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American Express(India)
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Registered Details

AMERICAN EXPRESS(INDIA) PRIVATE LIMITED

www.americanexpress.com

Active

Updated: 23 Oct 2024

The company offers accounting and financial processes consolidation services to the American Express Company’s businesses.

American Express(India) Private Limited, is an unlisted private company incorporated on 28 June, 1994. It is classified as a private limited company and is located in New Delhi, Delhi. It's authorized share capital is INR 60.00 cr and the total paid-up capital is INR 27.54 cr.

Industry

Business Services

Products

Credit Cards Insurance Services, Charge Card Service, Domestic Travel Insurance Service, International Travel Insurance, International Money Transfer

Key Metrics

** All rupee values in INR crores. Based on March 2024 numbers.

Total Revenue

17.51%

₹ 7,165.3

EBITDA

16.66%

₹ 1,237.1

Net Profit

18.99%

₹ 824.8

Networth

17.8%

₹ 5,399.8

Borrowings

₹ -

Assets

20.1%

₹ 7,414.1

Gross Margin

100.0 %

Operating Margin

-0.15

17.7 %

Net Profit Margin

0.14

11.5 %

Return on Equity

0.15

15.3 %

ROCE

-1.99

21.1 %

Debt to Equity

0.0

Sales

Mar 2024

Net worth

Mar 2024

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Locations

India (13)

State	Type	Address

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Tofler Score measures the quality of performance and integrity of a company. It is dependent on three key factors - Sustainability, Governance, and Growth.

Financial Highlights

** All numbers in INR crores

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Sales	3,453.4	3,338.4	4,180.2	5,927.9	6,973.1
Operating profit	734.6	621.5	835.2	1,060.4	1,237.1
Net profit	433.1	371.0	529.4	693.1	824.8
Gross margin	100.0	100.0	100.0	100.0	100.0
Operating margin	21.3	18.6	20.0	17.9	17.7
Net margin	12.1	10.7	12.3	11.4	11.5
Networth	3,041.0	3,420.0	3,886.8	4,583.9	5,399.8
Borrowings	-	-	-	-	-
Assets	4,210.6	4,599.5	5,396.6	6,173.1	7,414.1
Debt to equity	0.0	0.0	0.0	0.0	0.0
Current ratio	4.0	2.0	1.8	4.0	3.8
ROE	14.2	10.8	13.6	15.1	15.3
Days payable	-	-	-	-	-
WC days	143.0	58.0	44.0	127.0	139.0

Margins

Gross margin

Operating margin

Net margin

Balance Sheet

Standalone

Consolidated

₹

** All numbers in INR crores

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Equity Capital	27.5	27.5	27.5	27.5	27.5
Reserves	3,013.5	3,392.4	3,859.3	4,556.4	5,372.2
Borrowings +	-	-	-	-	-
Long term borrowings	-	-	-	-	-
Short term borrowings	-	-	-	-	-
Trade payables +	140.1	133.4	152.4	184.3	308.4
Days payable	-	-	-	-	-
Other liabilities +	1,169.6	1,179.5	1,509.7	1,589.2	2,014.3
Other non-current liabilities	713.8	672.0	918.1	888.1	1,049.0
Other current liabilities	315.7	374.2	439.2	516.8	656.8
Total liabilities	4,210.6	4,599.5	5,396.6	6,173.1	7,414.1
Fixed Assets +	1,007.3	1,007.7	1,294.5	1,347.7	1,847.1
Tangible assets	1,005.4	899.9	1,003.2	995.6	904.1
CWIP	1.9	107.8	291.3	352.1	943.0
Intangible assets	-	-	-	-	-
LT loans and advances	-	-	-	-	-
Other non-current assets	1,397.3	2,557.9	3,011.4	2,058.4	1,949.8
Current assets +	1,806.0	1,033.9	1,090.6	2,766.9	3,617.1
Inventories	-	-	-	-	-
Trade receivables	254.9	305.1	406.8	772.8	920.1
Cash and cash equivalents	306.0	531.7	460.8	721.0	1,014.7
ST loans and advances	43.0	-	-	-	-
Other current assets	1,202.0	197.0	223.1	1,273.1	1,682.4
Total assets	4,210.6	4,599.5	5,396.6	6,173.1	7,414.1

Percentage of assets	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Equity Capital	0.65	0.6	0.51	0.45	0.37
Reserves	71.57	73.76	71.51	73.81	72.46
Borrowings +	0.0	0.0	0.0	0.0	0.0
Long term borrowings	0.0	0.0	0.0	0.0	0.0
Short term borrowings	0.0	0.0	0.0	0.0	0.0
Trade payables	3.33	2.9	2.82	2.99	4.16
Other liabilities +	27.78	25.64	27.98	25.74	27.17
Other non-current liabilities	16.95	14.61	17.01	14.39	14.15
Other current liabilities	7.5	8.14	8.14	8.37	8.86
Total liabilities
Fixed Assets +	23.92	21.91	23.99	21.83	24.91
Tangible assets	23.88	19.56	18.59	16.13	12.19
CWIP	0.05	2.34	5.4	5.7	12.72
Intangible assets	0.0	0.0	0.0	0.0	0.0
LT loans and advances	0.0	0.0	0.0	0.0	0.0
Other non-current assets	33.19	55.61	55.8	33.35	26.3
Current assets +	42.89	22.48	20.21	44.82	48.79
Inventories	0.0	0.0	0.0	0.0	0.0
Trade receivables	6.05	6.63	7.54	12.52	12.41
Cash and cash equivalents	7.27	11.56	8.54	11.68	13.69
ST loans and advances	1.02	0.0	0.0	0.0	0.0
Other current assets	28.55	4.28	4.13	20.62	22.69
Total assets

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Equity Capital	27.5	27.5	27.5	27.5	27.5
Reserves	3,121.6	3,536.5	4,043.4	4,800.0	5,674.8
Borrowings +	-	-	-	-	-
Long term borrowings	-	-	-	-	-
Short term borrowings	-	-	-	-	-
Trade payables +	149.4	152.1	173.1	193.0	323.8
Days payable	-	-	-	-	-
Other liabilities +	1,214.5	1,228.4	1,573.6	1,647.6	2,082.6
Other non-current liabilities	726.4	689.6	944.6	917.5	1,081.3
Other current liabilities	338.6	386.7	455.9	537.1	677.5
Total liabilities	4,363.6	4,792.5	5,644.5	6,475.1	7,784.9
Fixed Assets +	1,015.2	1,020.1	1,314.4	1,364.0	1,854.6
Tangible assets	1,013.2	912.3	1,023.1	1,012.0	911.6
CWIP	1.9	107.8	291.3	352.1	943.0
Intangible assets	-	-	-	-	-
LT loans and advances	-	-	-	-	-
Other non-current assets	1,436.5	2,604.8	3,087.0	2,112.1	1,994.5
Current assets +	1,911.8	1,167.6	1,243.1	2,999.0	3,935.8
Inventories	-	-	-	-	-
Trade receivables	281.2	329.8	434.6	818.3	962.7
Cash and cash equivalents	366.5	549.3	491.8	771.4	1,025.2
ST loans and advances	43.0	-	-	-	-
Other current assets	1,221.0	288.5	316.7	1,409.3	1,947.9
Total assets	4,363.6	4,792.5	5,644.5	6,475.1	7,784.9

Percentage of assets	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Equity Capital	0.63	0.57	0.49	0.43	0.35
Reserves	71.54	73.79	71.63	74.13	72.89
Borrowings +	0.0	0.0	0.0	0.0	0.0
Long term borrowings	0.0	0.0	0.0	0.0	0.0
Short term borrowings	0.0	0.0	0.0	0.0	0.0
Trade payables	3.42	3.17	3.07	2.98	4.16
Other liabilities +	27.83	25.63	27.88	25.45	26.75
Other non-current liabilities	16.65	14.39	16.73	14.17	13.89
Other current liabilities	7.76	8.07	8.08	8.29	8.7
Total liabilities
Fixed Assets +	23.27	21.29	23.29	21.07	23.82
Tangible assets	23.22	19.04	18.13	15.63	11.71
CWIP	0.04	2.25	5.16	5.44	12.11
Intangible assets	0.0	0.0	0.0	0.0	0.0
LT loans and advances	0.0	0.0	0.0	0.0	0.0
Other non-current assets	32.92	54.35	54.69	32.62	25.62
Current assets +	43.81	24.36	22.02	46.32	50.56
Inventories	0.0	0.0	0.0	0.0	0.0
Trade receivables	6.45	6.88	7.7	12.64	12.37
Cash and cash equivalents	8.4	11.46	8.71	11.91	13.17
ST loans and advances	0.99	0.0	0.0	0.0	0.0
Other current assets	27.98	6.02	5.61	21.77	25.02
Total assets

Total assets

Profit & Loss

Standalone

Consolidated

₹

** All numbers in INR crores

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Sales +	3,453.4	3,338.4	4,180.2	5,927.9	6,973.1
Sales growth %	12.7	-3.33	25.22	41.81	17.63
Expenses +	2,947.0	2,953.3	3,595.6	5,163.9	6,045.4
Cost of goods	-	-	-	-	-
Employee cost	2,081.3	2,186.4	2,682.7	4,013.5	4,738.7
Other costs	637.4	530.5	662.3	854.0	997.3
Operating profit +	734.6	621.5	835.2	1,060.4	1,237.1
Operating margin %	21.3	18.6	20.0	17.9	17.7
Other income	126.9	118.0	132.2	169.7	192.2
Interest	38.8	32.2	28.9	25.6	23.4
Depreciation	189.4	204.1	221.6	270.9	286.0
Exceptional items	-	-	-	-	-
Profit before tax	633.3	503.1	716.8	933.7	1,119.9
Tax	200.3	132.1	187.4	240.6	295.1
Profit - disc. ops	-	-	-	-	-
Net profit	433.1	371.0	529.4	693.1	824.8
Net margin %	12.1	10.7	12.3	11.4	11.5

Precentage of total income	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Sales	96.46	96.59	96.93	97.22	97.32
Expenses +	82.31	85.44	83.38	84.69	84.37
Cost of goods	0.0	0.0	0.0	0.0	0.0
Employee cost	58.13	63.26	62.21	65.82	66.13
Other costs	17.8	15.35	15.36	14.01	13.92
Operating profit	20.52	17.98	19.37	17.39	17.27
Other income	3.54	3.41	3.07	2.78	2.68
Interest	1.08	0.93	0.67	0.42	0.33
Depreciation	5.29	5.91	5.14	4.44	3.99
Exceptional items	0.0	0.0	0.0	0.0	0.0
Profit before tax	17.69	14.56	16.62	15.31	15.63
Tax	5.59	3.82	4.35	3.95	4.12
Profit - disc. ops	0.0	0.0	0.0	0.0	0.0
Net profit	12.1	10.73	12.28	11.37	11.51

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Sales +	3,766.7	3,635.3	4,512.6	6,359.3	7,428.0
Sales growth %	12.49	-3.49	24.13	40.92	16.81
Expenses +	3,211.3	3,200.8	3,870.6	5,530.4	6,432.0
Cost of goods	-	-	-	-	-
Employee cost	2,279.9	2,352.8	2,861.5	4,262.1	5,014.2
Other costs	697.6	606.5	750.4	961.2	1,099.8
Operating profit +	789.2	676.0	900.8	1,135.9	1,314.0
Operating margin %	20.9	18.6	20.0	17.9	17.7
Other income	127.5	119.5	133.0	185.1	203.8
Interest	38.8	32.2	28.9	25.6	23.4
Depreciation	195.0	209.2	229.8	281.5	294.7
Exceptional items	-	-	-	-	-
Profit before tax	682.9	554.0	775.0	1,014.0	1,199.8
Tax	213.5	145.4	201.7	261.8	315.9
Profit - disc. ops	-	-	-	-	-
Net profit	469.4	408.6	573.3	752.1	883.8
Net margin %	12.1	10.9	12.3	11.5	11.6

Precentage of total income	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Sales	96.73	96.82	97.14	97.17	97.33
Expenses +	82.46	85.25	83.32	84.51	84.28
Cost of goods	0.0	0.0	0.0	0.0	0.0
Employee cost	58.55	62.66	61.59	65.13	65.7
Other costs	17.91	16.15	16.15	14.69	14.41
Operating profit	20.27	18.0	19.39	17.36	17.22
Other income	3.27	3.18	2.86	2.83	2.67
Interest	1.0	0.86	0.62	0.39	0.31
Depreciation	5.01	5.57	4.95	4.3	3.86
Exceptional items	0.0	0.0	0.0	0.0	0.0
Profit before tax	17.54	14.75	16.68	15.49	15.72
Tax	5.48	3.87	4.34	4.0	4.14
Profit - disc. ops	0.0	0.0	0.0	0.0	0.0
Net profit	12.05	10.88	12.34	11.49	11.58

Revenue from operations

Ratios

Standalone

Consolidated

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Solvency +
Total Debt/Equity	0.0	0.0	0.0	0.0	0.0
Net Debt/Equity	0.0	0.0	0.0	0.0	0.0
Total Debt/Assets	0.0	0.0	0.0	0.0	0.0
Total Assets/Equity	1.4	1.3	1.4	1.4	1.4
Liquidity +
Current Ratio	4.0	2.0	1.8	4.0	3.8
Quick Ratio	4.0	2.0	1.8	4.0	3.8
Interest Coverage	18.9	19.3	28.9	41.5	53.0
Performance
Gross Margin	100.0	100.0	100.0	100.0	100.0
Operating Margin	21.3	18.6	20.0	17.9	17.7
Net Margin	12.1	10.7	12.3	11.4	11.5
Return +
Return on Equity	14.2	10.8	13.6	15.1	15.3
Pre-tax ROCE	23.1	27.2	34.2	23.1	21.1
Return on Assets	10.3	8.1	9.8	11.2	11.1
Pre-tax ROIC	17.9	12.2	15.8	17.2	17.6
Efficiency +
Days Payable	-	-	-	-	-
Days Inventory	-	-	-	-	-
Days Receivable	27.0	33.0	36.0	48.0	48.0
Fixed Asset Turnover	3.4	3.3	3.2	4.4	3.8
Total Asset Turnover	0.8	0.7	0.8	1.0	0.9
Working Capital
Cash Conversion Cycle	27.0	33.0	36.0	48.0	48.0
Working Capital Days	143.0	58.0	44.0	127.0	139.0

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Solvency +
Total Debt/Equity	0.0	0.0	0.0	0.0	0.0
Net Debt/Equity	0.0	0.0	0.0	0.0	0.0
Total Debt/Assets	0.0	0.0	0.0	0.0	0.0
Total Assets/Equity	1.4	1.3	1.4	1.3	1.4
Liquidity +
Current Ratio	3.9	2.2	2.0	4.1	3.9
Quick Ratio	3.9	2.2	2.0	4.1	3.9
Interest Coverage	20.3	21.0	31.1	44.3	56.3
Performance
Gross Margin	100.0	100.0	100.0	100.0	100.0
Operating Margin	20.9	18.6	20.0	17.9	17.7
Net Margin	12.1	10.9	12.3	11.5	11.6
Return +
Return on Equity	14.9	11.5	14.1	15.6	15.5
Pre-tax ROCE	24.4	28.3	34.8	23.5	21.3
Return on Assets	10.8	8.5	10.2	11.6	11.3
Pre-tax ROIC	18.9	13.1	16.5	17.7	17.9
Efficiency +
Days Payable	-	-	-	-	-
Days Inventory	-	-	-	-	-
Days Receivable	27.0	33.0	35.0	47.0	47.0
Fixed Asset Turnover	3.7	3.6	3.4	4.7	4.0
Total Asset Turnover	0.9	0.8	0.8	1.0	0.9
Working Capital
Cash Conversion Cycle	27.0	33.0	35.0	47.0	47.0
Working Capital Days	138.0	63.0	50.0	130.0	144.0

Ratios

Current ratio

Debt/equity ratio

Charges on assets

As per information available, the company has no registered charges.

People

Designation	Name	DIN/PAN	Tenure
CS	Pankaj Kumar Dikshit	<HIDDEN>	13 years
Director	Amiy Amitabh	07675391	2 years
Whole-time Director	Sankara Narayanan	08153137	7 years
Whole-time Director	Ruchika Bhasin Ohri	08345225	6 years
Whole-time Director	Shikha Sharma	09364541	4 years
Director	Madhurima Khandelwal Gupta	10358993	2 years
Director	Amandeep Singh Juneja	10674245	1 years
Kmp	Ajay Malhotra	<HIDDEN>	3 years

Company Network

Companies connected through Directors

Name	Status	Paid up Capital	Common Directors	Address

Subsidiary Companies

Name	State / Country	Incorporation Year	Paidup Capital
AMERICAN EXPRESS BUSINESS SOLUTIONS (INDIA) PRIVATE LIMITED	Delhi	2015	₹ 80.8 Cr

Registered Details

CIN

U74899DL1994PTC059865

PAN

AAACA8163F

Incorporation

1994, 30.9 years

Company Email

pankaj.dikshit@aexp.com

Paid up Capital

₹ 27.5 Cr

Authorised Capital

₹ 60.0 Cr

AGM

Sep 2023

Type

Private

Non-government Company

FAQ - AMERICAN EXPRESS(INDIA) PRIVATE LIMITED

What is the incorporation date of AMERICAN EXPRESS(INDIA) PRIVATE LIMITED?

The incorporation date of AMERICAN EXPRESS(INDIA) PRIVATE LIMITED is 28 June, 1994

What is the authorized share capital of AMERICAN EXPRESS(INDIA) PRIVATE LIMITED?

The authorized share capital of AMERICAN EXPRESS(INDIA) PRIVATE LIMITED is INR ₹ 60.0 Cr.

What is the paid-up capital of AMERICAN EXPRESS(INDIA) PRIVATE LIMITED?

The paid-up capital of AMERICAN EXPRESS(INDIA) PRIVATE LIMITED is INR ₹ 27.5 Cr.

What is the registered address of AMERICAN EXPRESS(INDIA) PRIVATE LIMITED?

The registered address of AMERICAN EXPRESS(INDIA) PRIVATE LIMITED is Metropolitan-Saket, 7th Floor, Office Block District Centre Saket New Delhi New Delhi Delhi - 110017

What is the CIN number of AMERICAN EXPRESS(INDIA) PRIVATE LIMITED?

The CIN number of AMERICAN EXPRESS(INDIA) PRIVATE LIMITED is U74899DL1994PTC059865.

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