Slides
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Investor Presentation – Q2 FY’27
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Orchestrating Intelligent Enterprises 2 Newgen – Key Highlights (FY’26) 34 years of Innovation, Passion, and Excellence Presence in 79 countries ~500 Active Customers 47 New Logo additions 67 patent filings till date, 12 patents filed and 2 granted in the year Consistently recognized by Gartner and Forrester Great Place to Work certified Second time in a row 17 verticals Major Verticals including AI Products introduced for Lending, Trade, Insurance, Knowledge Management, Onboarding Banking & FS, Insurance, Government 101 customers over Rs 50mn billing All Figures as of March 31, 2026
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Orchestrating Intelligent Enterprises 3 Newgen – Financial Snapshot (FY’26) Rs 15,744 Million Revenue (6% YoY Growth) Rs 3,343 Million PAT (excl. Exceptional items)** (6.0% YoY Growth) Rs 3,691 Million US Geography Revenue (17% YoY Growth) Rs 4,058 Million EBITDA (7.9% YoY Growth) Rs 9,684 Million Annuity Revenues* (62% of Revenues) • Annuity revenues comprise of ATS/AMC and Cloud/ Subscription License revenue streams and Support revenues ** Excludes Exceptional items, Net of tax adjustment All Figures as of March 31, 2026 Rs 2,318 Million Net Cash Flow from Operations
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Orchestrating Intelligent Enterprises 4 NewgenONE Platform: Six Pillars of Dependable AI NewgenONE: Enterprise orchestration layer designed to coordinate human expertise, enterprise systems, business processes and AI agents within a single governed environment Orchestration Governed workflow execution ensuring policy compliance, correct approvals routing, and regulatory audit trails Content Orb The enterprise knowledge hub grounding AI in verified, real-time data across policies, records, and regulations. Customer Communication Management Delivering personalized, multi-channel, compliant enterprise communications. Data Science Studio Continuous improvement engine with ML model integration, data pipelines, and decisioning intelligence. Intelligent Document Processing Intelligent Document Processing for automated classification, extraction, and downstream workflow acceleration. The platform unifies six critical components into a single governed ecosystem— creating a closed-loop orchestration fabric that delivers traceable, compliant, and accountable outcomes at scale. NewgenONE Orchestration Layer Agent Studio Build, orchestrate, and deploy enterprise-grade AI agents with low- code tools and governed execution models.
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Orchestrating Intelligent Enterprises 5 NewgenONE AI Platform Governance & Observability Agent Engineering Enterprise Content Management (ECM) Business Process Management (BPM) Customer Communication Management (CCM)BRMS, Service Flow, Workflow Orchestration Integrated Data science Intelligent Document Processing (IDP) AI Studio Experience Layer Agent Execution & Traceability Role & Access Management Dashboard & Monitoring Design Time Run Time - Q&A on WI & Content - Content Summarization - Auto-Classification Knowledge Agents - Call Data Analysis - Improvement Recommendations - Intelligent Prospecting - Sales conversion Analytics Agent Definition - Single/Multi-Turn Agents - Autonomous Plan & Execute Agent Flow LLM Configuration MCP Server and Tools DokAxis Agentic Shield (Guardrails) - Workflow Generation - UI Generation - Data Object Generation - Report - Generatio n - Service Flow Generatio n - Agents for knowledge discovery Data Security Token Monitoring The Orchestration Engine for Enterprise Intelligence
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Orchestrating Intelligent Enterprises 6 The Newgen AI Advantage Newgen gives Enterprises in Banking, Insurance & Healthcare and Government verticals the platform to continuously innovate — embedding AI, automating workflows, and processing intelligence — without disruptions Reduce cost and eliminate redundancy across loan origination, claims processing, document handling, and customer communication Efficiency at Scale Faster, frictionless journeys — from instant loan decisions to personalized communications to real-time claims — that delight customers and build loyalty Customer Experience That Differentiates Audit-ready, regulation-aligned processes at scale — with full traceability, explainability, and governance built into every AI decision and workflow Compliance Without Compromise All from a single governed platform
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Orchestrating Intelligent Enterprises 7 Newgen AI in Banking: End-to-end Agentic Orchestration Process Modeler Form Builder BRE Agent StudioReports/Dashboards Document Management DS Studio Newgen LCAP CORPORATE TRANSACTIONAL BANKING HORIZONTAL AGENTS Communication AgentDocument Forensics AgentDocument Classification Agent RETAIL Loan Origination Solution Account Onboarding Collections Management • Customer Engagement Agent • Content Processing Agent • Documentation Agent • Verification Agent • Credit Decisioning Engine • Product Recommendation • Anomaly Detection • Strategy Simulator • Call Analytics/Conversational AI • Probability of Payment Trade Finance – AURA AI • Intent Sensing Agent • Document Intelligent Agent • Compliance validation agent • Discrepancy detection agent • Probability of default • STP / NSTP classifier Agent • Pricing Model Supply Chain Finance • Payment Fraud monitoring Agent Payments Loan Origination Solution • Document AI Agent • Financial Spreading • Fin Sight Agent • Behavioral Agent • 360-degree risk advisor(Sector & Macro, Contagion Risk, Negative news analytics) • AI Based CAM Lead Management • Call to Text Agent • Lead Scoring Agent • RM Assist IDP
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Orchestrating Intelligent Enterprises 8 Process Modeler Form Builder BRE Agent StudioReports/Dashboards Document Management DS Studio Newgen LCAP HORIZONTAL AGENTS Communication AgentDocument Forensics AgentDocument Classification Agent Sales & Distribution IDP Underwriting Claims Servicing • Lead Scoring & Qualification Agent • Product Recommendation Agent • Agent/Broker Assist Copilot • Quote Generation Agent • Underwriting Twin Agent • Data Enrichment Agent • Risk Assessment Agent • Policy Issuance Decision Agent • First Notice of Loss Agent • Claims Adjudication Agent • Document Verification Agent • Fraud Detection Agent • Settlement Recommendation Agent • Endorsement Processing Agent • Renewal & Retention Agent • Lapse Prediction Agent • Customer 360 Insight Agent Life Motor Health General Newgen AI in Insurance: Streamlining Insurance Operations and Journeys
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Orchestrating Intelligent Enterprises 9 Newgen AI in Government Product Portfolio 01 Records Management System 02 e-Gov 03 IDP (Public health, grants and Case management) 04 Tender Management • Intelligent Record Classification • Folder Recommendation • RAG based NLP search • Automated Keyword and Metadata Tagging • Q&A and Summarization • AI driven Email Filing • AI agents for departmental work like contract drafting, policy drafting etc • AI Assisted filing across productivity application • AI-powered PII detection with auto- redaction at ingestion • AI-Assisted Draft Generation • Natural Language Report Generation • Cross-Record Summarization & Knowledge Extraction • AI-Powered History & Transaction Insights • Draft Response Preparation from Historical Records • Smart routing suggestions • Document Intake across citizen, patient, applicant and admin records • AI Data Extraction for names, IDs, dates and reference numbers • Auto-Classification using custom document models • Smart Verification with suggested corrections • Exception Handling for incomplete or unclassified documents • Archival & Integration with OmniDocs and core systems • Tender Planning with type recommendation and cost estimates • Tender Drafting for technical and commercial documents • Compliance & Approval validation • Bid Intake Processing and bid opening statement generation • Bid Evaluation with compliance checks and price analysis • RAG-based tender drafting from policies and past awards • Automated vendor comparison and clarification assistance • AI-generated evaluation summary and award recommendations
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Orchestrating Intelligent Enterprises 10 Key Recognitions Recognized as a “Leader” in The Forrester Wave Content Platforms, Q1 2025 Recognized as a “Strong Performer” in The Forrester Wave Digital Process Automation Software, Q3 2025 Recognized as a “Contender” in The Forrester Wave Insurance Agency Management Systems, Q4 2025 Recognized in Forrester’s The Document Mining and Analytics Platforms Landscape, Q4 2025 Recognized in Forrester’s The Accounts Payable Invoice Automation Software Landscape, Q4 2025 Recognized in Forrester’s Insurance Agency Management Systems Landscape Q3 2025 Recognized in Forrester’sThe Digital Process Autom ation Landscape, Q2 2025 Recognized as a “Niche Player” in Gartner® Magic Quadrant for Business Orchestration and Automation Technologies Recognized in Gartner® Market Guide for Government Grant Management Solutions Recognized in Gartner® Market Guide for Commercial Loan Origination Solutions. Recognized in Gartner® Market Guide for Commercial Banking Trade Finance Recognized in Gartner® Market Guide for Commercial Banking Cash Management Recognized in Gartner® Market Guide for U.S.Healthcare Payers ‘ Provider Network Management Applications Recognized in Gartner® Market Guide for U.S. Healthcare Provider Credentialing Recognized in Gartner® Hype Cycle for U.S. Healthcare Payers Recognized in Gartner® Hype Cycle for Bank Lending
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Orchestrating Intelligent Enterprises 11 Resilient Business Model in Place (1) Annuity comprises ATS/AMC, Cloud/ Subscription License and Support revenues Sale of ServicesSale of Products 62% 16% 22% Annuity Revenues(1)Large annuity revenues streams Mission critical solutions across key verticals FY26 Revenue Split by Segment USAIndia 31% 29% 23% EMEA 17% APACDiversification across geographies FY26 Revenue Split by Geography Insurance & Healthcare Govt. 68% 8%16% Banking & FS 9% Others FY26 Revenue Split by Segment
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Orchestrating Intelligent Enterprises 12 7,790 9,740 12,438 14,869 15,744 F Y ' 2 2 F Y ' 2 3 F Y ' 2 4 F Y ' 2 5 F Y ' 2 6 4,565 5,945 7,498 8,337 9,684 F Y' 22 F Y' 23 F Y' 24 F Y' 25 F Y' 26 Strong Acceleration in Revenues and Profits Revenues (INR Mn)Revenues (INR Mn) (INRm) Annuity Revenues (INR Mn)Annuity Revenues (INR Mn) (INRm) (1) Annuity Revenues comprise of ATS/AMC, Cloud/ Subscription fee for License and Support revenue streams (2) Excludes Exceptional Items, Net of tax adjustment. Post considering the impact of Labour Codes and Provision for legal claim,the Profit after Tax is Rs 106 cr for Q4 FY’26 and Rs 301 cr for FY’26, Basic EPS is Rs 7.56 for Q4 FY26 and Rs 21.38 for FY’26. 21% CAGR Growth 19% CAGR Growth 1,642 1,763 2,516 3,152 3,343 F Y ' 2 2 F Y ' 2 3 F Y ' 2 4 F Y ' 2 5 F Y ' 2 6 Profit after Tax (INR Mn) (Excl. Exceptional items)* Profit after Tax (INR Mn) (Excl. Exceptional items)* (INRm) 19% CAGR Growth
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Orchestrating Intelligent Enterprises 13 Board of Directors Saurabh Srivastava Independent Director Subramaniam Ramnath Iyer Independent Director Padmaja Krishnan Independent Director Diwakar Nigam Chairman and Managing Director T.S. Varadarajan Co-Founder and Executive Vice Chairman Priyadarshini Nigam Whole Time Director Sudhir Sethi Independent Director Shubhi Nigam Non-Executive Director
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Orchestrating Intelligent Enterprises 14 Leadership Team Diwakar Nigam Chairman and Managing Director Pramod Kumar Chief Growth Officer Anand Raman EVP & COO - Newgen Software Inc. Rajvinder Singh Kohli Sr. VP – Global GSI Sales Tarun Nandwani Chief Executive Officer Arun Kumar Gupta Chief Financial Officer Sunil Pandita Sr. VP – Sales (India & South Asia) Vivek Bhatnagar Sr. VP –Sales (MEA) T.S. Varadarajan Co-Founder and Executive Vice Chairman Priyadarshini Nigam Whole Time Director
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Orchestrating Intelligent Enterprises 15 Leadership Team R. Krishna Kumar VP – Sales (Australia) Anurag Kumar Shah VP – Product & Solutions (Americas) Arpan Bansal VP – Marketing (Govt. & GSI Initiatives) Nikhil Sawhney VP – Customer Relations (EMEA, APAC) Prashant Sahai VP – Sales (Middle East) Atin Kumar VP-Global Delivery Sandeep Hinduja VP – Sales (Americas) Nitin Gupta VP – Customer Success (Americas) Ritesh Varma VP – Product & Solutions (India, EMEA, APAC) Shikha Bhatt VP – Delivery (India) Sanjay Pandey VP – Product Engineering Varun Goswami VP – Product Management Runki Goswami VP – Marketing Rajnish Kumar VP –HR (Talent Management & DEI) Deepika Kapoor VP – Product Dinesh Kumar Parikh VP – Product Kaushal Verma VP – New Solutions Group (Banking) Anagat Pareek VP – Cloud and Cyber Security Saras Agarwal VP – Healthcare COE and Strategic Accounts (US) Jagadish Yarlagadda VP – Sales (Americas) Kashish Daya Kapoor CHRO
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Orchestrating Intelligent Enterprises 16 Q2 FY’27 Results
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Orchestrating Intelligent Enterprises 17 Financial Highlights – Q2 FY’27 Healthy Revenue growth 5.4% YoY revenue growth Predictable, recurring revenue continued to support overall growth Resilient margins 25.8% / 20.6% (EBITDA margin) (PAT margin) Operational efficiencies and cost controls helped maintain margins Operational efficiency 45.3% Employee costs as a % of revenue Improvement over 47.1% in Q2 FY’26 Recurring revenue led growth 36.4% SaaS growth Recurring revenue strengthened, supported by growth in Support and ATS
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Orchestrating Intelligent Enterprises 18 Key Business Highlights International markets drove growth: • EMEA region recovered during the quarter, with growth of 19.4% YoY • The Americas region continued to expand, recording growth of 17.1% YoY Share of recurring revenues increasing: Total annuity revenues witnessed sustained growth of 14.7% YoY New enterprise customers expanded the global customer base with addition of 9 enterprise customers during the quarter Industry recognition for Low-code and AI-led Enterprise innovation: Newgen received recognition for “Excellence in Low-Code & AI-Led Enterprise Innovation” at the ET Business Excellence and Leadership Summit 2026 Short-term credit rating reaffirmed: CRISIL maintained the Company’s A1 rating for its debt instruments and facilities *Press Releases | Newgen Software
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Orchestrating Intelligent Enterprises 19 Financial Summary (Consolidated) YoY GrowthH1 FY’26H1 FY’27 YoY GrowthQ2 FY26Q2 FY27Particulars 8.0%7,2157,789 5.4%4,008 4,222 Revenue from operations Revenue (INR Mn) 12.0%426 477 -13.5%132 115Other Income 8.2%7,641 8,266 4.7%4,140 4,337 Total Income 11.9%1,474 1,650 6.5%1,024 1,090 EBITDA Profits (INR Mn) 13.9%1,315 1,497 6.3%817 869 Profit after tax (excl. Exceptional items)* 20.4%21.2%25.5%25.8%EBITDA Margin (%) 18.2%19.2%20.4%20.6% Profit after tax (excl. Exceptional items)* (on revenue) 13.1%9.37 10.60 5.7%5.82 6.16 Basic* EPS (INR) 15.2%9.14 10.53 7.5%5.69 6.12 Diluted ** ** Excluding Exceptional items, net of tax adjustment
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Orchestrating Intelligent Enterprises 20 Revenues Across Verticals and Geographies Q2 FY’27 Revenue Split by VerticalQ2 FY’27 Revenue Split by Vertical Q2 FY’27 Revenue Split by GeographyQ2 FY’27 Revenue Split by GeographyQ2 FY’27 Revenue Split by SegmentQ2 FY’27 Revenue Split by Segment Banking 62% Govt. 11% Insuranc e & Healthca re 18% Others 9% India 25% EMEA 35% USA 26% APAC (Ex- India) 14% Sale of Product s 14% SaaS 15% ATS/AM C 21% Support 28% Impleme ntation & other services 22%
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Orchestrating Intelligent Enterprises 21 Key Wins Secured several strategic customer wins across banking, insurance, and enterprise content management: Executed an Agreement with a health insurance company in USA for supply, installation, implementation and cloud hosting of the NewgenONE Complaints, Appeals and Grievances Solution with a value of USD 5.5mn for 3 years Working with a government body in Qatar for Newgen Platform license, implementation, maintenance and support for International Regulatory Reporting and Compliance Platform Solution USD 1.8mn Upgradation of Commercial Loan & Retail Loan Origination System for a leading bank in EMEA with booking value of Rs 11.4cr Providing Loan Management Solution to a leading life insurance company in India
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Orchestrating Intelligent Enterprises 22 Newgen AI Readiness Horizontal Product Platform & AI products Product readiness NewgenONE AI Studio; Marvin, DokAxis, IDP and Data Science Studio Live customers ( 5 ) AI knowledge & records management live across government agencies Ready AI agents ( 15 ) Filing, policy, search, knowledge, PII protection and records-ops agents Recognition & IP Forrester Wave Leader (Content Platforms, Q1 2025); 67 patent filings, 11 in AI Vertical Industry AI solutions Banking Retail and Commercial Lending, Onboarding, Transaction Banking solutions 8 recent AI wins Insurance 6 persona solutions (AI Risk & Insurance Assessment, Claims Loss Intelligence & Optimization, Next-gen Assistance & Virtual Intelligence, Verification & Reconciliation Ops, Document Analytics & Extraction, Customer Onboarding & Relationship) 2 recent wins Government Records Management, Government Productivity, Tender Intelligence, Agentic Process Automation 3 AI deals won in FY26–27; 3 live references Healthcare Appeals & grievances and provider-lifecycle solutions Built for this moment: 30+ years of regulated-industry trust, a AI platform, vertical AI already selling, and measurable customer value
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Orchestrating Intelligent Enterprises 23 A complete AI-ready Platform, already in use Commissioning StatusWhat it doesComponent GA (Sep 2026)Design, deploy, monitor and govern AI agents: single-turn, multi-turn and plan- and-execute; knowledge bases; MCP tools; HITL; guardrails NewgenONE AI Studio: Agent Studio 1.0 GA (Sep 2026)Low-code deterministic flows that call LLMs and MCP tools; flows published as APIs or MCP tools NewgenONE AI Studio: Agent Flow 2.0.2 GAGenAI across ECM, BPM and CCM: classification, auto-fill, Q&A, summariesNewgenONE Marvin GAKnowledge construction: AI-ready repositories powering semantic search, RAG and assistantsDokAxis GADocument classification and extraction, with low-code model trainingIDP Studio GABuild, train and deploy ML models (e.g. probability of default, fraud, SLA breach)Data Science Studio 67 Patent filings to date 25 Patent grants till date 11 AI patent filings 2 Patents granted in FY’ 26
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Orchestrating Intelligent Enterprises 24 Key AI led deals in H1 FY’27 Scope of work in AIRegionCustomer Providing AI-enabled content and records management, including automated record filing and metadata enrichment, enabling conversational and cross-record discovery, and capturing workplace content into governed records APACKey government department Transaction Banking AURA AI solution applying intent sensing, document intelligence, compliance validation and discrepancy detection to workflows EMEALeading banking customer Support in document classification, providing counter-offers, underwriting assistUSPublicly traded financial services company Implementing AI-enabled Record Management System for capturing workplace content into governed records EMEAGovernment authority in Africa Providing Project Financing Loan Origination system EMEALeading financial services company Providing AI-enabled Enterprise content management platformUSLarge credit union Intelligent Document Processing for Patient Health RecordsAPACKey government department Implementation and maintenance of AI-enabled Loan Origination and Collections SystemIndiaAnnapurna Finance Pvt. Ltd. 10 AI-deals in Bookings 7 in Banking & Financial Services Vertical 3 in Government Vertical 4 EMEA 2 APAC 3 US 1 India
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Orchestrating Intelligent Enterprises 25 Debtors Days Debtor Days (Based on Net Debtors) Note: The business is seasonal in nature with proportionately higher revenues and debtor days in the year end period (March) 112 117 118 138 123 124 125 164 145 145 0 20 40 60 80 100 120 140 160 180 Q1 FY'25 Q2 FY'25 Q3 FY'25 Q4 FY'25 Q1 FY'26 Q2 FY'26 Q3 FY'26 Q4 FY'26 Q1 FY'27 Q2 FY'27
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Orchestrating Intelligent Enterprises 26 Disclaimer This presentation may contain certain forward-looking statements concerning Newgen Software Technologies’ future business prospects and business profitability, which are subject to several risks and uncertainties and the actual results could materially differ from those in such forward-looking statements. The risks and uncertainties relating to these statements include, but are not limited to, risks and uncertainties regarding fluctuations in earnings, our ability to manage growth and new business opportunities, competition (both domestic and international), economic growth in India and the target countries for business, ability to attract and retain highly skilled professionals, time and cost over runs on projects, our ability to manage our international operations, government policies, interest and other fiscal costs generally prevailing in the economy and general economic conditions affecting the industry. Past performance may not be indicative of future performance. The company does not undertake to make any announcement in case any of these forward-looking statements become materially incorrect in future or update any forward-looking statements made from time to time by or on behalf of the company. For any investor queries, please contact: Deepti Mehra Chugh Head – Investor Relations Phone: +91 11 46 533 200 Mail : deepti.chugh@newgensoft.com www.newgensoft.com For any investor queries, please contact: Deepti Mehra Chugh Head – Investor Relations Phone: +91 11 46 533 200 Mail : deepti.chugh@newgensoft.com www.newgensoft.com India Offices include Mumbai, Chennai, Bengaluru, Kolkata, Hyderabad, Noida, New Delhi ! Mississauga, ON Tampa, FL McLean, VA London, UK Dubai, AE New Delhi, IN Mumbai, IN Bengaluru, IN Chennai, IN Singapore, SG Sydney, AU Global Offices San Francisco, CA New York, NY Riyadh, KSA Saudi Arabia
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Orchestrating Intelligent Enterprises 27 P&L Statement H1 FY'26H1 FY'27Q1 FY 2027Q2 FY 2026Q2 FY 2027 (All amounts in INR Mn, except per share data and unless otherwise stated) Revenue 7,214.5 7,789.2 3,566.8 4,007.9 4,222.4 Revenue from operations 426.1 477.1 362.7 132.2 114.4 Other income 7,640.6 8,266.33,929.54,140.14,336.8 Total revenue Expenses 3,701.1 3,815.6 1,901.0 1,886.0 1,914.7 Employee benefits 24.0 17.7 8.6 11.8 9.0 Finance costs 181.6 186.4 92.1 91.0 94.3 Depreciation and amortization 2,039.4 2,324.1 1,106.8 1,097.9 1,217.3 Other expenses 5,946.2 6,343.7 3,108.4 3,086.8 3,235.3 Total expenses 1,694.4 1,922.7 821.2 1,053.4 1,101.5 Profit before tax Exceptional Items Tax expenses 420.1 474.2 185.7 268.2 288.4 Current tax / Tax expense for earlier years -40.3 -48.5 7.2 -32.2 -55.7 Deferred tax (credit)/charge 1,314.6 1,497.0 628.2 817.4 868.8 Profit after tax for the year 98.0 51.0 12.1 67.8 38.9 Other comprehensive income/(loss) for the year, net of income tax 1,412.6 1,548.0 640.3 885.2 907.7 Total comprehensive income for the year Earnings per equity share (face value of Rs. 10 per share) 9.4 10.6 4.44 5.82 6.16 Basic earning per share 9.1 10.5 4.41 5.69 6.12 Diluted earning per share
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Orchestrating Intelligent Enterprises info@newgensoft.com www.newgensoft.com