Indostar Capital Finance Ltd.

Financial

	Indostar Capital Fin	MAS Financial Serv	Paisalo Digital
Operational Metrics
Banking Sector
Net Interest Margin	5.4 %	6.8 %	6.59 %
Yield On Advances	13.1 %	n/a	n/a
NBFC
Cost To Income Ratio	53.7 %	n/a	n/a
Cost of Borrowing	11.3 %	9.84 %	n/a
AUM - NBFC	7877.0 Crs	11677.4 Crs	4748.8 Crs
Capital to Risks Assets Ratio (CRAR)	28.5 %	25.34 %	42.26 %
Tier I Capital	28.87 %	23.13 %	31.81 %
Gross NPA	4.9 %	2.41 %	1.1 %
Net NPA	2.7 %	1.62 %	0.84 %
Financials
5 yr Average ROE	-6.44 %	13.69 %	8.6 %
5yr average Equity Multiplier	3.16	5.11	2.93
5yr Average Asset Turnover Ratio	0.13	0.12	0.15
5yr Avg Net Profit Margin	-14.58 %	22.01 %	19.67 %
5yr Avg Net Profit Margin	-14.58 %	22.01 %	19.67 %
5yr CAGR Net Profit	n/a	8.44 %	27.02 %
5yr CAGR Sales	-1.04 %	12.62 %	11.94 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.28	2.08	2.11
P/E	35.86	16.91	15.75
Shareholdings
Promoter Holding	73.59 %	74.13 %	50.37 %
Share Pledged by Promoters	0.0	0.0	28.43 %
Change in Promoter Holding (3 Yrs)	-15.62 %	0.49 %	6.21 %
Change in Mutual Fund Holding (3 Yrs)	-0.81 %	6.18 %	0.24 %

Business

	Indostar Capital Fin	MAS Financial Serv	Paisalo Digital
Product Wise Break-Up	Product Wise Break-Up Interest Income 83.74 Fees and Commission Income 7.44 Net gain on fair value changes 2.35 0 0 Interest Income 0 Gain On Assignment Of Financial Assets 0 Financing activities (NBFC) 0 Others 6.47	Product Wise Break-Up Gain On Assignment Of Financial Assets 9.06 0 Financing activities (NBFC) 0 Interest Income 85.61 0 Net gain on fair value changes 0 Fees and Commission Income 5.24 Others 0.09	Product Wise Break-Up Gain On Assignment Of Financial Assets 0 0 NBFC 100.0 Interest Income 0 0 Net gain on fair value changes 0 Fees and Commission Income 0
Segment Break-Up	Segment Break-Up Others 100	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Customer Segment	Customer Segment Retail 98.0 Corporate 2.0 Retail Leading 0	Customer Segment Corporate 0 Consumer Finance 100.0 Retail 0	-
Operating Profit Break-Up	Operating Profit Break-Up Others 100	-	-
Borrowings Break-Up	Borrowings Break-Up NCD 45.0 Banking 27.0 Securitisation 19.0 CPs 0 Equity 0 Non-Convertible Debentures 0 Direct Assignment (incl. co-lending) 0 Cash credit/OD 0 0 Term loans 0 Loans repayable on demand 0 Loans from related parties 0 Others 9.0	Borrowings Break-Up 0 Direct Assignment (incl. co-lending) 22.06 Equity 0 Loan From Banks 13.23 Banking 0 Non-Convertible Debentures 11.32 Loan From Banks 50.4 Loans repayable on demand 0 Securitisation 0 CPs 0 NCD 0 Loans from related parties 0 Others 2.99	Borrowings Break-Up 0 Direct Assignment (incl. co-lending) 0 Equity 0 Cash credit/OD 0 Banking 0 Non-Convertible Debentures 0 Loan From Banks 62.18 Loans repayable on demand from banks 37.82 Securitisation 0 CPs 0 NCD 0 Loans from related parties 0
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Commercial Vehicle Loans 69.0 Home loans 26.0 Small & Medium Enterprises (SME) loans 4.0 Vehicle Finance 0 Corporate Lending 0 Others 1.0	-	-

Indostar Capital Finance Ltd.

Indostar Capital Finance Ltd.

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