TruCap Finance Ltd.

Financial

	TruCap Finance	Assam Entrade	Pro Fin Capital Serv
Operational Metrics
Banking Sector
Net Interest Margin	7.7 %	n/a	n/a
NBFC
Tier I Capital	34.38 %	n/a	7.61 %
Cost To Income Ratio	52.5 %	n/a	n/a
Cost of Borrowing	13.0 %	n/a	n/a
AUM - NBFC	1153.1 Crs	n/a	n/a
Gross NPA	2.8 %	n/a	n/a
Net NPA	0.9 %	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	26.0 %	n/a	7.61 %
Software Services
Active Clients	92540.0 .	n/a	n/a
Unclassified
Average Ticket Size - NBFC	80.0 Ths	n/a	n/a
Financials
5 yr Average ROE	4.42 %	2.72 %	-2.21 %
5yr average Equity Multiplier	2.76	1.07	7.56
5yr Average Asset Turnover Ratio	0.21	0.1	0.2
5yr Avg Net Profit Margin	7.64 %	26.28 %	-4.07 %
Price to Book	0.37	1.39	3.86
P/E	9.46	48.34	69.29
5yr Avg Cash Conversion Cycle	127.8 Days	143.9 Days	n/a
Inventory Days	0.0	142.55 Days	n/a
Days Receivable	127.8 Days	0.0	n/a
Days Payable	8.69 Days	19.76 Days	n/a
5yr Average Interest Coverage Ratio	1.89	201.63	n/a
5yr Avg ROCE	18.67 %	3.51 %	n/a
5yr Avg Operating Profit Margin	41.73 %	15.65 %	n/a
5 yr average Debt to Equity	1.65	0.01	n/a
5yr CAGR Net Profit	21.97 %	-2.62 %	n/a
5yr Average Return on Assets	2.19 %	2.54 %	n/a
Shareholdings
Promoter Holding	37.21 %	53.18 %	4.58 %
Share Pledged by Promoters	0.0	0.0	41.66 %
Change in Promoter Holding (3 Yrs)	-23.14 %	0.0	-24.54 %
Change in Mutual Fund Holding (3 Yrs)	-0.1 %	0.0	0.0

Business

	TruCap Finance	Assam Entrade	Pro Fin Capital Serv
Product Wise Break-Up	Product Wise Break-Up Interest Income 94.94 Fee & Commission income 4.94 Net gain on fair value changes 0.12 Sale of products 0 Fees and Commission Income 0 Dividend Income 0 Interest Received 0 Sales of Exempt items 0 Sale of services 0 Trading of Shares 0	Product Wise Break-Up Trading of Shares 0 Fees and Commission Income 0 NBFC 35.52 Dividend Income 0 Sale of services 0 Sales of Exempt items 0 Net gain on fair value changes 0 Interest Received 0 Sale of products 62.23 Fee & Commission income 0 Others 2.25	Product Wise Break-Up Trading of Shares 0 Fees and Commission Income 0 Interest Income 0 Dividend Income 0 Sale of services 0 Sales of Exempt items 0 Net gain on fair value changes 0 Interest Income 100.0 Sale of products 0 Fee & Commission income 0
Segment Break-Up	Segment Break-Up Fund Based activities 99.04 Advisory 0.96 Township Project 0 Interest on Loans 0 Trading in Shares & Securities 0	Segment Break-Up Trading in Shares & Securities 48.77 Advisory 0 Fund Based activities 0 Interest on Loans 48.67 Township Project 0 Others 2.56	-
Location Wise Break-Up	Location Wise Break-Up Domestic 100.0 India 0	-	Location Wise Break-Up Domestic 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Fund Based activities 86.28 Advisory 13.72 Township Project 0 Interest on Loans 0 Trading in Shares & Securities 0	Operating Profit Break-Up Trading in Shares & Securities 0 Advisory 0 Fund Based activities 0 Interest on Loans 94.02 Township Project 0 Others 5.98	-
Verticals	Verticals Manufacturing 17.0 Consumer 15.0 Education 15.0 Salaried 12.0 Healthcare 8.0 Construction 7.0 Others 26.0	-	-
AUM Break-Up	AUM Break-Up Gold Loan 60.87 MSME Loan 33.08 Loan Against Property 0 Co-Lending 0 Personal Loan 0 Others 6.05	-	-
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-
Asset Break-Up	Asset Break-Up Others 100	-	-

TruCap Finance Ltd.

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