Bajaj Finance Ltd.

Financial

	Bajaj Finance	Bajaj Finserv	JIO Financial Serv.
Operational Metrics
Banking Sector
Net Interest Margin	9.7 %	n/a	n/a
NBFC
Cost To Income Ratio	33.1 %	n/a	n/a
Cost of Borrowing	7.99 %	n/a	n/a
AUM - NBFC	416661.0 Crs	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	21.9 %	n/a	191.09 %
Tier I Capital	21.1 %	n/a	191.08 %
Gross NPA	0.96 %	n/a	n/a
Net NPA	0.44 %	n/a	n/a
Financials
5 yr Average ROE	16.87 %	12.38 %	0.44 %
5yr average Equity Multiplier	4.89	8.34	1.09
5yr Average Asset Turnover Ratio	0.15	0.21	0.41
5yr Avg Net Profit Margin	22.56 %	7.08 %	30.08 %
5yr Avg Net Profit Margin	22.56 %	n/a	30.08 %
5yr CAGR Net Profit	22.38 %	n/a	121.7 %
5yr CAGR Sales	15.82 %	n/a	34.47 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	5.56	4.31	1.34
P/E	32.31	35.14	102.57
Shareholdings
Promoter Holding	54.73 %	60.64 %	47.12 %
Share Pledged by Promoters	0.0	0.01 %	0.0
Change in Promoter Holding (3 Yrs)	-1.13 %	-0.13 %	0.35 %
Change in Mutual Fund Holding (3 Yrs)	0.92 %	1.46 %	1.87 %

Business

	Bajaj Finance	Bajaj Finserv	JIO Financial Serv.
Product Wise Break-Up	Product Wise Break-Up Interest income 88.63 Fee & commission 8.24 Fee and Commission 0 Dividend income 0 Others 3.13	Product Wise Break-Up Fee & commission 0 Dividend income 0 Fee and Commission 0 Interest income 0 Others 100	Product Wise Break-Up Fee & commission 0 Dividend income 0 Fee and Commission 7.99 Interest income 55.9 Others 36.11
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 77.13 Collateralized borrowing and lending obligation 14.12 External Commercial Borrowings 5.39 Loan From Banks 2.74 Cash Credit 0.61 Overdraft facility 0 Others 0.01	-	-
NPA Break-Up	NPA Break-Up Others 100	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Mortage 30.65 Consumer Finance 20.89 Small & Medium Enterprises (SME) loans 11.79 Commercial Lending Business 6.55 Loans against securities 6.35 Rural 5.06 Consumer Finance 5.06 Rural 2.0 Consumer B2B-auto finance business 0 Loans Against Securities 0 Commercial Lending Business 0 Rural B2C Businesses 0 Rural B2B-Sales Finance Businesses 0 SME Business 0 Consumer B2C Businesses 0 Consumer B2B-Sales Finance 0 Consumer B2B-Auto Finance Business 0 Others 11.65	AUM Break-Up - NBFC Loans against securities 0 Commercial Lending Business 5.82 Mortage 0 Consumer Finance 19.64 Rural 0 Consumer Finance 0 Consumer Finance 7.59 Small & Medium Enterprises (SME) loans 0 Rural 7.75 Consumer Finance 5.16 Rural 2.09 Consumer B2B-auto finance business 0 Loans against securities 5.34 SME 12.65 Others 33.96	-
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0	-	-

Bajaj Finance Ltd.

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