B
Bharat Financial Inclusion Ltd(Merged))
BHARATFIN NSE
This stock has been delisted or merged and is no longer actively traded.
Bharat Financial Inclusion Ltd(Merged))
DelistedNSE: BHARATFIN
This stock has been delisted or merged and is no longer actively traded.
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
4- Company has reduced debt.
- Company is expected to give good quarter
- Company has delivered good profit growth of 28.7% CAGR over last 5 years
- Company's median sales growth is 39.7% of last 10 years
Weaknesses
2- Stock is trading at 2.98 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
Growth Rate
Revenue Growth
41% higher than
3Y
Net Income Growth
67% higher than
3Y
Quarterly Results
| Particulars | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 330 | 369 | 407 | 409 | 368 | 451 | 482 | 576 | 646 | 612 | 760 | 814 | 851 |
| Expenses | 123 | 137 | 143 | 144 | 476 | 180 | 156 | 181 | 238 | 227 | 244 | 224 | 243 |
| Operating Profit | 207 | 232 | 264 | 265 | -108 | 272 | 325 | 395 | 408 | 385 | 516 | 590 | 608 |
| OPM % | 63% | 63% | 65% | 65% | -29% | 60% | 68% | 69% | 63% | 63% | 68% | 72% | 71% |
| Other Income | 41 | 45 | 42 | 46 | 41 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |
| Interest | 134 | 136 | 158 | 164 | 165 | 176 | 179 | 183 | 189 | 199 | 205 | 204 | 181 |
| Depreciation | 3 | 2 | 3 | 3 | 4 | 3 | 3 | 4 | 4 | 3 | 4 | 5 | 6 |
| PBT | 110 | 139 | 146 | 143 | -235 | 93 | 143 | 209 | 215 | 183 | 308 | 381 | 421 |
| Tax % | 23% | -70% | 0% | 0% | 0% | 48% | 6% | 8% | 1% | 22% | 24% | 24% | 24% |
| Net Profit | 84 | 236 | 146 | 143 | -235 | 48 | 135 | 193 | 213 | 142 | 233 | 288 | 321 |
| EPS in Rs | 6.64 | 18.5 | 10.6 | 10.36 | -17.02 | 3.49 | 9.74 | 13.88 | 15.32 | 10.19 | 16.63 | 20.57 | 22.91 |
Profit & Loss
| Particulars | Mar 2007 | Mar 2008 | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 45 | 169 | 553 | 955 | 1,262 | 472 | 352 | 545 | 802 | 1,320 | 1,728 | 2,101 | 3,037 |
| Expenses | 27 | 80 | 225 | 390 | 733 | 1,586 | 500 | 257 | 326 | 434 | 900 | 924 | 938 |
| Operating Profit | 18 | 90 | 328 | 565 | 529 | -1,114 | -148 | 288 | 477 | 886 | 828 | 1,177 | 2,098 |
| OPM % | 41% | 53% | 59% | 59% | 42% | -236% | -42% | 53% | 59% | 67% | 48% | 56% | 69% |
| Other Income | 2 | 1 | 1 | 3 | 8 | 1 | 0 | 0 | 1 | 1 | 0 | 1 | 0 |
| Interest | 14 | 56 | 194 | 288 | 350 | 200 | 143 | 214 | 279 | 485 | 622 | 710 | 789 |
| Depreciation | 2 | 5 | 11 | 13 | 16 | 10 | 6 | 4 | 5 | 8 | 13 | 13 | 18 |
| PBT | 5 | 29 | 124 | 268 | 171 | -1,324 | -297 | 70 | 194 | 394 | 193 | 455 | 1,292 |
| Tax % | 51% | 43% | 35% | 35% | 35% | 3% | 0% | 0% | 3% | 23% | -50% | 0% | — |
| Net Profit | 2 | 17 | 80 | 174 | 112 | -1,361 | -297 | 70 | 188 | 303 | 290 | 455 | 985 |
| EPS in Rs | — | — | — | — | 15.44 | -188 | -27.46 | 6.46 | 14.86 | 23.8 | 20.99 | 32.7 | 70.3 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | — |
Balance Sheet
| Particulars | Mar 2007 | Mar 2008 | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 27 | 44 | 48 | 65 | 72 | 72 | 108 | 108 | 126 | 127 | 138 | 139 | 140 |
| Reserves | 45 | 168 | 608 | 894 | 1,708 | 362 | 282 | 351 | 920 | 1,256 | 2,309 | 2,859 | 4,084 |
| Borrowings | 249 | 790 | 2,146 | 2,695 | 2,235 | 1,021 | 1,618 | 1,531 | 3,280 | 5,130 | 7,125 | 7,617 | 4,778 |
| Other Liabilities | 15 | 87 | 237 | 403 | 310 | 266 | 503 | 507 | 372 | 641 | 846 | 915 | 1,226 |
| Total Liabilities | 335 | 1,089 | 3,039 | 4,055 | 4,326 | 1,722 | 2,511 | 2,497 | 4,699 | 7,154 | 10,418 | 11,531 | 10,229 |
| Fixed Assets | 5 | 14 | 18 | 23 | 28 | 20 | 11 | 10 | 9 | 15 | 22 | 22 | 31 |
| CWIP | 0 | 1 | 1 | 2 | 3 | 0 | 0 | 2 | 1 | 1 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Assets | 330 | 1,074 | 3,020 | 4,031 | 4,292 | 1,701 | 2,500 | 2,486 | 4,688 | 7,137 | 10,395 | 11,509 | 10,198 |
| Total Assets | 335 | 1,089 | 3,039 | 4,055 | 4,326 | 1,722 | 2,511 | 2,497 | 4,699 | 7,154 | 10,418 | 11,531 | 10,229 |
Cash Flow
| Particulars | Mar 2007 | Mar 2008 | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | -192 | -432 | -277 | -1,226 | — | — | — | — | — | — | — | — |
| Investing | -4 | -25 | -230 | 14 | — | — | — | — | — | — | — | — |
| Financing | 233 | 665 | 1,564 | 671 | — | — | — | — | — | — | — | — |
| Net Cash Flow | 38 | 208 | 1,057 | -541 | — | — | — | — | — | — | — | — |
| Free Cash Flow | -194 | -446 | -292 | -1,244 | — | — | — | — | — | — | — | — |
| CFO/OP | -1,038 | -466 | -70 | -200 | — | — | — | — | — | — | — | — |
Ratios
| Particulars | Mar 2007 | Mar 2008 | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 1 | 0 | 1 | 1 | 0 | 0 | 1 | 2 | 2 | 2 | 2 | 2 |
| Cash Conversion Cycle | 1 | 0 | 1 | 1 | 0 | 0 | 1 | 2 | 2 | 2 | 2 | 2 |
| Working Capital Days | 2,081 | 1,536 | 813 | 1,008 | 959 | 376 | 1,121 | 847 | 1,102 | 1,152 | 1,165 | 1,250 |
| ROCE % | 9% | 13% | 17% | 17% | 14% | -41% | -9% | 14% | 15% | 16% | 10% | 12% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Bharat Financial Inclusion Ltd(Merged)) insights
46 extracted metrics + investor summaries across FY07–FY19.
Documents
1
Copy of Newspaper Publication
10 February 2026 - Published extract of Unaudited Financial Results for quarter/nine months ended 31st Dec 2025; clipping filed. 10 February 2026 - Published extract of Unaudited Financial Results for quarter/nine months ended 31st Dec 2025; clipping filed.
2
Outcome of Board Meeting
9 February 2026 - Board approved unaudited Q3 and 9M results (ended 31-Dec-2025); limited review; Rs41.39L exceptional gratuity impact. 9 February 2026 - Board approved unaudited Q3 and 9M results (ended 31-Dec-2025); limited review; Rs41.39L exceptional gratuity impact.
3
Reply to Clarification- Financial results
5 February 2026 - Clarifies H1 FY2025-26 standalone and consolidated figures identical; wholly-owned subsidiaries inoperative and being closed. 5 February 2026 - Clarifies H1 FY2025-26 standalone and consolidated figures identical; wholly-owned subsidiaries inoperative and being closed.
4
Clarification - Financial Results
13 January 2026 - Exchange has sought clarification from Uniinfo Telecom Services Limited for the quarter ended 30-Sep-2025 with respect to Regulation 33 of the SEBI (LODR) Regulations, 2015. … 13 January 2026 - Exchange has sought clarification from Uniinfo Telecom Services Limited for the quarter ended 30-Sep-2025 with respect to Regulation 33 of the SEBI (LODR) Regulations, 2015. …
5
Certificate under SEBI (Depositories and Participants) Regulations, 2018
6 January 2026 - Certificate under Reg 74(5) confirming dematerialisation for quarter ended 31 Dec 2025. 6 January 2026 - Certificate under Reg 74(5) confirming dematerialisation for quarter ended 31 Dec 2025.
Frequently Asked Questions about Bharat Financial Inclusion Ltd(Merged))
What does Bharat Financial Inclusion Ltd(Merged)) do?
Bharat Financial Inclusion is a non-banking financial company-micro finance institution (NBFC-MFI). The Company is engaged in providing micro finance services to women in the rural areas of India enrolled as members and organized as Joint Liability Groups. In addition to its business of providing...
Where is Bharat Financial Inclusion Ltd(Merged)) (BHARATFIN) listed?
Bharat Financial Inclusion Ltd(Merged)) trades as BHARATFIN on the NSE.
Company Information
Bharat Financial Inclusion is a non-banking financial company-micro finance institution (NBFC-MFI). The Company is engaged in providing micro finance services to women in the rural areas of India enrolled as members and organized as Joint Liability Groups. In addition to its business of providing micro-credit, the Company uses its distribution channel to provide other financial products and services to the members.
Website bfil.co.in
Face Value ₹ 10
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