Bajaj Housing Finance Ltd. benchmarking: Performance to industry peers

Financial

	Bajaj Housing Fin.	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	3.8 %	13.7 %	2.91 %
Building Materials
Cost of Borrowing	7.3 %	8.79 %	7.17 %
NBFC
Capital to Risks Assets Ratio (CRAR)	22.46 %	-1.83 %	39.93 %
AUM - NBFC	140706.0 Crs	119992.0 Crs	n/a
Tier I Capital	22.01 %	-5.95 %	46.55 %
Yield On Advances	8.9 %	n/a	n/a
Financials
5 yr Average ROE	0.76 %	1.91 %	12.53 %
5yr average Equity Multiplier	2.28	3.88	5.89
5yr Average Asset Turnover Ratio	0.02	0.1	0.09
5yr Avg Net Profit Margin	-440.3 %	-23.03 %	24.82 %
5yr Avg Net Profit Margin	-440.3 %	-23.03 %	24.82 %
5yr CAGR Net Profit	n/a	22.73 %	11.41 %
5yr CAGR Sales	n/a	17.51 %	7.59 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.26	1.74	1.89
P/E	28.65	32.64	10.27
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)	-1.01 %	10.43 %	1.33 %

	Bajaj Housing Fin.	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 43.8 Bank Borrowings 40.8 National Housing Bank Refinance 10.0 Commercial Paper 5.3 Deposits/ICD 0 Others 0.1	-	-
AUM Break-Up	AUM Break-Up Home loans 54.1 Lease rental discounting 22.4 Developer financing 11.5 Loans against property 10.8 Others 1.2	-	-
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0	-	-