PEC-3

Menesh Ajay B
PES1UG22BC211

Name & Designation of the Mrs. Brinda A – HR

University Guide Motilal Oswal
Table of contents

Sl. No. Contents of Presentation

1. Data Analysis and Processing
2. Conclusion and Recommendations
3. Weekly Reports
Data Analysis and Processing
Capital and Liabilities
250000

200000

150000

100000

50000

0
FY 2020 FY 2021 FY 2022 FY 2023 FY 2024

Partners' Share Capital Reserves and Surplus Long-Term Borrowing

Accounts Payable Total Liabilities

Assets
350,000
300,000
250,000
200,000
150,000
100,000
50,000
0
FY 2020 FY 2021 FY 2022 FY 2023 FY 2024

Land and Building Cash

Accounts Receivable Total Assets
Data Analysis and Processing
Income
5,000.00
4,500.00
4,000.00
3,500.00
3,000.00
2,500.00
2,000.00
1,500.00
1,000.00
500.00
0.00
FY 2020 FY 2021 FY 2022 FY 2023 FY 2024

Revenue from Services Other Income Total Income

Expenses
3000

2500

2000

1500

1000

500

0
FY 2020 FY 2021 FY 2022 FY 2023 FY 2024

Salary Depreciation Other Expenses Total Expenses

Data Analysis and Processing
Profit
2000

1500

1000

500

0
FY 2020 FY 2021 FY 2022 FY 2023 FY 2024
-500

Profit Before Tax Tax Expense (30%) Profit After Tax

Overall
Profit Before Tax

Other Expenses
Particulars

Revenue from Services

Accounts Receivable
Particulars

Accounts Payable
Partners' Share Capital
-200000 0 200000 400000 600000 800000 1000000 1200000

Capital and Liabilities FY 2020 Capital and Liabilities FY 2021 Capital and Liabilities FY 2022 Capital and Liabilities FY 2023 Capital and Liabilities FY 2024
Data Analysis and Processing

1. Financial Growth Overview (FY2020–FY2024)

•Total Income: Grew from ₹1,306 Cr (2020) to ₹4,597 Cr (2024) – a 252% increase, driven by strong revenue from services.

•Profit After Tax: Surged from ₹197 Cr (2020) to ₹1,490 Cr (2024) – a 657% rise, reflecting improved efficiency.

•Total Assets: Expanded from ₹1,011 Cr (2020) to ₹3,183 Cr (2024), indicating significant investments.

2. Key Strengths

•Revenue Growth: Services revenue doubled every 2 years (e.g., ₹1,238 Cr in 2020 to ₹4,483 Cr in 2024).

•Reserves & Surplus: Jumped from ₹22,552 Cr (2020) to ₹77,151 Cr (2024), showing strong retained earnings.

•Cash Reserves: Increased 6x from ₹8,435 Cr (2020) to ₹52,857 Cr (2024), ensuring liquidity.
Data Analysis and Processing

3. Areas to Watch

•Expenses:
• Salaries rose 162% (₹312 Cr to ₹815 Cr), likely due to hiring/scaling.

• Total expenses grew 152% (₹1,112 Cr to ₹2,804 Cr), but were offset by higher revenue.

•Borrowings: Long-term debt increased 151% (₹24,576 Cr to ₹61,668 Cr), suggesting leveraged growth.

4. Profitability Metrics
•2024 Profit Margin: 32.4% (PAT/Total Income), up from 15% in 2020.

Year Profit Before Tax (Cr) Tax (30%) Profit After Tax (Cr)

2020 ₹194 (₹2.7)* ₹197

2024 ₹1,792 ₹302 ₹1,490

Note: *Negative tax in 2020 implies

possible credits/adjustments.
Conclusion and Recommendation

Conclusion
Investing in stock market securities comes with an element of risk. To maximize wealth the
investor
needs to monitor the market constantly and perform in-depth research. However, this is a
daunting task
for the common investor. This is where the stockbroker steps in to help the investor by
providing
valuable investment advice which the investor can capitalize on. The stockbrokers must
demonstrate
strong financial performance and upright behavior in dealing with the clients keeping in
mind the
agency and principal relationship. The purpose of this paper was to ascertain MOFSL’s
financial status
during the study period 2020-2024 using ratio analysis. The study period taken for
consideration was quite challenging as the Indian economy experienced a downward spiral
due to the
COVID-19 pandemic. The financial sector experienced a roller coaster ride during this
period. Against
Conclusion and Recommendation

Recommendations for MOFSL

To sustain its growth trajectory and strengthen its market position, MOFSL should focus
on expanding rural penetration through targeted initiatives like mobile advisory units
and vernacular apps, tapping into India’s underserved retail investment segment.
Addressing its pricing competitiveness, the company could introduce tiered fee
structures and automate back-end processes to reduce costs, helping it rival low-cost
brokers like Zerodha. Digital infrastructure must be prioritized, with investments in AI-
driven tools and seamless mobile platforms to enhance user experience and align with its
strong brand reputation. Given the rising debt levels (₹61,668 Cr in FY24), refinancing
high-cost borrowings and maintaining robust cash reserves (₹52,857 Cr) will ensure financial
stability. Additionally, investor education programs, such as free webinars and
multilingual content, can build trust and widen the customer base organically.
Finally, diversifying revenue streams with niche offerings like ESG funds and SME IPOs,
alongside cross-selling insurance and wealth management services, will help capitalize on
emerging opportunities in India’s evolving financial landscape. Together, these strategies
will reinforce MOFSL’s leadership while addressing its weaknesses and leveraging its
strengths.
Weekly Reports(scanned)
THANK YOU