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Sarvottam Finvest Ltd (539124)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 539124 NSE: Finance - NBFC | Small Cap | Sarvottam Finvest Share Price

₹20.58 -0.67 (-3.15%)

As on 24-Jun'26 16:59

Sarvottam Finvest Ltd (539124)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 539124 NSE: Finance - NBFC | Small Cap | Sarvottam Finvest Share Price

₹20.58 -0.67 (-3.15%)

As on 24-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹15 Cr.
Current Price
₹20.6
52-Week Low / High
₹15 / 29
TTM EPS
₹-0.3
Book Value per Share
₹32.7
P/E Ratio
0.00
Industry PE
28.1
Price to Book (P/B)
0.63
Lower than its 5-year historical median
EV/EBITDA
-88.57
Lower than its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
-2.36%
Return on Capital Employed (ROCE)
-2.14%
Return on Assets (ROA)
-2.32%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
-10.93%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
-2.34%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹1.4 Cr.
Reserves
₹17 Cr.
Equity
₹7.5 Cr.
Face Value
₹10
All Time Low / High
₹15.36 / 68.25

Sarvottam Finvest stock performance

Key Ratios
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Check Before You Invest

M-Cap below 100cr DeciZen not available

Q.1 Is Sarvottam Finvest Ltd a good quality company?
Sarvottam Finvest Ltd is a quality company, based on a 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:

  • 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.

  • 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 Sarvottam Finvest Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Sarvottam Finvest Ltd vs Industry Peers?
Sarvottam Finvest Ltd AUM CAGR is -1.18%, compared to the 5-year industry median CAGR of 9.68%, indicating slower growth and losing its market share.
Q.1 Promoter shareholding and pledge status of Sarvottam Finvest Ltd?
Promoters hold 24.00% of the Sarvottam Finvest Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of Sarvottam Finvest Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of -4.7% based on the current price.

10 Year X-Ray : Login to view analysis.

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 end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

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.
Sarvottam Finvest Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)2.14.63.42.12.72.11.61.91.81.61
YoY Gr. Rt. %-115.7%-26.8%-37.8%31%-24.9%-22.8%21.5%-5.2%-10.5%-
Adj EPS (₹ ) 0.10.10.1-0.3-0.1-0.1-0.3-1.60.6-0.8-0.3
YoY Gr. Rt. %-33.3%8.3%-323.1%NANANANANA-225.4%-
BVPS (₹ )35.235.335.435.235.13534.733.133.732.932.7
YoY Gr. Rt. %-0.3%0.3%-0.8%-0.2%-0.2%-0.9%-4.6%1.9%-2.3%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)0.30.40.4-0.8-0.2-0.2-0.9-4.61.9-2.30

CAGR

9 Years 5 Years 3 Years 1 Years
Net Interest Income-2.9%-9.8%1%-10.5%
Adj EPS-227.3%NANA-225.4%
BVPS-0.7%-1.3%-1.7%-2.3%
Share Price -4.6% -9% -14.5% -15.4%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)3.222.8-10.3-1.9-2.9-15.2-61.525.8-36.1-13.7
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)0.30.40.4-0.8-0.2-0.2-0.9-4.71.9-2.4-0.8

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 2.184.583.352.092.792.111.722.212.171.69
Interest Income2.124.583.352.092.732.051.591.931.831.63
Other Income 0.510.090.110.620.490.580.692.210.590.95
Exceptional Items 0.060000.060.060.140.290.350.06
Expenditure + 2.084.453.232.372.802.161.893.461.682.23
Interest Expense 0000000000
Operating Expenses 1.574.353.121.752.311.581.201.241.091.28
Provisions 0.510.090.110.620.490.580.692.210.590.95
Exceptional Items 0000000000
Profit Before Tax 0.110.140.13-0.29-0.01-0.04-0.17-1.240.49-0.54
Taxes 0.040.040.03-0.070.040.010.07-0.060.020.05
Profit After Tax 0.070.090.09-0.21-0.05-0.06-0.24-1.180.47-0.59
Adjusted EPS (₹)0.10.10.1-0.3-0.1-0.1-0.3-1.60.6-0.8
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Valuation of Sarvottam Finvest - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +26.3926.4826.5826.3626.3126.2526.0124.8225.3024.71
Share Capital 7.507.507.507.507.507.507.507.507.507.50
Reserves 18.8918.9819.0818.8618.8118.7518.5117.3217.8017.21
Short term borrowings000000000.500
Long Term Borrowings-0-0-0-0.07-0.03-0.02-0-0.06-0.04-0.03
Current Liabilities 0.700.100.060.060.080.150.340.190.620.17
Trade Payables0.610000.02000.130.060.06
Other Liabilities-0.61-0-0-0-0.02-0-0-0.13-0.56-0.06
Total Liabilities 27.0826.5826.6426.3526.3626.3826.3524.9625.8824.84

Assets

Non Current Asset +0.010.020.040.020.010.010.010.010.020.01
Loan Asset 0000000000
Other Non Current Asset 0.010.020.040.020.010.010.010.010.020.01
Current Asset +27.0726.5726.6026.3326.3426.3626.3424.9525.8724.83
Current Investment00000000.361.520.82
Other Current Asset27.0726.5726.6026.3326.3426.3626.3424.5924.3424.01
Total Assets 27.0826.5826.6426.3526.3626.3826.3524.9625.8824.84

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity -0.390.69-0.640.04-0.120.35-0.310.031.17-0.73
Cash Flow From Investing Activity -0-0.01-0.0300.02-000-1.170.70
Cash Flow From Financing Activity 000000000.50-0.50
Net Cash Flow -0.390.67-0.670.04-0.100.35-0.310.030.50-0.53

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios

EPS (₹)0.100.100.10-0.30-0.10-0.10-0.30-1.600.60-0.80
DPS (₹)0000000000
BVPS (₹)35.235.335.435.235.13534.733.133.732.9

Performance Ratios

ROA (%)0.30.40.4-0.8-0.2-0.2-0.9-4.61.9-2.3
ROE (%)0.30.40.4-0.8-0.2-0.2-0.9-4.71.9-2.4
ROCE (%)0.40.50.5-1.1-0.0-0.2-0.6-4.91.9-2.1

Valuation Parameters

Price/Book(x)0.00.00.00.00.00.00.00.80.80.6

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Sarvottam Finvest Ltd FAQs

The current trading price of Sarvottam Finvest on 24-Jun-2026 16:59 is ₹20.58.

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 23-Jun-2026 the market cap of Sarvottam Finvest stood at ₹15.44 Cr

The latest P/E ratio of Sarvottam Finvest as of 23-Jun-2026 is 0.00.

The latest P/B ratio of Sarvottam Finvest as of 23-Jun-2026 is 0.63.

The 52-week high of Sarvottam Finvest is ₹29.44 and the 52-week low is ₹15.36.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Sarvottam Finvest is ₹1.37 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Sarvottam Finvest Ltd is a below average quality company.

The key valuation ratios of Sarvottam Finvest Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Sarvottam Finvest Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

About Sarvottam Finvest Ltd

Sarvottam Finvest Limited was incorporated on November 30, 1978 as ‘Gobardhan Trading and Investment Company Limited’ under the provisions of the Companies Act, 1956 with the Registrar of Companies, West Bengal and received the certificate of Commencement of Business on December 16, 1978. The name of the company was changed from ‘Gobardhan Trading and Investment Company Limited’ to ‘Barclays & Chartered Financial Services Limited’ on March 21, 1995. The name of the company was further changed from ‘Barclays & Chartered Financial Services Limited’ to present name ‘Sarvottam Finvest Limited’ on August 8, 2011. Since then the Company is carrying on the Business in the name and style of ‘Sarvottam Finvest Limited.’

Sarvottam Finvest Limited is a Non-Banking Financial Company (NBFC) registered with RBI and is carrying on NBFC's activities. The main business of the company is to make both long term and short term investment in quoted as well as unquoted shares. The company also gives short term and long term loans to its borrowers. The company earns revenue by way of interest on loans so given to the borrowers, dividend on investments and revenue by purchase and sale of shares and securities.

Business area of the company 

The company is engaged in the business of financing, providing loans and advances, inter-corporate deposits and investment & trading in shares & securities.

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