Paisalo Digital Ltd.

Financial

	Paisalo Digital	Tourism Finance Corp	Indostar Capital Fin
Operational Metrics
Banking Sector
Net Interest Margin	6.5 %	6.02 %	6.2 %
NBFC
AUM - NBFC	5230.2 Crs	1711.67 Crs	7783.0 Crs
Capital to Risks Assets Ratio (CRAR)	39.5 %	62.68 %	33.0 %
Tier I Capital	30.4 %	61.28 %	28.46 %
Gross NPA	0.85 %	0.24 %	4.04 %
Net NPA	0.68 %	0.0	1.68 %
Financials
5 yr Average ROE	9.8 %	9.39 %	-3.36 %
5yr average Equity Multiplier	3.01	2.54	3.12
5yr Average Asset Turnover Ratio	0.15	0.11	0.12
5yr Avg Net Profit Margin	21.97 %	34.53 %	-8.37 %
5yr Avg Net Profit Margin	21.97 %	34.53 %	-8.37 %
5yr CAGR Net Profit	28.12 %	5.08 %	n/a
5yr CAGR Sales	17.38 %	-1.36 %	2.74 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.23	2.81	0.95
P/E	16.61	31.42	5.4
Shareholdings
Promoter Holding	48.21 %	3.85 %	72.98 %
Share Pledged by Promoters	26.18 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	4.05 %	-24.58 %	-16.23 %
Change in Mutual Fund Holding (3 Yrs)	0.26 %	0.0	0.0

Business

	Paisalo Digital	Tourism Finance Corp	Indostar Capital Fin
Product Wise Break-Up	Product Wise Break-Up NBFC 100.0 Net gain/(loss) on fair value changes 0 Fees & commission income 0 Dividend income 0 Interest income 0 Fees and Commission Income 0 0 0 0 Interest on loans - Loan portfolio 0	Product Wise Break-Up NBFC 0 Fee & Commission income 4.12 0 Interest Income 84.85 Fees and Commission Income 0 0 Interest on loans - Loan portfolio 0 Dividend income 0 Net gain on fair value changes 7.83 0 Others 3.2	Product Wise Break-Up NBFC 0 Fees & commission income 0 0 Interest income 0 Fees and Commission Income 5.75 Net gain on fair value changes 2.67 Interest Income 91.58 Dividend income 0 Net gain/(loss) on fair value changes 0 0
Product Wise Break-Up	Product Wise Break-Up NBFC 100.0 Net gain/(loss) on fair value changes 0 Fees & commission income 0 Dividend income 0 Interest income 0 Fees and Commission Income 0 0 0 0 Interest on loans - Loan portfolio 0	Product Wise Break-Up NBFC 0 Fee & Commission income 4.12 0 Interest Income 84.85 Fees and Commission Income 0 0 Interest on loans - Loan portfolio 0 Dividend income 0 Net gain on fair value changes 7.83 0 Others 3.2	Product Wise Break-Up NBFC 0 Fees & commission income 0 0 Interest income 0 Fees and Commission Income 5.75 Net gain on fair value changes 2.67 Interest Income 91.58 Dividend income 0 Net gain/(loss) on fair value changes 0 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
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 81.68 Loans repayable on demand from banks 18.32 Loans from related parties 0 Securitisation 0 CPs 0 Banks 0 NCD 0 Equity 0	-	Borrowings Break-Up Securitisation 14.0 CPs 11.0 Loans from related parties 0 NCD 47.0 Equity 0 Loan From Banks 0 Banking 25.0 Loans repayable on demand from banks 0 Others 3.0

Paisalo Digital Ltd.

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