Indostar Capital Finance Ltd.

Financial

	Indostar Capital Fin	Tourism Finance Corp	Paisalo Digital
Operational Metrics
Banking Sector
Net Interest Margin	6.2 %	6.02 %	6.5 %
Yield On Advances	13.1 %	13.12 %	n/a
NBFC
Cost To Income Ratio	53.7 %	n/a	n/a
Cost of Borrowing	11.3 %	9.63 %	n/a
AUM - NBFC	7783.0 Crs	1711.67 Crs	5230.2 Crs
Capital to Risks Assets Ratio (CRAR)	33.0 %	62.68 %	39.5 %
Tier I Capital	28.87 %	61.28 %	30.4 %
Gross NPA	4.04 %	0.24 %	0.85 %
Net NPA	1.68 %	0.0	0.68 %
Financials
5 yr Average ROE	-6.44 %	9.39 %	8.6 %
5yr average Equity Multiplier	3.16	2.54	2.93
5yr Average Asset Turnover Ratio	0.13	0.11	0.15
5yr Avg Net Profit Margin	-14.58 %	34.53 %	19.67 %
5yr Avg Net Profit Margin	-14.58 %	34.53 %	19.67 %
5yr CAGR Net Profit	n/a	5.08 %	27.02 %
5yr CAGR Sales	-1.04 %	-1.36 %	11.94 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.02	2.35	1.78
P/E	5.76	26.27	13.3
Shareholdings
Promoter Holding	72.98 %	3.85 %	48.21 %
Share Pledged by Promoters	0.0	0.0	26.18 %
Change in Promoter Holding (3 Yrs)	-16.23 %	-24.58 %	4.05 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.26 %

Business

	Indostar Capital Fin	Tourism Finance Corp	Paisalo Digital
Product Wise Break-Up	Product Wise Break-Up Interest Income 85.46 Fees and Commission Income 6.37 Net gain on fair value changes 2.69 0 0 Net gain/(loss) on fair value changes 0 Fees & commission income 0 Dividend income 0 Interest income 0 Financing activities (NBFC) 0 Others 5.48	Product Wise Break-Up Fee & Commission income 4.12 Net gain on fair value changes 0 0 Dividend income 0 0 Interest Income 84.85 Fees and Commission Income 0 Net gain on fair value changes 7.83 Financing activities (NBFC) 0 Interest Income 0 Others 3.2	Product Wise Break-Up Fees & commission income 0 Net gain on fair value changes 0 0 Dividend income 0 0 Interest income 0 Fees and Commission Income 0 Net gain/(loss) on fair value changes 0 NBFC 100.0 Interest Income 0
Segment Break-Up	Segment Break-Up Financing and investment business 0 Others 100	Segment Break-Up Financing and investment business 100.0	-
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
Customer Segment	Customer Segment Corporate 99.0 Retail 1.0	-	-
Operating Profit Break-Up	Operating Profit Break-Up Others 100	-	-
Borrowings Break-Up	Borrowings Break-Up NCD 47.0 Banking 28.0 Securitisation 17.0 CPs 0 Equity 0 Loans repayable on demand 0 Loans from related parties 0 Term loans 0 Others 8.0	-	Borrowings Break-Up CPs 0 Equity 0 Banking 0 Loan From Banks 62.18 NCD 0 Securitisation 0 Loans from related parties 0 Loans repayable on demand from banks 37.82
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Commercial Vehicle Loans 67.0 Home loans 28.0 Small & Medium Enterprises (SME) loans 3.0 Vehicle Finance 0 Corporate Lending 0 Others 2.0	-	-

Indostar Capital Finance Ltd.

Indostar Capital Finance Ltd.

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