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Balmer Lawrie Investments Ltd (BLIL)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532485 NSE: BLIL Finance - NBFC | Small Cap | Balmer Lawrie Invsts Share Price
₹68.49 -2.86 (-4.01%)
As on 11-Sep'26 15:55
Balmer Lawrie Investments Ltd (BLIL)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532485 NSE: BLIL Finance - NBFC | Small Cap | Balmer Lawrie Invsts Share Price
₹68.49 -2.86 (-4.01%)
As on 11-Sep'26 15:55
Key Metrics
Valuation Multiples
Market Cap
₹1,584 Cr.
Current Price
₹68.5
52-Week Low / High
₹64 / 94
TTM EPS
₹8.1
Book Value per Share
₹67.5
P/E Ratio
8.84
Lower than its 5-year historical median
Industry PE
27.2
Price to Book (P/B)
1.06
Lower than its 5-year historical median
EV/EBITDA
2.46
Lower than its 5-year historical median
Dividend Yield
6.28%
Profitability Efficiency
Return on Equity (ROE)
19.73%
Return on Capital Employed (ROCE)
26.90%
Return on Assets (ROA)
8.27%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
44.23%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
0.93%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹754 Cr.
Reserves
₹1,475 Cr.
Equity
₹22.2 Cr.
Face Value
₹1
All Time Low / High
₹2.00 / 107.90
Check Before You Invest
Quality
Somewhat GoodValuation
Somewhat OvervaluedCheck Valuation charts
Price Trend
Semi Strong
Is Balmer Lawrie Investments Ltd a good quality company?
Balmer Lawrie Investments Ltd is a average quality company, based on a somewhat consistent multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
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How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
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How efficiently has it grown and managed operations?
By checking its Total Asset growth.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does Balmer Lawrie Investments Ltd performance compare with that of its Peers?
AUM Growth of Balmer Lawrie Investments Ltd vs Industry Peers?
Balmer Lawrie Investments Ltd AUM CAGR is 1.35%, compared to the 5-year industry median CAGR of 10.04%, indicating slower growth and losing its market share.
Promoter shareholding and pledge status of Balmer Lawrie Investments Ltd?
Promoters hold 59.67% of the Balmer Lawrie Investments Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of Balmer Lawrie Investments Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 7.6% based on the current price.
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Balmer Lawrie Investments Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 0 | 0 | 79 | 86.9 | 86.9 | 69.3 | 76.1 | 88.7 | 101 | 146 | 145 | |
| YoY Gr. Rt. % | - | NA | NA | 10% | 0% | -20.3% | 9.8% | 16.6% | 14% | 44.2% | - | |
| Adj EPS (₹ ) | 1.8 | 2.4 | 3.4 | 3.8 | 3.8 | 3 | 3.3 | 3.9 | 4.4 | 6.4 | 6.4 | |
| YoY Gr. Rt. % | - | 38.3% | 41.3% | 10.2% | 1.1% | -21.3% | 10.3% | 16.6% | 13.2% | 46.7% | - | |
| BVPS (₹ ) | 5.8 | 6.6 | 7.6 | 7.9 | 8 | 7.2 | 7.5 | 8.1 | 8.6 | 8.7 | 8.8 | |
| YoY Gr. Rt. % | - | 12.3% | 15.6% | 4.8% | 0.8% | -9.9% | 4.2% | 7.5% | 7.1% | 0.9% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 30.8 | 38.4 | 45.2 | 43.3 | 44 | 37.3 | 43.1 | 48.3 | 51.1 | 71.7 | 0 | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | NA | 10.9% | 24.2% | 44.2% | ||||
| Adj EPS | 15.5% | 11% | 24.7% | 46.7% | ||||
| BVPS | 4.6% | 1.7% | 5.1% | 0.9% | ||||
| Share Price | 7.1% | 7.4% | 12.2% | -26.6% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 0 | 0 | 96.1 | 96.2 | 97.4 | 96.1 | 96.5 | 96.5 | 96 | 97.5 | 97.6 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 35.2 | 39 | 48.4 | 48.5 | 47.8 | 39.5 | 44.9 | 49.5 | 52.3 | 73.8 | 72.7 | |
Valuation of Balmer Lawrie Invsts - Consolidated
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|
| Income + | 1,846 | 1,599 | 1,645 | 2,151 | 2,440 | 2,470 | 2,647 | 2,854 |
| Exceptional Items ⓘ | 63 | 55 | 109 | 90 | 111 | 122 | 121 | 126 |
| Expenditure ⓘ + | 1,592 | 1,417 | 1,483 | 1,965 | 2,208 | 2,151 | 2,297 | 2,488 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 254 | 182 | 162 | 186 | 232 | 319 | 350 | 365 |
| Taxes ⓘ | 88 | 58 | 42 | 49 | 59 | 77 | 84 | 88 |
| Profit After Tax | 167 | 124 | 121 | 137 | 172 | 242 | 267 | 278 |
| Adjusted EPS (₹) | 5.8 | 4.8 | 3.6 | 4.0 | 5.0 | 7.0 | 7.7 | 8.0 |
| Dividend Payout Ratio (%) | 58.70% | 78.70% | 105.80% | 75.50% | 66% | 54.60% | 55.60% | 53.50% |
| PARTICULARS | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | ||
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital + | 1,074 | 1,103 | 1,098 | 1,116 | 1,140 | 1,221 | 1,376 | 1,440 | ||
| Short term borrowings | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||
| Long Term Borrowings | 194 | 244 | 274 | 296 | 308 | 314 | 354 | 477 | ||
| Current Liabilities | 521 | 495 | 527 | 529 | 644 | 714 | 699 | 793 | ||
| Trade Payables | 293 | 222 | 271 | 273 | 304 | 315 | 298 | 345 | ||
| Other Liabilities | -295 | -222 | -271 | -273 | -304 | -315 | -298 | -345 | ||
| Total Liabilities ⓘ | 2,420 | 2,480 | 2,527 | 2,575 | 2,798 | 3,022 | 3,201 | 3,514 | ||
Assets | ||||||||||
| Non Current Asset + | 1,106 | 1,183 | 1,197 | 1,230 | 1,327 | 1,390 | 1,459 | 1,666 | ||
| Current Asset + | 1,315 | 1,297 | 1,329 | 1,345 | 1,472 | 1,632 | 1,742 | 1,848 | ||
| Total Assets ⓘ | 2,420 | 2,480 | 2,527 | 2,575 | 2,798 | 3,022 | 3,201 | 3,514 | ||
| PARTICULARS | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | 177 | 187 | 247 | 23 | 206 | 280 | 164 | 294 |
| Cash Flow From Investing Activity ⓘ | -137 | -60 | -80 | 137 | -48 | -117 | 9 | -35 |
| Cash Flow From Financing Activity ⓘ | -61 | -159 | -153 | -148 | -145 | -172 | -183 | -265 |
| Net Cash Flow ⓘ | -21 | -32 | 14 | 12 | 13 | -9 | -10 | -5 |
| PARTICULARS | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | ||
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 57.90 | 47.60 | 35.90 | 39.80 | 50 | 69.60 | 7.70 | 8 | ||
| DPS (₹) | 34 | 37.50 | 38 | 30 | 33 | 38 | 4.30 | 4.30 | ||
| BVPS (₹) | 483.9 | 497.1 | 494.6 | 502.8 | 513.4 | 550 | 62 | 64.9 | ||
Performance Ratios | ||||||||||
| ROA (%) | 6.9 | 5.1 | 4.8 | 5.4 | 6.4 | 8.3 | 8.6 | 8.3 | ||
| ROE (%) | 15.5 | 11.4 | 11.0 | 12.4 | 15.3 | 20.5 | 20.5 | 19.7 | ||
| ROCE (%) | 22.6 | 16.7 | 14.6 | 16.6 | 20.5 | 27.0 | 27.4 | 26.9 | ||
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.8 | 0.6 | 1.0 | 0.7 | 0.7 | 1.1 | 1.1 | 1.0 | ||
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Balmer Lawrie Investments Ltd FAQs
The current trading price of Balmer Lawrie Invsts on 11-Sep-2026 15:55 is ₹68.49.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 10-Sep-2026 the market cap of Balmer Lawrie Invsts stood at ₹1,583.8 Cr
The latest P/E ratio of Balmer Lawrie Invsts as of 10-Sep-2026 is 11.16.
The latest P/B ratio of Balmer Lawrie Invsts as of 10-Sep-2026 is 8.11.
The 52-week high of Balmer Lawrie Invsts is ₹93.80 and the 52-week low is ₹63.80.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Balmer Lawrie Invsts is ₹145 ( Cr.) .
Past 10 year's financial track record analysis by Moneyworks4me indicates that Balmer Lawrie Investments Ltd is a average quality company.
The key valuation ratios of Balmer Lawrie Investments Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Balmer Lawrie Investments Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
About Balmer Lawrie Investments Ltd
Balmer Lawrie Investments Ltd is a government company under section 617 of the Companies Act, 1956. The President of India is the major shareholder holding to the tune of 59.67% of its total paid up equity capital. Though being a Non-banking Financial Institution under the Reserve Bank of India Act, 1934, it does not carry any non-banking financial activity except holding of equity shares of its subsidiary Balmer Lawrie & Co. Ltd., transferred from IBP Co. Ltd. This company was incorporated on September 20, 2001 under the Companies Act, 1956 and presently its equity shares are listed with ‘The Calcutta Stock Exchange Association Ltd.’ and ‘Bombay Stock Exchange Ltd’.
The government of India, in view of its planned deregulation of the oil and gobalisation of the economy, decided to disinvest 33.58% of its total equity holding of 59.58% in IBP Co. Limited to a strategic partner with management control. In consequence to such disinvestment, the shareholding of IBP Co. Limited in its erstwhile subsidiary, Balmer Lawrie & Co. Limited, was decided to be de-merged in favour of Balmer Lawrie Investments Limited, which was incorporated on 20 September 2001 under the Companies Act, 1956, in which the President of India holds 59.67% of its total paid up equity capital.
Balmer Lawrie Investments is also a non-banking financial company as defined under section 45-I(f) of the Reserve Bank of India Act, 1934. On the basis of application given by the company the RBI in exercise of their power conferred under section 45-NC of the Reserve Bank of India Act, 1934, has exempted the company to comply with the formalities of registration and minimum net owned funds subject to the Compliance of the following provisions:
- The company shall not conduct any business of financial institution as specified in section 45-I(c) and (f) of the RBI Act, 1934, other than acquiring shares of Balmer Lawrie & Co. Ltd., from IBP Co. Limited and subsequent disinvestment of these shares;
- The company shall not deal with or transact in any other securities;
- The company shall divest its shareholding and wind up its business on completion of disinvestment of shares of Balmer Lawrie & Co. Ltd & the exemption granted hereunder stands cancelled in the event breach of any of the above conditions by the company
The company does not carry on any business except to hold 1,00,64,700 equity shares of Rs 10 each of Balmer Lawrie & Co. Ltd.Balmer Lawrie Investments Limited is presently under the administrative control of the Ministry of Petroleum & Natural Gas, Government of India.
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