CSL Finance Ltd.

Financial

	CSL Finance	Moneyboxx Finance	Kiran Vyapar
Operational Metrics
Banking Sector
Net Interest Margin	14.0 %	16.6 %	n/a
Capital to Risks Assets Ratio (CRAR)	51.0 %	35.8 %	n/a
NBFC
AUM - NBFC	1100.0 Crs	837.0 Crs	n/a
Gross NPA	0.38 %	n/a	n/a
Net NPA	0.23 %	n/a	0.01 %
Financials
5 yr Average ROE	11.32 %	-7.94 %	4.2 %
5yr average Equity Multiplier	1.72	3.35	1.13
5yr Average Asset Turnover Ratio	0.16	0.15	0.07
5yr Avg Net Profit Margin	40.71 %	-28.9 %	49.33 %
5yr Avg Net Profit Margin	40.71 %	-28.9 %	49.33 %
5yr CAGR Net Profit	23.04 %	n/a	n/a
5yr CAGR Sales	22.27 %	98.81 %	2.91 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.42	2.78	0.3
P/E	10.02	68.94	7.67
Shareholdings
Promoter Holding	47.56 %	44.66 %	74.96 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.77 %	-19.2 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	CSL Finance	Moneyboxx Finance	Kiran Vyapar
Product Wise Break-Up	Product Wise Break-Up Interest Income 94.27 Fee Income 3.97 Loans written off earlier now recovered 1.76 Processing Fees Wholesale 0 Processing Fees SME 0 Processing Fees Retail 0 Fee and commission 0 Interest Income 0 Generation based incentives 0 Sale of power 0 Sale of services 0 Sale of goods 0 Net gain on fair value changes 0 Dividend income 0 Interest income 0	Product Wise Break-Up Fee Income 0 Interest income 0 Loans written off earlier now recovered 0 Generation based incentives 0 Sale of goods 0 Fee and commission 7.69 Sale of services 0 Net gain on fair value changes 0 Processing Fees SME 0 Processing Fees Wholesale 0 Processing Fees Retail 0 Dividend income 0 Sale of power 0 Interest Income 82.03 Others 10.28	Product Wise Break-Up Fee Income 0 Interest Income 39.18 Loans written off earlier now recovered 0 Generation based incentives 0 Sale of goods 0 Fee and commission 0 Sale of services 0 Net gain on fair value changes 20.11 Processing Fees SME 0 Processing Fees Wholesale 0 Processing Fees Retail 0 Dividend 1.28 Sale of power 0 Interest Income 0 Others 39.43
Loan Break-Up	Loan Break-Up Wholesales Book 63.0 Small & Medium Enterprises (SME) loans 37.0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Uttar Pradesh 0 Chattisgarh 0 Punjab 0 Madhya Pradesh 0 Rajasthan 0 Haryana 0	Location Wise Break-Up Rajasthan 19.6 Madhya Pradesh 31.3 Haryana 13.0 India 0 Uttar Pradesh 15.5 Chattisgarh 3.2 Punjab 10.6 Others 6.8	Location Wise Break-Up Rajasthan 0 Madhya Pradesh 0 Haryana 0 India 100.0 Uttar Pradesh 0 Chattisgarh 0 Punjab 0
Retail Loan Break-Up - NBFC	Retail Loan Break-Up - NBFC Rajastan 30.69 Gujarat 26.73 Haryana 11.88 Punjab 11.88 Uttar Pradesh 9.9 Uttarakhand 6.93 Delhi 1.98 Others 0.01	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 59.51 Loans repayable on demand from banks 2.82 Others 37.67	-	-

CSL Finance Ltd.

SIGN UP FOR FREE