Net Interest Income (NII) increased 176% to Rs 38.69 crore during Q2 FY13 from Rs 14 crore in Q2 FY12. The Net Interest Margin (NIM) stands at 8.75% for Q2 FY13 while spread at 5.99%. The NIM and spread for Q2 FY12 were 6.57% and 3.88% respectively. NII considered for NIM does not include interest income of Rs 2.77 crore earned on treasury float on temporary surplus funds, included in other operating income of Rs 10.30 crore for Q2 FY13

The total effective debt sanctions as at the end of Q2 FY13 aggregated to Rs 7589 crore compared to Rs 4571 crore a the end of Q2FY'12 and Rs 7232 crore at the end of Q1FY12. Debt sanctions are up 66% on a y-o-y basis and 5% on a q-o-q basis

Post Q2 FY13 till date, PFS has further sanctioned loans of Rs 290 crore to 4 power projects. The outstanding debt as at the end of Q2 FY13 increased to Rs 1916 crore compared to Rs 1270 crore as at the end of FY12 and Rs 991 crore as at the end of Q2 FY12, recording a growth of 51% and 93% respectively

The profit before tax (PBT) rose 40% from Rs 30.40 crore in Q2 FY12 to Rs 42.57 crore in Q2 FY13. Profit after tax (PAT) rose 27% to Rs 28.75 crore during Q2 FY13 compared to Rs 22.64 crore in Q2FY12

Despite toughening of the interest rates in the market, PFS has been able to keep cost of funds lower to remain competitive. The overall cost of funds came down to 8.20% during Q2 FY13 compared to 10.22% in Q2 FY12. The cost of funds during Q1 FY13 was 8.66%

There are nil NPAs as at end of September 20112 quarter and return on assets (ROA) for the quarter is 1.13%. ROA for Q2 FY12 was 1.31%.

CAR stood at 48.67% at the end of Q2FY'13

The total revenue for half year ended 30th September 2012 increased to Rs 133.41 crore as compared to Rs 97.07 crore in the corresponding previous period, up by 37%. Similarly, PAT during H1 FY13 increased to Rs 51.70 crore from Rs 32.88 crore in HI FY12, thereby recording a growth of 57%.

Book value of the company stood at Rs 21.8

The scrip is currently trading at Rs 18.50