Bajaj Housing Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	Bajaj Housing Financ	Piramal Finance	Housing & Urban Dev.
Operational Metrics
Banks
Net NPA	0.11 %	n/a	n/a
Gross NPA	0.27 %	n/a	n/a
Net Interest Margin	4.0 %	13.7 %	2.88 %
Building Materials
Cost of Borrowing	7.3 %	8.79 %	7.13 %
NBFC
Capital to Risks Assets Ratio (CRAR)	23.15 %	-1.83 %	38.28 %
AUM - NBFC	133412.0 Crs	119992.0 Crs	n/a
Tier I Capital	22.69 %	-5.95 %	46.55 %
Yield On Advances	9.1 %	n/a	n/a
Financials
5 yr Average ROE	-10.03 %	2.39 %	12.53 %
5yr average Equity Multiplier	2.28	2.78	5.89
5yr Average Asset Turnover Ratio	0.02	0.11	0.09
5yr Avg Net Profit Margin	-440.3 %	-60.85 %	24.82 %
5yr Avg Net Profit Margin	-440.3 %	-60.85 %	24.82 %
5yr CAGR Net Profit	n/a	-78.67 %	11.41 %
5yr CAGR Sales	n/a	2.89 %	7.59 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.46	1.45	2.17
P/E	29.61	0.0	14.07
Shareholdings
Promoter Holding	86.7 %	46.16 %	75.0 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-2.05 %	6.95 %	-6.81 %
Change in Mutual Fund Holding (3 Yrs)	-0.73 %	8.5 %	1.82 %

	Bajaj Housing Financ	Piramal Finance	Housing & Urban Dev.
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 Non-Convertible Debenture 47.6 Bank Borrowings 39.4 National Housing Bank Refinance 8.8 Commercial Paper 4.2 Deposits/ICD 0	-	-
AUM Break-Up	AUM Break-Up Home loans 54.5 Lease rental discounting 21.9 Developer financing 11.6 Loans against property 10.7 Others 1.3	-	-
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0	-	-