TFCILTD2024-10-012024-12-31 TFCILTD2024-10-012024-12-31 TFCILTD2024-10-012024-12-31in-bse-fin:OneOperatingExpenses01Member TFCILTD2024-10-012024-12-31in-bse-fin:OneOperatingExpenses02Member TFCILTD2024-10-012024-12-31in-bse-fin:FourOperatingExpenses01Member TFCILTD2024-10-012024-12-31in-bse-fin:FourOperatingExpenses02Member TFCILTD2024-12-31 TFCILTD2024-12-31 TFCILTD2024-10-012024-12-31in-bse-fin:OneItemsThatWillNotBeReclassifiedToProfitAndLoss01Member TFCILTD2024-10-012024-12-31in-bse-fin:FourItemsThatWillNotBeReclassifiedToProfitAndLoss01Member TFCILTD2024-10-012024-12-31in-bse-fin:OneItemsThatWillBeReclassifiedToProfitAndLoss01Member TFCILTD2024-10-012024-12-31in-bse-fin:FourItemsThatWillBeReclassifiedToProfitAndLoss01Member iso4217:INRxbrli:purexbrli:sharesiso4217:INRxbrli:shares 526650 TFCILTD NOTLISTED Tourism Finance Corporation of India Limited Equity 2024-04-01 2025-03-31 2025-01-28 2025-01-17 INR Lakhs Third quarter 2025-01-28 12:30:00 2025-01-28 15:40:00 false Not applicable Single segment Finance 2024-10-01 2024-12-31 Unaudited Standalone 481246000.00 0.00 0.00 15160000.00 75757000.00 0.00 0.00 0.00 572163000.00 69242000.00 641405000.00 0.00 0.00 0.00 34466000.00 261127000.00 1716000.00 0.00 0.00 0.00 0.00 68781000.00 366090000.00 275315000.00 0.00 275315000.00 49000000.00 0.00 49000000.00 226315000.00 0.00 0.00 0.00 0.00 226315000.00 648000.00 226963000.00 0.00 0.00 925954000.00 10 2.44 2.44 0.00 0.00 2.44 2.44 Notes: 2. Provision of Expected Credit Loss (ECL) on loan assets has been made as per the methodology adopted by the Board of Directors in accordance with Ind-AS109, which may be further enhancement by the management for certain loan assets or for all the loan assets, wherever considered necessary to take care of business uncertainties. Based on prevailing indicators of future economic scenario, the company has made enhanced ECL provision in the books as on December 31, 2024, which is also higher than provision requirements as per RBI IRACP norms. Accordingly, Impairment Reserve is not required to be created as per RBI regulatory guidelines on implementation of Ind-As in NBFCs vide notification dated March 13, 2020. 3. Listed Bonds/NCDs of Rs.15,974 lakh are secured by first pari-passu charge on the loan assets receivables with security coverage of 1 times. 4. The company is engaged mainly in Wholesale financing and investment business activity. During the quarter company has also started retail lending business through Fintech Platform. The revenue generated from retail business is not significant to qualify as separate reportable segment, hence, the company has not bifurcated the results in reportable segmants as per the Ind AS 108 on 'Operating Segments'. 5. Figures in financial statements have been rounded off to the nearest lakh (except number of shares) and previous period figures have been re-grouped, re-arranged wherever necessary to make them comparable with figures of the current period. 6. Disclosures in compliance with Regulation 52 (4) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. Ratios 31.12.2024 31.12.2023 Quarter Ended Nine Months Ended Quarter Ended Nine Months Ended (a) Total Debt - Equity ratio 0.82:1 0.82:1 1.04:1 1.04:1 (b) Outstanding redeemable preference shares (quantity and value) Nil Nil Nil Nil (c) Capital redemption reserve/debenture redemption reserve Nil Nil Nil Nil (d) Tangible Net worth (Rs. In lakh) 1,17,646.27 1,17,646.27 1,05,311.05 1,05,311.05 (e) Net Profit After Tax (Rs. In lakh) 2,263.15 7,361.01 2,758.72 7,070.75 (f) Earnings per Share (Not annualised) - Basic (Rs.) 2.44 7.95 3.05 7.82 (g) Earnings per Share (Not annualised) - Diluted (Rs.) 2.44 7.95 3.05 7.82 (h) Total Debt to Total Assets (%) 44.72% 44.72% 50.19% 50.19% (i) Net Profit Margin(%) 35.28% 38.62% 40.96% 38.35% (j) Sector Specific Ratios: 1. * Gross NPA (%) 5.61% 5.61% 2.17% 2.17% 2. * Net NPA (%) 3.92% 3.92% 1.38% 1.38% 3. * Provision Coverage Ratio (%) 30.20% 30.20% 36.52% 36.52% 4. Capital Risk Adequacy Ratio (CRAR)% 59.94% 59.94% 59.90% 59.90% Note : Debt service coverage ratio, Interest service coverage ratio, Current ratio, Long term debt to working capital, Bad debts to Accounts receivable ratio, Current liability ratio, Debtors turnover, Inventory turnover and Operating margin ratio is not applicable to the Company. * Post 31.12.2024, sale of secured asset of NPA at Rs.2872 lakh has been confirmed under provision of SARFAESI Act 2002. On receipt of the sale consideration, within regulatory timelines and issue of sale certificate, the GNPA & NNPA ratios as of 31.12.2024 will improve to 3.82% & 2.25% respectively and PCR will improve to 41.18%. Single segment 2024-04-01 2024-12-31 Unaudited Standalone 1502421000.00 10853000.00 0.00 118268000.00 204360000.00 0.00 0.00 0.00 1835902000.00 70203000.00 1906105000.00 0.00 0.00 0.00 97998000.00 757022000.00 6925000.00 0.00 0.00 0.00 0.00 127059000.00 989004000.00 917101000.00 0.00 917101000.00 181000000.00 0.00 181000000.00 736101000.00 0.00 0.00 0.00 0.00 736101000.00 -7515000.00 728586000.00 0.00 0.00 925954000.00 10 7.95 7.95 0.00 0.00 7.95 7.95 Other operating expenses 28781000.00 Provision/Write-off for Bad & Doubtfull Debts/Investments 40000000.00 Other operating expenses 77059000.00 Provision/Write-off for Bad & Doubtfull Debts/Investments 50000000.00 0.00 0.00 0.00 0.00 Item that will not be reclassified to profit or loss 648000.00 Item that will not be reclassified to profit or loss 150000.00 648000.00 150000.00 0.00 0.00 Item that will be reclassified to profit or loss 0.00 Item that will be reclassified to profit or loss -7665000.00 0.00 -7665000.00 0.00 0.00 648000.00 -7515000.00