Paisalo Digital Ltd.

Financial

	Paisalo Digital	Reliance Home Financ	Tourism Finance Corp
Operational Metrics
Banking Sector
Net Interest Margin	6.42 %	3.8 %	4.57 %
NBFC
AUM - NBFC	4586.0 Crs	11857.0 Crs	1439.08 Crs
Capital to Risks Assets Ratio (CRAR)	35.92 %	-3992.56 %	59.9 %
Tier I Capital	36.49 %	-3992.56 %	59.2 %
Gross NPA	0.21 %	0.9 %	2.17 %
Net NPA	0.02 %	41.03 %	1.38 %
Financials
5 yr Average ROE	7.61 %	-878.44 %	9.68 %
5yr average Equity Multiplier	2.97	-48.31	2.81
5yr Average Asset Turnover Ratio	0.15	1.71	0.11
5yr Avg Net Profit Margin	17.37 %	-132.59 %	32.93 %
5yr Avg Net Profit Margin	17.37 %	-132.59 %	32.93 %
5yr CAGR Net Profit	10.67 %	140.45 %	1.65 %
5yr CAGR Sales	5.59 %	36.36 %	-3.62 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	4.49	0.0	1.65
P/E	33.32	0.03	16.76
Shareholdings
Promoter Holding	50.37 %	0.74 %	8.04 %
Share Pledged by Promoters	18.54 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	6.59 %	-48.84 %	-19.21 %
Change in Mutual Fund Holding (3 Yrs)	0.14 %	0.0	0.0

Business

	Paisalo Digital	Reliance Home Financ	Tourism Finance Corp
Product Wise Break-Up	Product Wise Break-Up NBFC 100.0 NBFC 0 Fees and Commission Income 0 Interest Income 0 Net gain/(loss) on fair value changes 0 Fees & commission income 0 Dividend income 0 Interest income 0	Product Wise Break-Up Fees and Commission Income 0 Interest Income 100.0 Dividend income 0 Fees & commission income 0 Interest income 0 Net gain/(loss) on fair value changes 0 NBFC 0	Product Wise Break-Up Fees and Commission Income 0 Interest Income 0 Dividend income 0 Fee & Commission income 4.63 Interest Income 78.97 Net gain on fair value changes 11.5 NBFC 0 Others 4.9
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 Loans repayable on demand from banks 64.04 Loan From Banks 35.96 Loans from related parties 0 Commercial Paper 0 Cash Credit 0 Term Loan 0	Borrowings Break-Up Loans from related parties 0 Loan From Banks 61.76 Loans repayable on demand from banks 0 Loan From Banks 0 Commercial Papers 10.02 Cash Credit 7.09 Others 21.13	-