Paisalo Digital Ltd. benchmarking: Perfomance to industry peers

Financial

	Paisalo Digital	Indostar Capital Fin	Tourism Finance Corp
Operational Metrics
Banks
Net Interest Margin	6.6 %	8.6 %	4.65 %
NBFC
AUM - NBFC	5508.2 Crs	7692.0 Crs	2101.76 Crs
Capital to Risks Assets Ratio (CRAR)	38.3 %	41.4 %	58.13 %
Tier I Capital	30.7 %	28.46 %	56.9 %
Gross NPA	0.83 %	4.06 %	0.38 %
Net NPA	0.66 %	1.76 %	0.0
Financials
5 yr Average ROE	9.8 %	2.83 %	9.39 %
5yr average Equity Multiplier	3.01	3.12	2.54
5yr Average Asset Turnover Ratio	0.15	0.12	0.11
5yr Avg Net Profit Margin	21.97 %	-8.37 %	34.53 %
5yr Avg Net Profit Margin	21.97 %	-8.37 %	34.53 %
5yr CAGR Net Profit	28.12 %	n/a	5.08 %
5yr CAGR Sales	17.38 %	2.74 %	-1.36 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.91	0.8	2.47
P/E	15.06	5.34	24.74
Shareholdings
Promoter Holding	41.75 %	70.39 %	3.85 %
Share Pledged by Promoters	21.73 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-4.17 %	-18.82 %	-14.09 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	Paisalo Digital	Indostar Capital Fin	Tourism Finance Corp
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 Net gain/(loss) on fair value changes 0 Fees & commission income 0 Dividend income 0 Interest income 0	Product Wise Break-Up NBFC 0 0 Fees and Commission Income 7.24 Interest income 0 Net gain on fair value changes 1.8 Fees & commission income 0 Net gain/(loss) on fair value changes 0 0 Interest Income 90.96 Dividend income 0	Product Wise Break-Up NBFC 0 0 Fees and Commission Income 0 Interest Income 84.61 0 Fee & Commission income 9.49 Net gain on fair value changes 5.89 0 Interest on loans - Loan portfolio 0 Dividend income 0 Others 0.01
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 Net gain/(loss) on fair value changes 0 Fees & commission income 0 Dividend income 0 Interest income 0	Product Wise Break-Up NBFC 0 0 Fees and Commission Income 7.24 Interest income 0 Net gain on fair value changes 1.8 Fees & commission income 0 Net gain/(loss) on fair value changes 0 0 Interest Income 90.96 Dividend income 0	Product Wise Break-Up NBFC 0 0 Fees and Commission Income 0 Interest Income 84.61 0 Fee & Commission income 9.49 Net gain on fair value changes 5.89 0 Interest on loans - Loan portfolio 0 Dividend income 0 Others 0.01
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 Loan From Banks 0 Banks 0 Securitisation 11.0 NCD 51.0 Loans from related parties 0 Equity 0 CPs 29.0 Loans repayable on demand from banks 0 Others 9.0	-

Paisalo Digital Ltd.

Paisalo Digital Ltd.

Financial

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