Sujala Trading FY26 Results: Net loss narrows 84% to ₹22 lakh
- Net loss narrowed 84% YoY to ₹22.3 lakh from ₹1.37 crore
- Revenue from operations fell 45% to ₹80.5 lakh
- Bad debt provisions dropped to ₹50.3 lakh from ₹124.8 lakh
- Loans and advances declined to ₹164.8 crore from ₹228.9 crore
- No dividend declared for the financial year
*this image is generated using AI for illustrative purposes only.
Sujala Trading & Holdings Ltd reported a net loss of ₹22.3 lakh for the financial year ended March 31, 2026, significantly lower than the ₹1.37 crore loss recorded in the previous year. The Kolkata-based non-banking financial company (NBFC) posted revenue from operations of ₹80.5 lakh, a sharp decline from ₹148.5 lakh in FY25.
The firm's total income stood at ₹81.1 lakh, driven primarily by interest received on loans, while total expenses contracted to ₹83.3 lakh from ₹162.2 lakh. Despite the reduction in losses, the company recorded negative earnings per share of -₹0.04 for the period.
Financial Performance
Revenue from operations, which comprises interest income on loans, dropped by over 45% year-on-year. Total expenses also saw a substantial decrease, largely due to lower bad debt provisions and other operating costs. The company did not declare any dividend for the year.
| Metric | FY26 | FY25 |
|---|---|---|
| Revenue from Operations | ₹80.5 lakh | ₹148.5 lakh |
| Total Income | ₹81.1 lakh | ₹148.5 lakh |
| Total Expenses | ₹83.3 lakh | ₹162.2 lakh |
| Net Loss | ₹22.3 lakh | ₹136.7 lakh |
| EPS (Basic) | -₹0.04 | -₹0.24 |
Balance Sheet Signals
As of March 31, 2026, the company's loans and advances stood at ₹164.8 crore, down from ₹228.9 crore in the prior year. Borrowings decreased significantly to ₹12.8 crore from ₹79.2 crore. Cash and cash equivalents declined to ₹43.6 lakh from ₹38.0 lakh.
What the Numbers Show
Bad debts accounted for ₹50.3 lakh of other expenses in FY26, compared to ₹124.8 lakh in FY25. This nearly 60% reduction in bad debt provisioning was a primary driver behind the contraction in total expenses and the narrowing of the net loss, despite the significant drop in interest income.
Corporate Governance Updates
The company announced several board changes in its annual report. Mr. Subhadeep Mukherjee is seeking reappointment as Managing Director for a three-year term. Additionally, shareholders are being asked to approve the appointment of Mr. Vipin Shantilal Champawat and Mr. Pankaj Jain as independent directors for five-year terms. M/s. Suprabhat & Co has been proposed as the secretarial auditor for five years.
Historical Stock Returns for Sujala Trading & Holding
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| +0.45% | +0.07% | -17.39% | -73.33% | -73.51% | 0.0% |
How will the 28% contraction in the loan book from ₹228.9 crore to ₹164.8 crore impact Sujala Trading's future interest income and market share in the Kolkata NBFC sector?
Given the sharp decline in revenue, what specific strategic initiatives is management planning to reverse the trend of falling loan disbursements in FY27?
Will the significant reduction in borrowings from ₹79.2 crore to ₹12.8 crore constrain the company's ability to scale operations or improve liquidity ratios in the near term?
20
Access 50+ Readymade Screeners 
Use 200+ Custom Filters 
Get Full Market Insights 
