

10,161.61

7,130.76

Expenses

10,934.04

9,078.45

7,708.6

5,723.05

Profit before Tax

1,977.78

2,814.16

2,453.01

1,407.71

Tax

723.41

667.69

769.5

573.36

Profit After Tax

1,254.37

2,146.47

1,683.51

834.35

PAT margin

9.71%

18.05%

16.57%

11.70%

EPS

7.17

12.38

9.71

4.81

SMILE Microfinance Limited Dividend History

Particulars

2020

2019

2018

Dividend (In Rs.) (final + interim)

Nil

Nil

Nil

Retained Earnings (Consolidated) (In Rs. Lakhs)

7,163.50

6,168.22

4,541.22

SMILE Microfinance Limited Performance

  • The interest Income of the company increased by 7.88% from Rs. 11,341.61 Lakhs in FY 2019 to Rs. 12,235.63 Lakhs in FY 2020.

  • Despite an increase of 8.57% in total income in FY 2020, the Profit After Tax of the company declined by 41.56% from Rs. 2,146.47 Lakhs in FY 2019 to Rs. 1,254.37 Lakhs in FY 2020.
  • The capital adequacy ratio of the company was 20.85% as of 31st March 2020. The minimum requirement for a capital adequacy ratio is 15% intimated by RBI.
  • The total loan asset under management of the company increased to Rs. 60,647 Lakhs in FY 2020, an increase of 18% from Rs. 51,500 Lakhs in FY 2019.
  • The company’s total borrowings increased by 10% to Rs. 39,464.39 Lakhs in FY 2020, from Rs. 35,646.87 Lakhs. Total Loan given increased by 16% from Rs. 50,605.37 Lakhs in FY 2019 to Rs. 59,039.91 lakhs in FY 2020.
  • Gross NPA stood at 0.22% and Net NPA stood at Nil as of March 31, 2020, as against Gross NPA of 0.26% and Net NPA of Nil as on March 31, 2019.
  • The company has not given any dividends for the past 3 years.
  • In FY 2020, the company opened new branches in Chhattisgarh, Jharkhand, Karnataka, and Madhya Pradesh. 

 

Annual Report

Smile Microfinance Annual Report 2019-20

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Smile Microfinance Annual Report 2021-22

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Smile Microfinance Annual Report 2021-2023

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Smile Microfinance Annual Report 2020-21

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