Star Housing Finance Ltd.

Financial

	Star Housing Finance	Reliance Home Financ	SRG Housing
Operational Metrics
Banking Sector
Net NPA	1.25 %	n/a	n/a
Net Interest Margin	7.86 %	3.8 %	11.06 %
NBFC
Cost To Income Ratio	58.76 %	35.0 %	65.4 %
Cost of Borrowing	11.5 %	9.0 %	11.11 %
Gross NPA	1.74 %	0.9 %	1.98 %
Net NPA	1.25 %	41.03 %	0.61 %
AUM - NBFC	538.06 Crs	11857.0 Crs	707.47 Crs
Tier I Capital	54.31 %	-3992.56 %	39.41 %
Unclassified
Capital to Risks Assets Ratio (CRAR)	54.65 %	-3992.56 %	39.85 %
Yield On Advances	16.96 %	n/a	n/a
Financials
5 yr Average ROE	5.34 %	-878.44 %	17.6 %
5yr average Equity Multiplier	2.56	-48.31	4.03
5yr Average Asset Turnover Ratio	0.13	1.71	0.19
5yr Avg Net Profit Margin	16.03 %	-132.59 %	22.39 %
5yr Avg Net Profit Margin	16.03 %	-132.59 %	22.39 %
5yr CAGR Net Profit	11.99 %	140.45 %	3.22 %
5yr CAGR Sales	31.13 %	36.36 %	11.77 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.1	0.0	2.59
P/E	27.1	9.05	21.57
Shareholdings
Promoter Holding	18.78 %	0.74 %	64.79 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-18.6 %	-48.84 %	-0.17 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	Star Housing Finance	Reliance Home Financ	SRG Housing
Location Wise Break-Up	Location Wise Break-Up Maharashtra 65.0 Madhya Pradesh 11.0 Rajasthan 9.0 Gujarat 5.0 Tamil Nadu 5.0 India 0 Others 5.0	Location Wise Break-Up Rajasthan 0 Maharashtra 0 Madhya Pradesh 0 Gujarat 0 India 100.0 Tamil Nadu 0	Location Wise Break-Up Rajasthan 52.59 Maharashtra 0.31 Madhya Pradesh 9.37 Gujarat 37.73 India 0 Tamil Nadu 0
Distribution Channel	Distribution Channel Business Associates 60.0 Direct 40.0	-	-
Customer Segment	Customer Segment Self-Employed 85.0 Salaried 15.0 Residential Mortgage 0 Small Business Lending 0 Corporate Bodies 0 Self-Employed 0	Customer Segment Small & Medium Enterprises (SME) loans 9.18 Corporate Bodies 78.21 Self-Employed 0 Home loans 12.62 Salaried 0	Customer Segment Small Business Lending 0 Corporate Bodies 0 Self-Employed 74.77 Residential Mortgage 0 Salaried 25.23
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 100.0 0 Commercial Paper 0 Cash Credit 0 Term Loan 0 Cash Credit Facility 0 Debentures 0 Banks 0 National Housing Bank 0	Borrowings Break-Up Loan From Banks 61.76 Debentures 0 Loan From Banks 0 Commercial Papers 10.02 Cash Credit Facility 0 0 National Housing Bank 0 Cash Credit 7.09 Banks 0 Others 21.13	Borrowings Break-Up Term Loan 0 Debentures 0 Loan From Banks 0 Commercial Paper 0 Cash Credit Facility 0 0 National Housing Bank 11.42 Cash Credit 0 Banking 49.41 Others 39.17
Rural vs Urban	Rural vs Urban Rural 82.0 Urban 18.0 Semi Urban 0	-	Rural vs Urban Semi Urban 0 Urban 8.51 Rural 91.49
AUM Break-Up - NBFC	AUM Break-Up - NBFC Housing 100.0	-	-
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0	-	Segment Wise Break-Up Financing 100.0
Loan to Value Split	Loan to Value Split Up to 50% 52.0 50-80% 44.0 >80% 4.0	-	-
Ticket Size	Ticket Size 0 to 25 lakhs 93.0 25 to 50 lakhs 7.0 > 50 lakhs 0	-	-

Star Housing Finance Ltd.

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