Vastu Housing Finance Annual Report and Financials

Particulars

31-03-2025

31-03-2024

Financial assets

Cash and cash equivalents

33,544.79

59,098.22

Bank balances

18,924.54

28,284.60

Trade receivables

965.11

2,6,87.36

Loans

9,69,272.29

7,52,764.16

Investments

39,816.08

50,051.69

Other financial assets

34,855.73

34,384.80

Non-Financial assets

Current tax assets (net)

1,738.49

625.40

Property, plant and equipment

1,166.07

1,067.27

Other intangible assets

170.74

29.83

Right-of-use assets

1,793.78

1,847.77

Other non-financial assets

1,347.88

860.23

Assets held for sale

244.94

2,265.79

Total Assets

11,03,840.44

9,33,967.12

Financial liabilities

Total outstanding dues of micro and small enterprises

1.18

10.71

Total outstanding dues to creditors other than

micro and small enterprises

3,796.69

3,218.80

Debt securities

35,059.92

41,210.79

Borrowings (other than debt securities)

6,70,001.01

4,73,548.49

Lease liability

1,917.30

2,009.71

Derivative financial instruments

1,182.76

-

Other financial liabilities

8,007.51

62,488.05

Non-Financial liabilities

Provisions

232.83

174.92

Deferred tax liabilities (net)

6,460.15

7,218.36

Other non-financial liabilities

1,820.71

4,321.69

Equity

Equity share capital

68,746.21

67,657.33

Other equity

3,06,614.17

2,72,108.27

Total liabilities and equity

11,03,840.44

9,33,967.12

Particulars

31-03-2025

31-03-2024

Revenue from operations

Interest income

1,33,022.67

1,04,315.93

Fees and commission income

5,498.51

4,192.41

Net gain on derecognition of financial instruments

under amortised cost category

545.72

13,491.34

Net gain on fair value change

1,628.72

1,338.86

Other operating income

4,386.88

2,130.01

Other income

8.57

7.00

Total income

1,45,091.07

1,25,475.56

Expenses

Finance costs

53,355.69

42,368.22

Impairment on financial instruments

7,817.43

4,220.37

Employee benefits expenses

33,787.23

25,158.48

Depreciation and amortisation expenses

1,640.15

1,313.16

Other expenses

7,483.31

5,414.75

Total expenses

1,04,083.81

78,474.98

Profit before tax

41,007.26

47,000.58

Current tax

9,264.80

7,274.29

Earlier year tax

44.75

74.00

Deferred tax

-694.52

3,560.23

Profit for the year

32,392.23

36,092.05

Other Comprehensive Income

Items that will not be reclassified subsequently to

statement of profit or loss

Actuarial gain/(loss) on post retirement benefit plans

147.12

-28.25

Income tax on above

-37.02

7.10

Items that will be reclassified subsequently to

statement of profit or loss

The effective portion of gain/ (loss) on hedging instruments

in a cash flow hedge

-400.26

-

Income tax relating to effective portion of gain/ (loss) on

hedging instrument in a cash flow hedge

100.71

-

Total comprehensive income for the year

32,202.78

36,070.91

Earnings per equity share (Face Value 100/- each)

Basic

47.40

56.77

Diluted

45.72

54.05

Particulars

31-03-2025

31-03-2024

Cash Flow From Operating Activites

Profit/(Loss) before taxation

41,007.26

47,000.58

Adjustment for:

Depreciation and amortisation expenses

533.03

393.09

Depreciation and amortisation expenses (ROU)

1,107.12

920.07

Net gain on fair value changes (unrealised)

-

-50.68

Net gain on fair value changes

-1,628.72

-1,288.18

Interest on fixed deposits/government securities

-6,623.81

-5,208.09

Interest on lease liability

189.43

205.50

Other interest income

-28.97

-

Impairment of financial assets

7,817.43

4,220.37

Employee stock option

2,378.08

894.24

(Profit)/loss on sale of property, plant & equipment

-2.37

0.61

Other comprehensive income

-189.45

-21.15

Operating profit before working capital changes

44,559.03

47,066.36

Adjustment for:

Decrease/(increase) in non-financial assets

1,533.20

476.34

Decrease/(increase) in financial assets

2,209.03

-13,698.93

(Decrease)/increase in financial liabilities

-52,502.74

13,696.34

(Decrease)/increase in non financial liabilities

-2,518.75

1,644.66

Cash generated from operations

-6,720.24

49,184.76

Direct taxes paid (net)

-10,410.66

-7,057.02

Net loans disbursed

-2,25,061.58

-2,39,244.76

Net cash used in operating activities

-2,42,192.48

-1,97,117.02

Cash Flow From Investing Activities

Investments in equity share of co-operative bank

(0.03)

-

Investments in mutual fund units

-5,56,196.36

-3,31,041.77

Redemption of mutual fund units

5,74,876.58

3,22,391.83

Investment in government securities(net)

-988.93

-15,110.24

Investments in Security receipts

-3,348.00

-

Interest on fixed deposits

3,725.48

3,917.33

Acquisition/ purchase/ sale of property, plant &

equipment and intangible assets (net)

-623.37

-708.17

Acquisition of assets on business combination

-147.00

-

Investment in bank deposits

-2,89,417.53

-3,76,546.00

Proceeds from redemption of bank deposit

2,98,777.60

3,60,359.74

Net cash used in investment activities

26,658.43

-36,737.28

Cash Flow From Financing Activities

Proceeds from issue of equity share (net)

1,013.94

62,010.84

Payment of lease liabilities

-1,334.97

-1,080.03

Proceeds from borrowings

3,82,603.98

3,00,157.45

Repayment of borrowings

-1,92,302.33

-1,33,006.45

Net cash generated from financing activities

1,89,980.62

2,28,081.91

Net (decrease)/increase in cash and cash equivalents

-25,553.43

-5,772.39

Cash and cash equivalents at the beginning of the year

59,098.22

64,870.61

Cash and cash equivalents at the end of the year

33,544.79

59,098.22