Capital India Finance Ltd.

Financial

	Capital India	Saraswati Commercial	Arman Financial Serv
Operational Metrics
Banking Sector
Gross NPA	0.34 %	n/a	n/a
Unclassified
Average Ticket Size - NBFC	2300.0 Ths	n/a	n/a
Financials
5 yr Average ROE	-0.09 %	6.86 %	18.34 %
5yr average Equity Multiplier	2.33	1.11	5.06
5yr Average Asset Turnover Ratio	0.33	0.14	0.22
5yr Avg Net Profit Margin	1.49 %	13.8 %	17.39 %
Price to Book	2.31	1.78	2.0
P/E	490.07	15.52	19.21
5yr Avg Cash Conversion Cycle	-4639.31 Days	n/a	n/a
Inventory Days	0.79 Days	n/a	n/a
Days Receivable	10.19 Days	n/a	n/a
Days Payable	1848.55 Days	n/a	n/a
5yr Average Interest Coverage Ratio	1.15	n/a	n/a
5yr Avg ROCE	6.57 %	n/a	n/a
5yr Avg Operating Profit Margin	15.55 %	n/a	n/a
5 yr average Debt to Equity	0.97	n/a	n/a
5yr CAGR Net Profit	-7.53 %	n/a	n/a
5yr Average Return on Assets	0.29 %	n/a	n/a
Shareholdings
Promoter Holding	72.95 %	73.99 %	22.06 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.09 %	1.67 %	-5.39 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	1.98 %

Business

	Capital India	Saraswati Commercial	Arman Financial Serv
Loan Break-Up	Loan Break-Up Secured 83.19 Unsecured 16.81	-	-
Product Wise Break-Up	Product Wise Break-Up NBFC 37.11 NBFC 34.95 Sale Of Devices 19.71 NBFC 1.56 NBFC 0 0 Gain on Assignment of Financial Assets 0 0 nbfc 0 Others 6.67	Product Wise Break-Up NBFC 0 nbfc 0 Sale Of Devices 0 Investments, trading in shares and securities & Lending Activities 100.0 0 Gain on Assignment of Financial Assets 0	Product Wise Break-Up NBFC 0 nbfc 0 Sale Of Devices 0 0 NBFC 90.04 NBFC 4.71 Others 5.25
Segment Break-Up	Segment Break-Up Prepaid Payment Instrument 53.48 Lending 42.87 Forex Business 3.65	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 NCR 0 MMR 0 Bihar 0 Rajasthan 0 Maharashtra 0 Madhya Pradesh 0 Uttar Pradesh 0 Gujarat 0	-	Location Wise Break-Up Uttar Pradesh 23.0 Rajasthan 11.0 MMR 0 Gujarat 29.0 Madhya Pradesh 16.0 India 0 NCR 0 Maharashtra 5.0 Bihar 9.0 Others 7.0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 67.09 Auto loans 0.16 Inter corporate deposits 0 Securitization 0 DFIs (NABARD, MUDRA & SIDBI) 0 D A 0 ECB 0 NCD 0 NBFC / FI 0 0 Working Capital Loans From Banks 0 From Banks 0 Others 32.75	-	Borrowings Break-Up ECB 0 Inter corporate deposits 0 NBFC / FI 11.8 DFIs (NABARD, MUDRA & SIDBI) 4.3 0 Loan From Banks 33.9 Auto loans 0 Securitization 0 Loan From Banks 0 D A 29.7 Working Capital Loans From Banks 0 NCD 20.3
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
Profit Before Tax	Profit Before Tax Lending Business 100.0 Forex 0 Prepaid Pending Instrument 0	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Small & Medium Enterprises (SME) loans 85.0 Mid-Corporates 11.0 2-wheeler loans 0 MSME loans 0 Microfinance 0 Others 4.0	-	AUM Break-Up - NBFC 2 Wheeler Loans 3.63 Small & Medium Enterprises (SME) loans 17.98 Mid-Corporates 0 Small & Medium Enterprises (SME) loans 0 Microfinance Services 76.92 Others 1.47

Capital India Finance Ltd.

Capital India Finance Ltd.

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