CRISIL is a leading, agile, and innovative global analytics company driven by its mission of making

markets function better. they are India’s foremost provider of ratings, data, research, analytics, and
solutions. A strong track record of growth, culture of innovation and global footprint setting them
apart. Revenue from the Company’s consolidated operations for 2020 was Rs 2,064.98 crore, 14.4%
higher as against Rs 1,804.56 crore in the previous year. The company’s net worth per share grew to
180.7cr from 162.1 cr. During the pandemic year. The Group completed the acquisition of 100%
stake in Greenwich Associates LLC (USA) and its subsidiaries (GA), on February 26, 2020, at a total
value of USD 40 million, which includes upfront and deferred consideration. GA is a leading provider
of proprietary benchmarking data, analytics and qualitative, actionable insights that helps financial
services firms worldwide measure and improve business performance. They continue to be one of
the largest providers of fixed income indices in India and have launched two new indices in 2020,
taking the total count to 98. In all , there is a lot of potential for growth of this company with
increasingly new business conditions developing in current scenario.

HDFC Bank has always been strong, growing consistently through multiple economic cycles. We have
capitalised on opportunities without giving in to greed. We are well positioned with a strong balance
sheet and healthy liquidity. They are pioneers in building a technology-led Bank and we are one of
the first to offer Net Banking services, 10-sec Personal loan, App Banking and now WhatsApp
Banking Over the last three years the banks has reduced NPA’s from 1.30% in 2018-19 to 1.26% in
2020-21, increased PCR to 72% in 2020 and CASA ratio stood at 42.2 % in 2020. It was possible
because as a bank they have:

• One of the biggest and strongest balance sheets

• High capital adequacy levels

• Market leadership in most of the products that we deal in

• An excellent reputation for delivering value to all stakeholders, especially shareholders

• Technology that offers an omnichannel

• A commitment to society that is second to none

They intend to continue to innovate, adapt, and disrupt to remain trailblazers and will continue to
invest ahead in technology, computing and artificial intelligence to provide hyper-personalised
offerings/experiences to the customers to become a Digital First Bank where every customer
interaction at any touchpoint is intuitive, seamless, contextual and predictive. All these collectively
ensures that they can reduce costs and increase the reach. Over the past decade, they have built a
scalable and profitable business model in the semi-urban and rural markets. Today, these areas
together account for over half of their total banking outlets.
TCS

Earnings per share (EPS) 98.89

Gross Margin 43.59%

Net Profit Margin 20.55%

Debt/Equity Ratio 0%

TCS is an IT services, consulting and business solutions organization partnering many of the world’s
largest businesses in their transformational journeys for the last 50 years. It has a global presence,
deep domain expertise in multiple industry verticals and a complete portfolio of offerings – grouped
under consulting and service integration, digital transformation services, cloud services, cognitive
business operations, and products and platforms.

TCS’ agility, resilience and responsiveness during the crisis earned it tremendous goodwill
from customers and enhanced its standing in the market. In the FY 2020-21 Despite a sharp
fall in revenues in the first quarter, progressively strengthening demand for our services
helped us stage a swift recovery during the rest of the year, helping clock full year revenues
of ₹164,177 crore in FY 2021, growing 4.6% Our operating margin continued to be industry
leading at 25.9%, an expansion of 1.3% over the prior year. Net profit was ₹33,388 crore, a
net margin of 20.3%. Furthermore, TCS is a debt free company with debt to equity ratio
equal to zero percent. It has a healthy EPS of 98.89 and net profit margin of 20.55%.

BIRLASOFT
Birlasoft combines the power of domain, enterprise, and, digital technologies to reimagine
business processes for customers and their ecosystems. The company has strategic level
Partnerships with SAP, Oracle, and with Salesforce. They possess significant digital
capabilities in analytics, Robot Process Automation, digital portals, user experience and
digital advisory services, a large set of solutions and services demonstrates its capabilities
and presence in application development, support and maintenance for next generation
services in the digital world. During FY 2020-21, the company reported a growth of 8% yoy
with revenues of INR 35,557 Million and their profitability took a jump of 43% on a yearly
basis. Birlasoft has a solid Balance sheet with debt to equity ratio of 0% and the company is
debt free.