Spandana Sphoorty Financial Limited (SPANDANA) — Defensive Interval Ratio
Spandana Sphoorty Financial Limited (SPANDANA) has a Defensive Interval Ratio of 462 days as of March 2025. Defensive assets of Rs54.38 Billion (cash Rs-, short-term investments Rs7.68 Billion, receivables Rs46.70 Billion) cover 462 days of daily cash needs of Rs117.61 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Spandana Sphoorty Financial Limited Defensive Interval Ratio (2015–2025)
This chart shows how Spandana Sphoorty Financial Limited's Defensive Interval Ratio has evolved across 11 annual periods from 2015 to 2025. As of March 2025, the ratio stands at 462 days, meaning defensive assets of Rs54.38 Billion can fund 462 days of operations without new revenue. For the complete balance sheet picture, see how large is Spandana Sphoorty Financial Limited's balance sheet.
Annual Defensive Interval Ratio for Spandana Sphoorty Financial Limited (2015–2025)
The table below presents the year-by-year Defensive Interval Ratio for Spandana Sphoorty Financial Limited from 2015 to 2025, covering 11 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See Spandana Sphoorty Financial Limited (SPANDANA) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (INR) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 462 days | Rs54.38 Billion | Rs117.61 Million/day | Rs- | Rs7.68 Billion | ▼ -18 days |
| 2024 | 481 days | Rs86.32 Billion | Rs179.58 Million/day | Rs5.90 Billion | Rs4.00 Billion | ▼ -448926 days |
| 2023 | 449406 days | Rs49.53 Billion | Rs110.22K/day | Rs200.04 Million | Rs1.91 Billion | ▲ +449339 days |
| 2022 | 67 days | Rs4.46 Billion | Rs66.55 Million/day | Rs200.53 Million | Rs4.06 Billion | ▲ +23 days |
| 2021 | 44 days | Rs4.39 Billion | Rs100.25 Million/day | Rs2.52 Billion | Rs1.75 Billion | ▼ -80 days |
| 2020 | 124 days | Rs8.97 Billion | Rs72.53 Million/day | Rs0.00 | Rs8.75 Billion | ▼ -474 days |
| 2019 | 598 days | Rs36.28 Billion | Rs60.70 Million/day | Rs71.09 Million | Rs2.13 Billion | ▼ -26542 days |
| 2018 | 27139 days | Rs31.11 Billion | Rs1.15 Million/day | Rs170.37 Million | Rs21.80 Million | ▲ +20631 days |
| 2017 | 6508 days | Rs11.94 Billion | Rs1.84 Million/day | Rs0.00 | Rs-15.89 Million | ▲ +6124 days |
| 2016 | 384 days | Rs11.72 Billion | Rs30.52 Million/day | Rs- | Rs-35.42 Million | ▼ -69 days |
| 2015 | 453 days | Rs11.09 Billion | Rs24.49 Million/day | Rs- | Rs- | — |