Paisalo Digital Ltd.

Financial

	Paisalo Digital	Indostar Capital Fin	MAS Financial Serv
Operational Metrics
Banking Sector
Net Interest Margin	6.59 %	5.4 %	6.8 %
NBFC
AUM - NBFC	4748.8 Crs	7877.0 Crs	11677.4 Crs
Capital to Risks Assets Ratio (CRAR)	42.26 %	28.5 %	25.34 %
Tier I Capital	31.81 %	28.87 %	23.13 %
Gross NPA	1.1 %	4.9 %	2.41 %
Net NPA	0.84 %	2.7 %	1.62 %
Financials
5 yr Average ROE	8.6 %	-6.44 %	13.69 %
5yr average Equity Multiplier	2.93	3.16	5.11
5yr Average Asset Turnover Ratio	0.15	0.13	0.12
5yr Avg Net Profit Margin	19.67 %	-14.58 %	22.01 %
5yr Avg Net Profit Margin	19.67 %	-14.58 %	22.01 %
5yr CAGR Net Profit	27.02 %	n/a	8.44 %
5yr CAGR Sales	11.94 %	-1.04 %	12.62 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.3	0.93	1.8
P/E	17.16	25.96	14.67
Shareholdings
Promoter Holding	52.61 %	73.59 %	66.63 %
Share Pledged by Promoters	21.58 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	11.59 %	-15.62 %	-6.99 %
Change in Mutual Fund Holding (3 Yrs)	0.23 %	-0.81 %	4.25 %

Business

	Paisalo Digital	Indostar Capital Fin	MAS Financial Serv
Product Wise Break-Up	Product Wise Break-Up NBFC 100.0 Fees and Commission Income 0 0 0 0 Interest on loans - Loan portfolio 0 Interest Income 0 Gain On Assignment Of Financial Assets 0	Product Wise Break-Up Gain On Assignment Of Financial Assets 0 Net gain on fair value changes 2.35 Interest Income 83.74 0 NBFC 0 Interest Income 0 0 Fees and Commission Income 7.44 Others 6.47	Product Wise Break-Up Gain On Assignment Of Financial Assets 9.06 0 Interest on loans - Loan portfolio 0 0 NBFC 0 Interest Income 85.61 0 Fees and Commission Income 5.24 Others 0.09
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
Distribution Channel	Distribution Channel Small & Medium Enterprises (SME) loans 74.19 PAISALO App (IGL-DIGITAL-E-SIGN) 13.4 PAISALO JLG (KYC+ESIGN) 12.41	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 62.18 Loans repayable on demand from banks 37.82 Loans from related parties 0 Securitisation 0 CPs 0 Banks 0 NCD 0 Equity 0 Non-Convertible Debentures 0 Direct Assignment (incl. co-lending) 0 Cash credit/OD 0 0	Borrowings Break-Up NCD 45.0 Equity 0 Loans repayable on demand from banks 0 Non-Convertible Debentures 0 Loans from related parties 0 Loan From Banks 0 0 Direct Assignment (incl. co-lending) 0 Cash credit/OD 0 CPs 0 Securitisation 19.0 Banking 27.0 Others 9.0	Borrowings Break-Up NCD 0 Equity 0 Loans repayable on demand from banks 0 Non-Convertible Debentures 11.32 Loans from related parties 0 Loan From Banks 0 0 Direct Assignment (incl. co-lending) 22.06 Loan From Banks 13.23 CPs 0 Securitisation 0 Banks 0 Others 53.39

Paisalo Digital Ltd.

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