Saraswati Commercial I Ltd Stock Price Today (NSE: ZSARACOM)
Saraswati Commercial I Ltd
Fundamental Score
Saraswati Commercial I Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Saraswati Commercial I Ltd share price today is ₹10149.90, up +0.00% on NSE/BSE as of 22 June 2026. Saraswati Commercial I Ltd (ZSARACOM) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹1.45K (Cr). The 52-week high for ZSARACOM share price is ₹16269.00 and the 52-week low is ₹8650.00. At a P/E ratio of 67.38x, ZSARACOM is currently trading above its industry average P/E of 22.03x. The company has a Return on Equity (ROE) of 6.47% and a debt-to-equity ratio of 0.05.
Saraswati Commercial I Ltd Share Price Chart — NSE/BSE Historical Performance
Saraswati Commercial I Ltd share price chart: 2.01% return over the past month. 52-week high ₹16269.00, 52-week low ₹8650.00.
Saraswati Commercial I Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹10149.90 | ₹10149.90 | ₹10149.90 | ₹10149.90 | 1.00 (Cr) | |
| ₹10000.00 | ₹10000.00 | ₹9723.00 | ₹10000.00 | 25.00 (Cr) | |
| ₹10000.00 | ₹10000.00 | ₹10000.00 | ₹10000.00 | 2.00 (Cr) | |
| ₹10000.00 | ₹10000.00 | ₹10000.00 | ₹10000.00 | 1.00 (Cr) | |
| ₹9721.00 | ₹9721.00 | ₹9301.00 | ₹9301.00 | 6.00 (Cr) | |
| ₹10060.00 | ₹10060.00 | ₹10059.95 | ₹10059.95 | 3.00 (Cr) | |
| ₹10186.50 | ₹10186.50 | ₹10064.25 | ₹10064.25 | 7.00 (Cr) | |
| ₹9999.00 | ₹9999.00 | ₹9600.00 | ₹9799.20 | 23.00 (Cr) | |
| ₹10020.00 | ₹10020.00 | ₹9600.00 | ₹9600.00 | 10.00 (Cr) | |
| ₹9920.00 | ₹9920.00 | ₹9860.00 | ₹9860.00 | 10.00 (Cr) |
Saraswati Commercial I Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹10000.00 | ₹10149.90 | ₹9723.00 | ₹10149.90 | +1.50% | |
| ₹10500.00 | ₹10500.00 | ₹9000.75 | ₹9301.00 | -11.42% | |
| ₹10000.00 | ₹10500.00 | ₹8650.00 | ₹8753.60 | -12.46% | |
| ₹12399.95 | ₹12821.00 | ₹9800.00 | ₹10016.00 | -19.23% | |
| ₹12600.05 | ₹13350.00 | ₹12113.00 | ₹12115.00 | -3.85% | |
| ₹13231.10 | ₹13600.00 | ₹12115.00 | ₹12768.80 | -3.49% | |
| ₹12597.70 | ₹14499.95 | ₹12113.00 | ₹13154.00 | +4.42% | |
| ₹13458.00 | ₹14799.95 | ₹12201.05 | ₹12229.40 | -9.13% | |
| ₹13191.90 | ₹13800.00 | ₹12151.00 | ₹12905.35 | -2.17% | |
| ₹13325.00 | ₹15799.00 | ₹12600.00 | ₹13258.15 | -0.50% | |
| ₹15000.00 | ₹15245.00 | ₹12443.30 | ₹13018.05 | -13.21% | |
| ₹14056.70 | ₹16269.00 | ₹14056.70 | ₹14766.90 | +5.05% |
AI Research Briefing
Powered by Gemini · 2026-04-13
Micro-cap NBFC, avoid until acquisition hype fades and valuation reflects fundamentals.
WHAT'S HAPPENING NOW (last 2-4 weeks)
Saraswati Commercial completed the conversion of partly paid-up equity shares in Bharti Airtel into fully paid-up shares on March 18, 2026, involving a payment of Cr. The company submitted its Q4 FY26 compliance certificate to BSE on April 6, 2026. The stock is included in a list of '6 big-ticket stocks' that have seen price corrections in the last three months.
CORE STORY (THE REAL GAME)
A small-cap NBFC trading on acquisition news and Bharti Airtel share conversion, not core lending performance. Market participants are likely trading the stock based on short-term events rather than long-term fundamentals.
- Bharti Airtel share conversion complete
- Acquisition announcements driving price
- Q3 FY26 PAT positive at ₹24.74 Cr vs. loss last year
- New acquisition announcements
- Significant earnings beat
- Positive regulatory changes for NBFCs
- Micro-cap liquidity risk
- Overvalued relative to peers
- Dependence on acquisition news for price movement
Promoter holding high at 73.99%, but no recent change. FII/DII holdings are negligible.
RBI's focus on tightening oversight of NBFCs could increase compliance costs.
Free Cash Flow positive at ₹113.9 Cr over 5 years, but recent quarterly sales were negative
Acquisition-led growth is unsustainable. Focus should be on core lending business. 3-6 month outlook is negative.
Primary Thesis Risk
Acquisition-dependent growth makes the stock vulnerable to deal failures and valuation corrections.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
Saraswati Commercial I Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Saraswati Commercial I Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of ZSARACOM across key market metrics for learning purposes.
Positive Indicators
9 factors identified
Strong Operating Margins (95.56%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Consistent Growth Track Record (123.25% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Excellent EPS Growth (47.90% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (49.86% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Conservative Debt Levels (D/E: 0.05)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns.
Strong Interest Coverage (11.35x)
Observation: Earnings comfortably cover interest obligations.
Analysis: Interest coverage >5x indicates low financial distress risk.
Strong Cash Generation (₹113.90 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Balanced Promoter Holding (73.99%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
5 factors identified
Below-Average Return on Equity (6.47%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (8.32%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Premium Valuation Risk (P/E: 67.38x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations.
Revenue Contraction (-6.44%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Saraswati Commercial I Ltd vs Non Banking Financial Company (NBFC) Peers
Peer Comparison - Non Banking Financial Company (NBFC)
Compare Saraswati Commercial I Ltd with 10 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
Saraswati Commercial I LtdSaraswati Comme...Selected✓ ZSARACOM • 512020 | 50/100 | ₹10149.90₹10150 | ₹1450.02₹1450.02 | 67.38Average 67.4 Average | 6.47%Poor 6.47% Poor | 8.32%Poor 8.32% Poor | 0.05Excellent 0.1 Excellent | 49.86%Excellent 49.86% Excellent | 123.25%Excellent 123.25% Excellent | 0.00% |
Bajaj Finance LtdBajaj Finance L... BAJFINANCE • 500034 | 61.2/100 | ₹931.15₹931 | ₹635285.77₹635285.77 | 34.71Average 34.7 Average | 19.22%Good 19.22% Good | 11.35%Average 11.35% Average | 3.85Poor 3.9 Poor | 25.91%Excellent 25.91% Excellent | 21.46%Excellent 21.46% Excellent | 0.43% |
Shriram Finance LtdShriram Finance... SHRIRAMFIN • 511218 | 48.1/100 | ₹963.20₹963 | ₹160454.76₹160454.76 | 18.32Average 18.3 Average | 15.57%Good 15.57% Good | 10.95%Average 10.95% Average | 3.87Poor 3.9 Poor | 26.73%Excellent 26.73% Excellent | 21.55%Excellent 21.55% Excellent | 1.16% |
Muthoot Finance LtdMuthoot Finance... MUTHOOTFIN • 533398 | 58.9/100 | ₹3306.90₹3307 | ₹153050.66₹153050.66 | 20.96Average 21.0 Average | 19.58%Good 19.58% Good | 13.19%Average 13.19% Average | 3.76Poor 3.8 Poor | 11.18%Good 11.18% Good | 15.86%Excellent 15.86% Excellent | 0.68% |
62.5/100 | ₹1553.30₹1553 | ₹145498.76₹145498.76 | 31.32Average 31.3 Average | 19.71%Good 19.71% Good | 10.34%Average 10.34% Average | 7.23Poor 7.2 Poor | 32.25%Excellent 32.25% Excellent | 24.29%Excellent 24.29% Excellent | 0.12% | |
SBI Cards and Payment Services LtdSBI Cards and P... SBICARD • 543066 | 38.2/100 | ₹625.25₹625 | ₹83417.35₹83417.35 | 43.49Average 43.5 Average | 14.82%Average 14.82% Average | 10.40%Average 10.40% Average | 3.33Poor 3.3 Poor | 9.01%Good 9.01% Good | 14.26%Good 14.26% Good | 0.29% |
L&T Finance LtdL&T Finance Ltd... LTF • 533519 | 35/100 | ₹281.70₹282 | ₹77417.35₹77417.35 | 28.69Average 28.7 Average | 10.79%Average 10.79% Average | 8.71%Poor 8.71% Poor | 3.72Poor 3.7 Poor | 9.23%Good 9.23% Good | 2.46%Average 2.46% Average | 0.89% |
HDB Financial Services LimitedHDB Financial S... HDBFS • 544429 | 25.3/100 | ₹674.20₹674 | ₹63088.80₹63088.80 | 29.31Average 29.3 Average | 14.72%Average 14.72% Average | 9.79%Poor 9.79% Poor | 4.68Poor 4.7 Poor | — — | — — | 0.26% |
Sundaram Finance LtdSundaram Financ... SUNDARMFIN • 590071 | 36.5/100 | ₹4354.60₹4355 | ₹52888.17₹52888.17 | 26.82Average 26.8 Average | 15.27%Good 15.27% Good | 9.64%Poor 9.64% Poor | 4.35Poor 4.3 Poor | 18.93%Excellent 18.93% Excellent | 12.58%Good 12.58% Good | 0.74% |
58/100 | ₹497.00₹497 | ₹44785.81₹44785.81 | 11.15Average 11.2 Average | 34.14%Excellent 34.14% Excellent | 30.85%Excellent 30.85% Excellent | 0.17Excellent 0.2 Excellent | 208.59%Excellent 208.59% Excellent | — — | 0.04% | |
Poonawalla Fincorp LtdPoonawalla Finc... POONAWALLA • 524000 | 35.4/100 | ₹394.50₹395 | ₹39398.34₹39398.34 | 180.84Average 180.8 Average | -1.28%Poor -1.28% Poor | 4.77%Poor 4.77% Poor | 3.64Poor 3.6 Poor | — — | 10.76%Good 10.76% Good | 0.00% |
Top Non Banking Financial Company (NBFC) Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- Bajaj Finance Ltd share price635285.77 Cr
- Shriram Finance Ltd share price160454.76 Cr
- Muthoot Finance Ltd share price153050.66 Cr
- Cholamandalam Investment and Finance Company Limited share price145498.76 Cr
- SBI Cards and Payment Services Ltd share price83417.35 Cr
Saraswati Commercial I Ltd PE Ratio History
Historical price-to-earnings ratio for ZSARACOM — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2025 | ₹517.51 | ₹12768.80 | 24.7x |
| FY 2024 | ₹1008.85 | ₹19605.50 | 19.4x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
Saraswati Commercial I Ltd Quarterly Performance
Latest quarterly metrics for ZSARACOM — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
-6.44%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
-4.78%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
123.25%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
49.86%
Compounded annual net profit growth over 5 years
Saraswati Commercial I Ltd Technical Indicators
SMA 50, SMA 200, RSI and volume signals for ZSARACOM — calculated from daily price history
Momentum is balanced — neither overbought nor oversold.
Technical indicators are for educational purposes only. Not investment advice.
Saraswati Commercial I Ltd Financial Statements
Annual income statement, balance sheet and cash flow for Saraswati Commercial I Ltd (ZSARACOM) — sourced from NSE/BSE filings.
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About ZSARACOM (Saraswati Commercial I Ltd)
Saraswati Commercial I Ltd is a Non-Banking Financial Company (NBFC) operating within the Indian financial landscape. The company focuses primarily on facilitating financial transa...ctions through strategic investments and active trading in the dynamic realm of shares and securities. Beyond this, Saraswati Commercial I Ltd also provides lending services, catering to diverse financial needs within the Indian market. Its core business model revolves around identifying and capitalizing on investment opportunities, managing risk exposure through diversified trading strategies, and deploying capital effectively through its lending operations. The company's approach to financial intermediation involves a meticulous assessment of market trends, regulatory frameworks, and risk profiles to ensure sustainable growth and profitability. With a keen eye on emerging market dynamics, Saraswati Commercial I Ltd positions itself to leverage opportunities across various sectors, while maintaining a strong emphasis on compliance and ethical business practices. Its investment and trading activities are guided by a team of experienced professionals who possess in-depth knowledge of the Indian financial markets. Ultimately, Saraswati Commercial I Ltd aims to deliver value to its stakeholders through prudent financial management, innovative solutions, and a commitment to fostering financial inclusion. By participating in both the investment and lending sectors, it contributes to the overall growth and stability of the Indian economy. The company is dedicated to strengthening its position as a trusted NBFC, known for its integrity, transparency, and commitment to responsible lending practices.
Company Details
Key Leadership
ZSARACOM Share Price: Frequently Asked Questions
What is the current share price of Saraswati Commercial I Ltd?
Saraswati Commercial I Ltd (ZSARACOM) trades at ₹10149.90 on NSE and BSE. Market cap ₹1.45K (Cr). Educational data only.
What is the P/E ratio of Saraswati Commercial I Ltd?
Saraswati Commercial I Ltd has a P/E of 67.38x vs industry average 22.03x.
What is the Bull Run score for Saraswati Commercial I Ltd?
Saraswati Commercial I Ltd has a Bull Run score of 50/100 based on 25+ financial parameters.
Does Saraswati Commercial I Ltd pay dividends?
Saraswati Commercial I Ltd has a dividend yield of 0.00%. Past dividends don't guarantee future payments.
What is the ROE of Saraswati Commercial I Ltd?
Saraswati Commercial I Ltd has ROE of 6.47%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of Saraswati Commercial I Ltd?
Saraswati Commercial I Ltd has debt-to-equity of 0.05.
Is Saraswati Commercial I Ltd a good investment?
Bull Run gives Saraswati Commercial I Ltd a score of 50/100. This is not investment advice — consult a SEBI-registered advisor.