PTC India Financial Services Ltd.

Financial

	PTC India Fin. Serv	Equitas Holdings	Mufin Green Finance
Operational Metrics
Banking Sector
Net Interest Margin	4.92 %	8.54 %	n/a
Capital to Risks Assets Ratio (CRAR)	44.45 %	20.93 %	n/a
Tier I Capital	32.41 %	20.16 %	n/a
NBFC
Cost To Income Ratio	10.25 %	58.15 %	n/a
Cost of Borrowing	8.89 %	6.78 %	n/a
Gross NPA	8.46 %	4.06 %	n/a
Net NPA	4.74 %	2.37 %	n/a
Financials
5 yr Average ROE	5.65 %	7.01 %	6.57 %
5yr average Equity Multiplier	5.17	7.21	1.35
5yr Average Asset Turnover Ratio	0.1	0.14	0.11
5yr Avg Net Profit Margin	12.0 %	6.44 %	-19.72 %
5yr Avg Net Profit Margin	12.0 %	6.44 %	n/a
5yr CAGR Net Profit	-0.92 %	61.95 %	n/a
5yr CAGR Sales	-9.82 %	17.71 %	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.04	1.17	13.83
P/E	14.03	16.37	152.0
Shareholdings
Promoter Holding	64.99 %	0.0	54.77 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	-12.98 %
Change in Mutual Fund Holding (3 Yrs)	-0.27 %	-2.23 %	0.0

Business

	PTC India Fin. Serv	Equitas Holdings	Mufin Green Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 9.81 Fee and commission income 1.73 Sale of power 0.36 Profit on sale of investment 0 Rental income 0 Net gain on fair value changes 0 Revenue from contract with customers 0 Financing and Investing activities 0 Others 88.1	Product Wise Break-Up Interest Income 93.88 Sale of power 0 Financing and Investing activities 0 Net gain on fair value changes 0.85 Profit on sale of investment 0 Rental income 0 Revenue from contract with customers 5.28 Fee and commission income 0	Product Wise Break-Up Interest Income 0 Sale of power 0 Financing and Investing activities 100.0 Net gain on fair value changes 0 Profit on sale of investment 0 Rental income 0 Revenue from contract with customers 0 Fee and commission income 0
Loan Break-Up	Loan Break-Up Renewable Energy 29.0 Power 27.0 Transmission 18.0 Road 8.0 Thermal Projects 6.0 INFRA 3.0 Hydro 0 Financial Services 0 MSE & Financial Intermediaries 0 Business loan -Unsecured 0 Micro finance loan 0 Housing loan 0 Vehicle Finance loan 0 Micro and small enterprises loan 0 Others 9.0	Loan Break-Up MSE & Financial Intermediaries 8.92 INFRA 0 Renewable Energy 0 Thermal Projects 0 Transmission 0 Home loans 7.09 Auto loans 24.56 Small & Medium Enterprises (SME) loans 38.91 Power 0 Financial Services 0 Corporate Banking 0.03 Small & Medium Enterprises (SME) loans 18.94 Hydro 0 Road 0 Others 1.55	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 Domestic 0	Location Wise Break-Up Domestic 0 Rest of the World 0 India 100.0	Location Wise Break-Up India 100.0 Rest of the World 0 India 0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 98.41 ECB 1.12 Commercial Papers 0 Bonds/Debentures 0 From Banks 0 Others 0.47	Borrowings Break-Up Commercial Papers 0 Loan From Banks 0 Loan From Banks 25.85 Bonds/Debentures 0 ECB 0 Others 74.15	-
NPA Break-Up	NPA Break-Up Thermal and Hydro 82.0 Hydro 11.0 Others 6.0 Renewable Energy 1.0	-	-

PTC India Financial Services Ltd.

PTC India Financial Services Ltd.

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