| Periods | 1 Week | 1 Month | 3 Months | 6 Months | 1 Year | 3 Years | All Time |
|---|---|---|---|---|---|---|---|
| Primex-40 | |||||||
| Mahindra Rural Housing Finance Limited |
|
Particular |
31-03-2025 |
31-03-2024 |
|
Financial Assets |
|
|
|
Cash and cash equivalents |
13,599.02 |
57,673.26 |
|
Bank balance |
9,760.39 |
16,954.93 |
|
Loans |
6,89,373.07 |
6,93,329.82 |
|
Investments |
40,200.08 |
24,019.23 |
|
Other financial assets |
1,144.61 |
1,058.51 |
|
Non-financial Assets |
|
|
|
Current tax assets |
1,790.67 |
2,905.66 |
|
Deferred tax assets |
18,542.23 |
10,900.05 |
|
Property, Plant and Equipment |
9,696.16 |
12,165.95 |
|
Other intangible assets |
301.54 |
583.23 |
|
Other non-financial assets |
3,326.03 |
3,500.05 |
|
Total Assets |
7,87,733.80 |
8,23,090.69 |
|
Financial Liabilities |
|
|
|
Derivative financial instruments |
156.25 |
- |
|
Trade payables: |
|
|
|
total outstanding dues of micro & small enterprises |
6.6 |
21.51 |
|
total outstanding dues of creditors other than micro & small
enterprises |
2,927.66 |
4,185.39 |
|
Other Payables: |
|
|
|
total outstanding dues of creditors other than micro & small
enterprises |
24.5 |
22.3 |
|
Debt securities |
3,65,707.51 |
3,28,786.28 |
|
Borrowings |
2,13,273.53 |
2,74,065.21 |
|
Subordinated liabilities |
57,425.96 |
48,330.47 |
|
Other financial liabilities |
20,447.46 |
16,917.53 |
|
Non-Financial Liabilities |
|
|
|
Provisions |
1,281.84 |
1,372.09 |
|
Other non-financial liabilities |
452.48 |
580.95 |
|
Equity |
|
|
|
Equity share capital |
12,245.96 |
12,233.07 |
|
Other equity |
1,13,784.05 |
1,36,575.89 |
|
Total Liabilities and Equity |
7,87,733.80 |
8,23,090.69 |
|
Particular |
31-03-2025 |
31-03-2024 |
|
Revenue from operations |
|
|
|
Interest income |
1,16,220.85 |
1,24,425.67 |
|
Fees, charges and commission income |
1,142.21 |
726.71 |
|
Net gain / (loss) on fair value changes |
1,315.59 |
2,049.86 |
|
Other income |
991.42 |
2,241.35 |
|
Total Income |
1,19,670.07 |
1,29,443.59 |
|
Expenses |
|
|
|
Finance costs |
52,169.27 |
53,625.65 |
|
Fees and commission expenses |
499.63 |
757.87 |
|
Impairment on financial instruments |
46,029.11 |
13,360.89 |
|
Employee benefits expenses |
33,156.45 |
41,924.75 |
|
Depreciation, amortisation and impairment |
3,227.67 |
3,287.87 |
|
Other expenses |
15,045.51 |
16,002.39 |
|
Total Expenses |
1,50,127.64 |
1,28,959.42 |
|
Profit / (Loss) before tax |
-30,457.57 |
484.17 |
|
Deferred tax |
-7,663.62 |
123.68 |
|
Profit / (Loss) for the year |
-22,793.95 |
360.49 |
|
Other Comprehensive Income |
|
|
|
Items that will not be reclassified to profit or loss: |
|
|
|
Re-measurement gain / (loss) on defined benefit plans |
-3.91 |
-120.46 |
|
Income tax relating to items that will not be reclassified to profit
or loss |
0.98 |
30.32 |
|
Items that will be reclassified to profit or loss: |
|
|
|
Net gain / (loss) on debt instruments through OCI |
89.09 |
140.46 |
|
Income tax relating to items that will be reclassified to profit or
loss |
-22.42 |
-35.35 |
|
Total Comprehensive Income |
-22,730.21 |
375.46 |
|
Earnings per equity share |
|
|
|
Basic |
-18.62 |
0.29 |
|
Diluted |
-18.62 |
0.29 |
|
Particular |
31-03-2025 |
31-03-2024 |
|
Cash Flow From Operating Activities |
|
|
|
Profit before taxes |
-30,457.57 |
484.17 |
|
Adjustments for: |
|
|
|
Depreciation, amortization and impairment |
3,227.67 |
3,287.87 |
|
Impairment on financial instruments |
51,219.00 |
19,991.35 |
|
Interest income |
-1,16,227.45 |
-1,24,425.68 |
|
Interest expense |
52,101.71 |
53,390.85 |
|
Net (gain) / loss on derecognition of property, plant and equipment |
52.91 |
-15.94 |
|
Share-based payments to employees |
-135.14 |
141 |
|
Net (gain) / loss on sale of investments |
-1,260.92 |
-2,208.25 |
|
Net (gain)/ loss on fair value changes |
-54.67 |
158.39 |
|
Operating profit / (loss) before working capital changes |
-41,534.46 |
-49,196.24 |
|
Adjustments for changes in working capital: |
|
|
|
Loans |
-44,733.90 |
-27,274.76 |
|
Other financial assets |
253.2 |
1,480.96 |
|
Other non-financial assets |
110.54 |
-136.86 |
|
Trade payable |
-1,270.44 |
-160.8 |
|
Other liabilities |
4,518.04 |
584.95 |
|
Provisions |
-94.16 |
-228.69 |
|
Cash generated from operations |
-82,751.18 |
-74,931.44 |
|
Interest received |
1,13,692.50 |
1,22,903.82 |
|
Interest paid |
-52,318.36 |
-56,073.77 |
|
Income tax paid |
1,114.99 |
-984.77 |
|
Net Cash Generated From Operating Activities |
-20,262.05 |
-9,086.16 |
|
Cash Flow from Investing Activities |
|
|
|
Purchase of Property, Plant and Equipment and Intangible assets |
-557.66 |
-1,880.47 |
|
Proceeds from sale of Property, Plant and Equipment |
226.88 |
147.28 |
|
Purchase of investments |
-4,07,628.73 |
-3,16,944.65 |
|
Proceeds from sale of investments |
3,92,856.60 |
3,29,284.05 |
|
Investments in term deposits with banks |
-9,500.21 |
-91,203.47 |
|
Proceeds from term deposits with banks |
16,372.47 |
1,63,533.87 |
|
Net Cash Generated From Investing Activities |
-8,230.65 |
82,936.61 |
|
Cash Flow from Financing Activities |
|
|
|
Proceeds from borrowings through Debt Securities |
1,67,462.50 |
1,75,037.50 |
|
Repayment of borrowings through Debt Securities |
-1,30,000.00 |
-1,74,500.00 |
|
Proceeds from borrowings through Subordinated Liabilities |
10,000.00 |
- |
|
Repayment of borrowings through Subordinated Liabilities |
-1,000.00 |
- |
|
Proceeds from Borrowings |
77,875.00 |
82,700.00 |
|
Repayment of Borrowings |
-1,38,535.31 |
-1,29,796.07 |
|
Payments of lease liability |
-1,383.73 |
-1,250.61 |
|
Net Cash Generated from Financing Activities |
-15,581.54 |
-47,809.18 |
|
Net Increase/(Decrease) in cash & cash equivalents |
-44,074.24 |
26,041.27 |
|
Cash & cash equivalents at the beginning of the year |
57,673.26 |
31,631.99 |
|
Cash & cash equivalents at the end of the year |
13,599.02 |
57,673.26 |
|
Cash on hand |
800.58 |
954.32 |
|
Balances with banks in current accounts |
2,849.25 |
2,080.58 |
|
Term deposits |
9,949.19 |
54,638.36 |
|
Total |
13,599.02 |
57,673.26 |
Here is a summary of the Cash Flow
Statement for the years 2025 and 2024:
Cash Flow from
Operating Activities
The company reported
a loss
before tax of ₹30,457.57 lakhs, significantly lower than the
prior year 's profit. After accounting for adjustments like depreciation,
impairment losses, interest expenses, and changes in working capital (notably a
₹44,733.90 lakhs outflow for loans), the net cash used in operating activities
stood at ₹20,262.05
lakhs. This reflects reduced collections and increased lending
activities compared to the previous year’s negative cash flow of ₹9,086.16
lakhs.
Cash Flow from
Investing Activities
Investing activities
resulted in a net cash outflow of ₹8,230.65 lakhs.
Major outflows included purchase of investments worth ₹4,07,628.73 lakhs and
investment in term deposits. These were partially offset by proceeds
from sales of investments and deposits, which together amounted
to over ₹4,09,000 lakhs. Compared to FY 2024’s strong positive inflow of
₹82,936.61 lakhs, the current year indicates a significant shift toward capital
deployment.
Cash Flow from
Financing Activities
Financing activities
showed a net
outflow of ₹15,581.54 lakhs. Though the company raised funds
via debt
securities (₹1,67,462.50 lakhs) and borrowings,
substantial repayments (₹1,30,000 lakhs in debt securities and ₹1,38,535.31
lakhs in borrowings) and lease payments dragged down the overall financing
inflow. The prior year also saw a net outflow of ₹47,809.18 lakhs.
Net Movement in
Cash
Overall, the company
experienced a net decrease in cash and cash equivalents of ₹44,074.24
lakhs, reducing the balance from ₹57,673.26 lakhs at the start
of the year to ₹13,599.02 lakhs at the end of FY 2025.
