Tourism Finance Corporation Of India Ltd.

Financial

	Tourism Finance Corp	Paisalo Digital	PTC India Fin. Serv
Operational Metrics
Banking Sector
Fresh Slippages - Quarterly	13.01 Crs	n/a	n/a
Net Interest Margin	6.02 %	6.5 %	4.63 %
Yield On Advances	13.12 %	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	62.68 %	39.5 %	64.96 %
Tier I Capital	61.28 %	30.4 %	58.12 %
NBFC
AUM - NBFC	1711.67 Crs	5230.2 Crs	n/a
Cost of Borrowing	9.63 %	n/a	9.67 %
Gross NPA	0.24 %	0.85 %	8.46 %
Net NPA	0.0	0.68 %	4.74 %
Financials
5 yr Average ROE	9.39 %	8.6 %	5.67 %
5yr average Equity Multiplier	2.54	2.93	3.6
5yr Average Asset Turnover Ratio	0.11	0.15	0.1
5yr Avg Net Profit Margin	34.53 %	19.67 %	18.7 %
5yr Avg Net Profit Margin	34.53 %	19.67 %	18.7 %
5yr CAGR Net Profit	5.08 %	27.02 %	53.34 %
5yr CAGR Sales	-1.36 %	11.94 %	-10.66 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.35	1.79	0.89
P/E	26.28	13.34	7.95
Shareholdings
Promoter Holding	3.85 %	48.21 %	64.99 %
Share Pledged by Promoters	0.0	26.18 %	0.0
Change in Promoter Holding (3 Yrs)	-24.58 %	4.05 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.0	0.26 %	2.13 %

Business

	Tourism Finance Corp	Paisalo Digital	PTC India Fin. Serv
Product Wise Break-Up	Product Wise Break-Up Interest Income 84.85 Net gain on fair value changes 7.83 Fee & Commission income 4.12 Dividend income 0 Financing activities (NBFC) 0 Sale of Power 0 Fee and commission income 0 Interest Income 0 Others 3.2	Product Wise Break-Up Dividend income 0 NBFC 100.0 Interest Income 0 Net gain on fair value changes 0 Fee & Commission income 0 Sale of Power 0 Fee and commission income 0	Product Wise Break-Up Dividend income 0 Financing activities (NBFC) 0 Interest Income 94.58 Net gain on fair value changes 0 Fee & Commission income 0 Sale of power 0.39 Fee and commission income 0.75 Others 4.28
Segment Break-Up	Segment Break-Up Financing and investment business 100.0	-	-
Loan Break-Up	Loan Break-Up Hotels 63.0 Social Infrastructure 2.0 State Power Utility 0 Road 0 Transmission 0 Hydro 0 Infra 0 Thermal Projects 0 Renewable 0 Others 35.0	-	Loan Break-Up INFRA 4.0 Thermal Projects 7.0 Hotels 0 Social Infrastructure 0 Hydro 0 Transmission 13.0 Road 7.0 Renewable Energy 20.0 Power 41.0 Others 8.0
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
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-