CSL Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	CSL Finance	Kiran Vyapar	Moneyboxx Finance
Operational Metrics
Banks
Net Interest Margin	14.0 %	n/a	14.4 %
Capital to Risks Assets Ratio (CRAR)	46.04 %	n/a	28.4 %
NBFC
AUM - NBFC	1249.0 Crs	n/a	918.0 Crs
Gross NPA	0.56 %	n/a	n/a
Net NPA	0.42 %	0.01 %	n/a
Financials
5 yr Average ROE	12.05 %	6.41 %	-5.22 %
5yr average Equity Multiplier	1.9	1.15	3.74
5yr Average Asset Turnover Ratio	0.16	0.07	0.18
5yr Avg Net Profit Margin	40.03 %	80.87 %	-9.87 %
5yr Avg Net Profit Margin	40.03 %	80.87 %	-9.87 %
5yr CAGR Net Profit	21.23 %	-9.53 %	n/a
5yr CAGR Sales	28.42 %	-4.36 %	78.48 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.17	0.27	2.02
P/E	8.46	12.79	0.0
Shareholdings
Promoter Holding	47.56 %	74.96 %	44.59 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.77 %	0.0	-14.02 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	CSL Finance	Kiran Vyapar	Moneyboxx Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 94.15 Fee Income 4.26 Loans written off earlier now recovered 1.59 Processing Fees Wholesale 0 Processing Fees SME 0 Processing Fees Retail 0 Generation based incentives 0 Sale of power 0 Sale of services 0 Sale of goods 0 Net gain on fair value changes 0 Dividend income 0 Interest income 0 Fee and commission 0 Interest Income 0	Product Wise Break-Up Fee Income 0 Sale of services 0 Fee and commission 0 Processing Fees SME 0 Interest Income 51.58 Processing Fees Retail 0 Generation based incentives 0 Dividend 2.98 Interest Income 0 Loans written off earlier now recovered 0 Sale of goods 0 Sale of power 0 Processing Fees Wholesale 0 Net gain on fair value changes 30.39 Others 15.05	Product Wise Break-Up Fee Income 0 Sale of services 0 Fee and commission 5.67 Processing Fees SME 0 Interest income 0 Processing Fees Retail 0 Generation based incentives 0 Dividend income 0 Interest Income 85.46 Loans written off earlier now recovered 0 Sale of goods 0 Sale of power 0 Processing Fees Wholesale 0 Net gain on fair value changes 0 Others 8.87
Loan Break-Up	Loan Break-Up Wholesales Book 69.0 Small & Medium Enterprises (SME) loans 31.0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 South India 0 Bihar 0 Gujarat 0 Uttar Pradesh 0 Chattisgarh 0 Punjab 0 Madhya Pradesh 0 Rajasthan 0 Haryana 0	Location Wise Break-Up Rajasthan 0 Madhya Pradesh 0 South India 0 Gujarat 0 Bihar 0 Haryana 0 Uttar Pradesh 0 India 100.0 Punjab 0 Chattisgarh 0	Location Wise Break-Up Rajasthan 14.2 Madhya Pradesh 31.3 South India 4.3 Gujarat 5.2 Bihar 4.6 Haryana 11.9 Uttar Pradesh 16.6 India 0 Punjab 9.3 Chattisgarh 2.6
Retail Loan Break-Up - NBFC	Retail Loan Break-Up - NBFC Rajastan 29.0 Gujarat 28.0 Punjab 14.0 Haryana 12.0 Uttar Pradesh 8.0 Uttarakhand 6.0 Delhi 2.0 Others 1.0	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 68.47 Loans repayable on demand from banks 3.51 Others 28.02	-	-

CSL Finance Ltd.

CSL Finance Ltd.

Financial

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