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|  CreditAccess Grameen |  Spandana Sphoorty |  Fusion Finance | |
|---|---|---|---|
|  
            
                
                
                
                    
                
                 
            
            Operational Metrics
         | |||
|  
            
                
                
                
                    
                
                 
            
            Banks
         | |||
|  
            
            Net Interest Margin
         | 13.3 % | 8.2 % | 10.3 % | 
|  
            
                
                
                
                    
                
                 
            
            NBFC
         | |||
|  
            
            Cost To Income Ratio
         | 32.5 % | 139.1 % | 70.8 % | 
|  
            
            Cost of Borrowing
         | 9.6 % | 12.3 % | 10.3 % | 
|  
            
            AUM - NBFC
         | 25904.0 Crs | 4958.0 Crs | 7688.0 Crs | 
|  
            
                
                
                
                    
                
                 
            
            Capital to Risks Assets Ratio (CRAR)
         | 26.1 % | 40.8 % | 29.52 % | 
|  
            
            Tier I Capital
         | 25.2 % | n/a | 20.89 % | 
|  
            
                
                
                
                    
                
                 
            
            Gross NPA
         | 3.65 % | 5.49 % | n/a | 
|  
            
            Net NPA
         | 1.26 % | 1.15 % | n/a | 
|  
            
                
                
                
                    
                
                 
            
            Financials
         | |||
|  
            
                
                
                
                    
                
                 
            
            5 yr Average ROE
         | 11.59 % | -3.53 % | -6.99 % | 
|  
            
            5yr average Equity Multiplier
         | 4.33 | 2.99 | 4.63 | 
|  
            
            5yr Average Asset Turnover Ratio
         | 0.17 | 0.2 | 0.2 | 
|  
            
            5yr Avg Net Profit Margin
         | 15.77 % | -1.54 % | -0.35 % | 
|  
            
            5yr Avg Net Profit Margin
         | 15.77 % | -1.54 % | -0.35 % | 
|  
            
            5yr CAGR Net Profit
         | 31.72 % | n/a | n/a | 
|  
            
            5yr CAGR Sales
         | 18.47 % | 10.32 % | 22.09 % | 
|  
            
            5 yr CAGR PPOP
         | n/a | n/a | n/a | 
|  
            
            Price to Book
         | 3.28 | 0.78 | 1.81 | 
|  
            
            P/E
         | 175.75 | 0.0 | 0.0 | 
|  
            
                
                
                
                    
                
                 
            
            Shareholdings
         | |||
|  
            
            Promoter Holding
         | 66.37 % | 48.16 % | 54.95 % | 
|  
            
            Share Pledged by Promoters
         | 0.0 | 0.0 | 4.49 % | 
|  
            
            Change in Promoter Holding (3 Yrs)
         | -7.37 % | -15.43 % | -13.23 % | 
|  
            
            Change in Mutual Fund Holding (3 Yrs)
         | 0.88 % | 0.56 % | -2.38 % | 
|  CreditAccess Grameen |  Spandana Sphoorty |  Fusion Finance | |
|---|---|---|---|
|  
                Product Wise Break-Up
             | Product Wise Break-Up 
 | Product Wise Break-Up 
 | - | 
|  
                Location Wise Break-Up
             | Location Wise Break-Up 
 | Location Wise Break-Up 
 | Location Wise Break-Up 
 | 
|  
                Borrowings Break-Up
             | Borrowings Break-Up 
 | Borrowings Break-Up 
 | Borrowings Break-Up 
 | 
|  
                AUM Break-Up - NBFC
             | AUM Break-Up - NBFC 
 | AUM Break-Up - NBFC 
 | - |