Manba Finance Ltd.

Financial

	Manba Finance	SIL Investments	CSL Finance
Operational Metrics
Banking Sector
Gross NPA	2.83 %	n/a	n/a
Net NPA	2.21 %	n/a	n/a
NBFC
Tier I Capital	25.17 %	151.32 %	n/a
AUM - NBFC	1303.8 Crs	n/a	1100.0 Crs
Capital to Risks Assets Ratio (CRAR)	25.17 %	n/a	51.0 %
Yield On Advances	23.9 %	n/a	n/a
Financials
5 yr Average ROE	12.47 %	2.14 %	11.32 %
5yr average Equity Multiplier	4.62	1.08	1.72
5yr Average Asset Turnover Ratio	0.19	0.03	0.16
5yr Avg Net Profit Margin	14.54 %	70.26 %	40.71 %
5yr Avg Net Profit Margin	14.54 %	70.26 %	40.71 %
5yr CAGR Net Profit	37.77 %	-3.53 %	23.04 %
5yr CAGR Sales	32.47 %	3.55 %	22.27 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.93	0.24	1.54
P/E	21.75	20.31	10.89
Shareholdings
Promoter Holding	74.98 %	63.79 %	47.56 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	-3.77 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	Manba Finance	SIL Investments	CSL Finance
Product Wise Break-Up	Product Wise Break-Up Two Wheeler 89.57 Personal Loan 0.71 Three Wheeler 0.61 Used Two Wheeler 0.38 Small Business Loan 0.19 Used Car Loan 0.02 Gain on Redemption of Mutual Fund 0 0 Dividend on Non-Current Investments 0 0 Fees & Commission Income 0 Loans written off earlier now recovered 0 Processing Fees Wholesale 0 Processing Fees SME 0 Processing Fees Retail 0 Interest 0 Others 8.52	Product Wise Break-Up Processing Fees Retail 0 Two Wheeler 0 Three Wheeler 0 Used Two Wheeler 0 0 Fees & Commission Income 0 Processing Fees Wholesale 0 Processing Fees SME 0 Interest 0 Used Car Loan 0 Dividend 80.88 Small Business Loan 0 Loans written off earlier now recovered 0 Gain on Redemption of Mutual Fund 0 Interest Income 17.22 Personal Loan 0 Others 1.9	Product Wise Break-Up Processing Fees Retail 0 Two Wheeler 0 Three Wheeler 0 Used Two Wheeler 0 0 Fee Income 3.97 Processing Fees Wholesale 0 Processing Fees SME 0 Interest Income 94.27 Used Car Loan 0 Dividend on Non-Current Investments 0 Small Business Loan 0 Loans written off earlier now recovered 1.76 Gain on Redemption of Mutual Fund 0 0 Personal Loan 0
Location Wise Break-Up	Location Wise Break-Up Maharashtra 69.4 Gujarat 24.03 Rajasthan 3.58 Chhattisgarh 2.84 Madhya Pradesh 0.15 India 0	Location Wise Break-Up Chhattisgarh 0 Madhya Pradesh 0 India 100.0 Gujarat 0 Maharashtra 0 Rajasthan 0	Location Wise Break-Up Chhattisgarh 0 Madhya Pradesh 0 India 100.0 Gujarat 0 Maharashtra 0 Rajasthan 0
Borrowings Break-Up	Borrowings Break-Up NBFCs and Financial Institutions 33.19 Non-Convertible Debentures 21.57 Banks 21.43 PTC 17.25 Working Capital Demand Loan 5.76 Commercial Papers 0 Term Loan from Bank 0 Loans repayable on demand 0 Others 0.8	-	Borrowings Break-Up Working Capital Demand Loan 0 Loan From Banks 59.51 Commercial Papers 0 Non-Convertible Debentures 0 PTC 0 NBFCs and Financial Institutions 0 Banks 0 Loans repayable on demand from banks 2.82 Others 37.67
AUM Break-Up	AUM Break-Up New Vehicle Loans 97.9 Personal Loans 0.78 Small Business Loan 0.75 Used Vehicle Loans 0.3 Others 0.27	-	-
NPA Break-Up	NPA Break-Up Two wheeler 87.21 Top-up loans 11.06 Used Two Wheeler 1.64 Three Wheeler 0.09 Small business loan 0 Personal Loans 0 Used Car 0	-	-

Manba Finance Ltd.

SIGN UP FOR FREE