Poonawalla Fincorp Ltd.

Financial

	Poonawalla Fincorp	New India Assurance	General Ins. Corp
Operational Metrics
Banking Sector
Net Interest Margin	11.06 %	n/a	n/a
NBFC
AUM - NBFC	25003.0 Crs	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	33.8 %	n/a	n/a
Tier I Capital	0.0	n/a	n/a
Gross NPA	1.16 %	n/a	n/a
Net NPA	0.59 %	n/a	n/a
Real Estate Sector
Cost of Borrowing	8.17 %	n/a	n/a
Financials
5 yr Average ROE	0.55 %	0.0	0.0
5yr average Equity Multiplier	4.71	n/a	n/a
5yr Average Asset Turnover Ratio	0.13	n/a	n/a
5yr Avg Net Profit Margin	9.8 %	n/a	n/a
5yr Avg Net Profit Margin	9.8 %	n/a	n/a
5yr CAGR Net Profit	17.61 %	n/a	n/a
5yr CAGR Sales	-0.85 %	n/a	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	4.66	n/a	n/a
P/E	22.63	42.3	8.76
Shareholdings
Promoter Holding	62.13 %	85.44 %	85.78 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	37.74 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	-3.37 %	-0.21 %	-0.21 %

Business

	Poonawalla Fincorp	New India Assurance	General Ins. Corp
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 37.0 Pre-owned vehicles 15.0 Auto Lease 3.0 Affordable Housing 0 MORTGAGE 0 TRACTOR 0 CONSTRUCTION EQUIPMENT 0 COMMERCIAL VEHICLE 0 CAR AND UTILITY VEHICLE 0 Personal Accident 0 Engineering 0 Fire 0 Motor 0 Liability 0 Aviation 0 Crop 0 Marine 0 Health 0 LIFE INSURANCE 0 MARINE 0 FL/Credit 0 Oth. Misc. 0 Agriculture 0 PERSONAL ACCIDENT 0 WORKMEN`S COMPENSATION 0 ENGINEERING 0 AVIATION 0 MOTOR 0 FIRE INSURANCE 0 Others 45.0	Product Wise Break-Up Crop 3.27 AVIATION 0 MOTOR 0 FIRE INSURANCE 0 ENGINEERING 0 LIFE INSURANCE 0 Small & Medium Enterprises (SME) loans 0 FL/Credit 0 COMMERCIAL VEHICLE 0 Health 48.38 Engineering 1.13 MORTGAGE 0 Liability 0 Affordable Housing 0 Aviation 0.63 WORKMEN`S COMPENSATION 0 Motors 33.44 Pre-owned vehicles 0 Agriculture 0 Oth. Misc. 0 CAR AND UTILITY VEHICLE 0 CONSTRUCTION EQUIPMENT 0 PERSONAL ACCIDENT 0 MARINE 0 Fire Equipment 8.45 PERSONAL ACCIDENT 0.97 TRACTOR 0 Auto Lease 0 MARINE 1.38 Others 2.35	Product Wise Break-Up Crop 0 Aviation 2.8 Motors 18.92 FIRE INSURANCE 38.85 Engineering 4.65 Life Insurance Business 4.73 Small & Medium Enterprises (SME) loans 0 FL/Credit 1.05 COMMERCIAL VEHICLE 0 Health 15.82 Engineering 0 MORTGAGE 0 Liability 0.12 Affordable Housing 0 Aviation 0 WORKMEN`S COMPENSATION 0 Motor 0 Pre-owned vehicles 0 Agricultural 3.02 Oth. Misc. 3.28 CAR AND UTILITY VEHICLE 0 CONSTRUCTION EQUIPMENT 0 PERSONAL ACCIDENT 1.72 MARINE 3.38 Fire 0 Personal Accident 0 TRACTOR 0 Auto Lease 0 Marine 0 Others 1.66
Location Wise Break-Up	Location Wise Break-Up West India 31.0 South India 30.0 North India 26.0 East India 13.0 India 0 Rest of the World 0	Location Wise Break-Up East India 0 South India 0 West India 0 India 100.0 Rest of the World 0 North India 0	Location Wise Break-Up East India 0 South India 0 West India 0 India 100.0 Rest of the World 0 North India 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 India 0 Rest of the World 0	Location Wise Break-Up East India 0 South India 0 West India 0 India 100.0 Rest of the World 0 North India 0	Location Wise Break-Up East India 0 South India 0 West India 0 India 100.0 Rest of the World 0 North India 0
Customer Segment	Customer Segment S/E Formal 41.0 Salaried 27.0 S/E Formal 27.0 Salaried 5.0	-	-
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 Broker 0 Bancassurance 0 Dealer 0 Agency 0 Direct 0	Distribution Channel Direct 32.0 Agency & Others 0 Broking 33.0 Bancassurance 1.0 e-Sales 0 Dealer 9.0 Corporate Biz 0 Agency 25.0 Sales-Health 0 OEM 0 Banca 0 Corporate Agent 0	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 54.64 Loan From Banks 35.39 Others 9.97	-	-
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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