Poonawalla Fincorp Ltd.

Financial

	Poonawalla Fincorp	Mah & Mah Finl. Serv	Cholamandalam Fin.
Operational Metrics
Banking Sector
Net Interest Margin	11.06 %	6.6 %	n/a
NBFC
AUM - NBFC	30984.0 Crs	115126.0 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	25.89 %	17.8 %	n/a
Tier I Capital	0.0	15.1 %	n/a
Gross NPA	1.85 %	3.9 %	n/a
Net NPA	0.81 %	2.0 %	n/a
Real Estate Sector
Cost of Borrowing	8.06 %	n/a	n/a
Financials
5 yr Average ROE	2.45 %	8.3 %	15.47 %
5yr average Equity Multiplier	4.08	5.77	16.37
5yr Average Asset Turnover Ratio	0.13	0.14	0.16
5yr Avg Net Profit Margin	18.15 %	10.81 %	6.22 %
5yr Avg Net Profit Margin	18.15 %	10.81 %	n/a
5yr CAGR Net Profit	128.44 %	12.44 %	n/a
5yr CAGR Sales	7.43 %	5.89 %	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.83	1.7	3.23
P/E	180.39	13.77	17.72
Shareholdings
Promoter Holding	62.53 %	52.16 %	46.45 %
Share Pledged by Promoters	0.0	0.0	0.02 %
Change in Promoter Holding (3 Yrs)	1.03 %	0.0	-2.17 %
Change in Mutual Fund Holding (3 Yrs)	-0.52 %	7.46 %	-4.78 %

Business

	Poonawalla Fincorp	Mah & Mah Finl. Serv	Cholamandalam Fin.
AUM - Collateral Type	AUM - Collateral Type Movable Collateral 45.54 Hard Collateral 35.64 Unsecured 18.81 Others 0.01	-	-
Product Wise Break-Up	Product Wise Break-Up Small & Medium Enterprises (SME) loans 36.0 Pre-owned vehicles 14.0 Auto Lease 0 Affordable Housing 0 MORTGAGE 0 TRACTOR 0 CONSTRUCTION EQUIPMENT 0 COMMERCIAL VEHICLE 0 CAR AND UTILITY VEHICLE 0 Service Income 0 0 Fee & Commission income 0 Premium income (net of re-insurance) 0 0 Dividend Income 0 Interest Income 0 Others 50.0	-	Product Wise Break-Up Auto Lease 0 0 CONSTRUCTION EQUIPMENT 0 MORTGAGE 0 Interest Income 74.81 Affordable Housing 0 Service Income 0.02 Pre-owned vehicles 0 Premium income (net of re-insurance) 17.45 Dividend 0.08 Small & Medium Enterprises (SME) loans 0 Fee & Commission income 5.9 CAR AND UTILITY VEHICLE 0 Net gain on fair value changes 1.74 TRACTOR 0 COMMERCIAL VEHICLE 0
Location Wise Break-Up	Location Wise Break-Up West India 31.0 South India 30.0 North India 26.0 East India 13.0 Central India 0 India 0	Location Wise Break-Up Central India 10.0 West India 18.0 East India 20.0 South India 19.0 North India 33.0 India 0	Location Wise Break-Up Central India 0 West India 0 East India 0 South India 0 North India 0 India 100.0
Location Wise Break-Up	Location Wise Break-Up West India 31.0 South India 30.0 North India 26.0 East India 13.0 Central India 0 India 0	Location Wise Break-Up Central India 10.0 West India 18.0 East India 20.0 South India 19.0 North India 33.0 India 0	Location Wise Break-Up Central India 0 West India 0 East India 0 South India 0 North India 0 India 100.0
Distribution Channel	Distribution Channel Agency & Others 42.0 Corporate Biz 22.0 OEM 15.0 Corporate Agent 10.0 Banca 8.0 e-Sales 3.0 Sales-Health 0	-	-
Customer Segment	Customer Segment S/E Formal 41.0 Salaried 27.0 S/E Formal 27.0 Salaried 5.0	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 54.64 Loan From Banks 35.39 Loans repayable on demand 0 Loans from corporates 0 Term loans 0 Loan repayable on demand - Secured 0 External Commercial Borrowings 0 Foreign Currency Loans 0 Rupee Loans 0 Others 9.97	Borrowings Break-Up Rupee Loans 0 Loan From Banks 99.47 Loans repayable on demand 0 Loan repayable on demand - Secured 0 External Commercial Borrowings 0 Foreign Currency Loans 0 Loan from Body Corporates 0.16 Loan From Banks 0 Others 0.37	Borrowings Break-Up Rupee Loans 91.11 Term loans 0 Loans repayable on demand 0 Loan From Banks 3.57 External Commercial Borrowings 5.32 Foreign Currency Loans 0 Loans from corporates 0 Loan From Banks 0
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Motors 85.15 Health Insurance 8.75 Fire Equipment 5.09 PERSONAL ACCIDENT 0.42 Crop Insurance 0 Commercial Insurance 0 Others 0.59	-	-
AUM Mix- On and Off Book	AUM Mix- On and Off Book On Book 91.0 Off Book 9.0	-	-
Rural vs Urban	Rural vs Urban Semi-urban 42.0 Urban 33.0 Rural 25.0	-	-

Poonawalla Fincorp Ltd.

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