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Northlink Fiscal and Capital Services financials: balance sheet, profit and loss, cash flow

BSE: 539110FinanceSmall Cap

Northlink Fiscal and Capital Services Ltd. · Face value ₹10 · Listed Apr 2015
Last close ₹25.50up ₹0.07 (0.28%)

Share price at the BSE close on 29 Oct 2026. Previous close ₹25.43.

29 Oct: open ₹25.43, high ₹25.50, low ₹24.20

52-week range of traded prices to 29 Oct 2026
₹14.31Low, 13 Jan 2026₹49.21High, 10 Sep 2026
Market cap
₹13 Cr4,668th largest listed
P/E
456.91
P/B
2.60
Dividend yield
Nonein the last 12 months
ROE
0.6%
NIM
11.08%
Cost of funds
9.52%
Credit cost
0.15%
ROA
1.77%
Leverage
1.30times net worth
Volume, BSE
57,046

Northlink Fiscal and Capital Services' financial statements for the 10 years to Mar 2026, as a lender reports them, standalone: the listed company alone, without its subsidiaries, with the twelve months to Jun 2026 after them.

10 years at a glance

Standalone, laid out as a lender that is not a bank files them. A lender's lines are blank for the years to Mar 2017, Mar 2018, Mar 2019 and Mar 2020: the company's accounts for those years show under half its income as interest, which is not a lender's business.Northlink Fiscal and Capital Services annual reports

Net interest income, Net profit, ₹ crore

  • Net interest income
  • Net profit
  • Loss
0.1Mar 170.1Mar 180.0Mar 190.2Mar 200.50.2Mar 210.50.0Mar 220.50.1Mar 230.4−0.2Mar 240.3−0.8Mar 250.40.1Mar 26

Net interest margin, Return on assets, per cent

  • Net interest margin
  • Return on assets
12.7%−11.4%12.7%11.7%11.9%9.8%7.0%11.1%2.5%0.3%0.9%−2.2%−11.4%1.8%Mar 17Mar 19Mar 21Mar 23Mar 25Mar 26

Income

₹ crore, years to March.

₹ croreMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total income––––1.660.560.500.500.400.77
Interest earned––––0.530.520.490.500.390.50
Interest paid––––0.030.020.000.070.120.10
Net interest income––––0.510.490.490.430.270.40
––––1.130.040.010.000.000.27
Fees and commission––––0.000.000.000.000.000.08
Gains on fair value changes––––0.000.000.000.000.000.00
Sale of products––––1.060.000.000.000.000.00
Other operating revenue–––––0.040.01––0.01
Income outside operations––––0.070.000.000.000.000.18
The lines under it are parts of it, not all of it.––––1.490.410.460.531.040.53
Profit before provisions––––0.140.120.04−0.09−0.770.14
Set aside for bad loans––––0.000.090.000.000.000.01
Exceptional items––––0.000.000.000.000.000.00
Profit before tax0.100.090.090.170.140.030.04−0.09−0.770.13
0.030.020.13−0.03−0.040.02−0.020.060.020.02
Net profit0.070.07−0.040.200.180.020.06−0.15−0.780.12
Other comprehensive income–––0.000.000.000.000.000.000.00
Total comprehensive income–––0.200.180.020.06−0.15−0.780.12
Earnings per share₹0.23₹0.14–₹0.38₹0.34₹0.03₹0.11−₹0.29−₹1.49₹0.22
Diluted earnings per share₹0.23₹0.14–₹0.38₹0.34₹0.03₹0.11−₹0.29−₹1.49₹0.22

Balance sheet

₹ crore, at 31 March.

₹ croreMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total assets––6.666.376.507.386.406.83
Loans given––4.523.934.294.503.323.84
Investments––0.000.000.010.010.010.01
Deposits––0.000.000.000.000.00–
Borrowings––0.220.050.111.160.831.22
––5.965.986.015.845.045.15
Share capital5.255.255.255.255.255.255.255.25
Reserves0.470.540.710.730.760.59−0.21−0.10

Margins and returns

Per cent a year, on the average of the opening and closing balance sheets.

FigureMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Net interest margin12.75%11.70%11.89%9.79%6.96%11.08%
Yield on interest-earning assets13.39%12.22%11.97%11.36%10.05%13.80%
Cost of funds11.35%16.82%4.33%10.89%12.15%9.52%
Spread2.04%−4.60%7.64%0.47%−2.10%4.29%
Cost to income91.41%77.42%91.91%121.83%378.48%79.16%
Credit cost0.00%2.06%0.00%0.00%0.00%0.15%
Return on assets2.53%0.27%0.91%−2.19%−11.35%1.77%
Assets per rupee of net worth1.201.091.071.171.271.30
Return on equity3.04%0.29%0.97%−2.56%−14.38%2.30%

Where the return on assets comes from

Per cent of average total assets, a year. Each line adds to the one below it.

Per centMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Net interest income7.17%7.59%7.61%6.21%3.96%6.02%
Other income15.97%0.59%0.13%0.05%0.03%4.12%
Operating expenses21.15%6.34%7.12%7.62%15.11%8.03%
Profit before provisions1.99%1.85%0.63%−1.37%−11.12%2.11%
Set aside for bad loans0.00%1.33%0.00%0.00%0.00%0.08%
Exceptional items0.00%0.00%0.00%0.00%0.00%0.00%
Profit before tax1.99%0.51%0.63%−1.37%−11.12%2.04%
Tax−0.54%0.25%−0.28%0.82%0.23%0.26%
Associates and businesses sold or closed0.00%0.00%0.00%0.00%0.00%0.00%
Return on assets2.53%0.27%0.91%−2.19%−11.35%1.77%

Cash flow

Standalone, ₹ crore, years to March.

₹ croreMar 2021Mar 2022Mar 2023Filed 30 MayMar 2024Mar 2025Mar 2026
Cash from operations1.020.540.20−0.41−0.670.42
Capital spending0.000.000.001.000.170.00
Free cash flow1.010.540.20−1.41−0.840.42
Cash from investing−1.070.03−0.30−0.711.40−0.20
Cash from financing−0.04−0.190.040.98−0.450.29
Dividends paid0.000.000.000.000.000.00
Shares bought back0.000.000.000.000.000.00
Shares issued0.000.000.000.000.000.00
Net change in cash−0.100.37−0.06−0.130.280.51
Capital spending is part of cash from investing, and dividends paid, shares bought back and shares issued are part of cash from financing. Each is shown as an amount on a line of its own, and the section's other items are in its total only. No cash flow statement is on record for the years to Mar 2017, Mar 2018, Mar 2019 and Mar 2020.

Per share

Standalone, ₹ per share, years to March.

₹ per shareMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Filed 30 MayMar 2024Mar 2025Mar 2026
Earnings per share₹0.23₹0.14–₹0.38₹0.34₹0.03₹0.11−₹0.29−₹1.49₹0.22
Diluted earnings per share₹0.23₹0.14–₹0.38₹0.34₹0.03₹0.11−₹0.29−₹1.49₹0.22
Book value per share––₹10.89₹11.02₹11.35₹11.38₹11.45₹11.13₹9.59₹9.82
Shareholder yield––––0.0%0.0%0.0%0.0%0.0%0.0%
Market cap at the year end (₹ crore)2.415.8––11.99.56.68.19.69.1
Earnings per share is left blank for the year to Mar 2019: the earnings per share stated has the opposite sign to the profit stated beside it, so it is not shown.

Growth and returns over 3, 5 and 10 years

Standalone: the listed company alone, without its subsidiaries. Each window ends with the year to Mar 2026.

Measure10 years5 years3 years
Revenue growth, yearly rate–−17.9%5.8%
Profit growth, yearly rate–−8.1%26.2%
Return on equity, average–−2.7%−4.9%
Net margin, average−17.8%−38.8%−69.7%
Asset turnover, average–0.080.07

Where the cash came from and went

Standalone: the listed company alone, without its subsidiaries. ₹ crore, added up over each window, which ends with the year to Mar 2026.

₹ crore5 years3 yearsLatest year
Cash from operations0.09−0.650.42
Cash from investing0.210.49−0.20
Cash from financing0.670.820.29
Capital spending1.171.170.00
Dividends paid0.000.000.00
Shares bought back0.000.000.00
Shares issued for cash0.000.000.00