CSL Finance Ltd.

Financial

	CSL Finance	PTC India Fin. Serv	Equitas Holdings
Operational Metrics
Banking Sector
Net Interest Margin	14.0 %	4.92 %	8.54 %
Capital to Risks Assets Ratio (CRAR)	48.0 %	44.45 %	20.93 %
NBFC
AUM - NBFC	915.0 Crs	n/a	16731.0 Crs
Gross NPA	0.4 %	8.46 %	4.06 %
Net NPA	0.23 %	4.74 %	2.37 %
Financials
5 yr Average ROE	11.0 %	5.65 %	7.01 %
5yr average Equity Multiplier	1.63	5.17	7.21
5yr Average Asset Turnover Ratio	0.17	0.1	0.14
5yr Avg Net Profit Margin	41.52 %	12.0 %	6.44 %
5yr Avg Net Profit Margin	41.52 %	12.0 %	6.44 %
5yr CAGR Net Profit	12.65 %	-0.92 %	61.95 %
5yr CAGR Sales	14.51 %	-9.82 %	17.71 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.22	1.15	1.17
P/E	17.2	15.58	16.37
Shareholdings
Promoter Holding	47.71 %	64.99 %	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-9.65 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	0.0	-0.27 %	-2.23 %

Business

	CSL Finance	PTC India Fin. Serv	Equitas Holdings
Product Wise Break-Up	Product Wise Break-Up Interest Income 86.91 Fee Income 12.25 Loans written off earlier now recovered 0.85 Processing Fees Wholesale 0 Processing Fees SME 0 Processing Fees Retail 0 Sale of Power 0 Fee and commission income 0 Interest Income 0 Profit on sale of investment 0 Rental income 0 Net gain on fair value changes 0 Revenue from contract with customers 0	Product Wise Break-Up Sale of power 0.36 Revenue from contract with customers 0 Rental income 0 Net gain on fair value changes 0 Processing Fees Retail 0 Interest Income 9.81 Processing Fees Wholesale 0 Processing Fees SME 0 Fee and commission income 1.73 Loans written off earlier now recovered 0 Profit on sale of investment 0 Fee Income 0 Others 88.1	Product Wise Break-Up Sale of Power 0 Revenue from contract with customers 5.28 Rental income 0 Net gain on fair value changes 0.85 Processing Fees Retail 0 Interest Income 93.88 Processing Fees Wholesale 0 Processing Fees SME 0 Fee and commission income 0 Loans written off earlier now recovered 0 Profit on sale of investment 0 Fee Income 0
Loan Break-Up	Loan Break-Up Wholesales Book 53.0 Small & Medium Enterprises (SME) loans 47.0 State Power Utility 0 Road 0 Transmission 0 Hydro 0 Infra 0 Thermal Projects 0 Renewable 0 Financial Services 0 MSE & Financial Intermediaries 0 Business loan -Unsecured 0 Micro finance loan 0 Housing loan 0 Vehicle Finance loan 0 Micro and small enterprises loan 0	Loan Break-Up Small & Medium Enterprises (SME) loans 0 INFRA 3.0 Housing loan 0 Renewable Energy 29.0 Transmission 18.0 Micro finance loan 0 Vehicle Finance loan 0 Hydro 0 Thermal Projects 6.0 MSE & Financial Intermediaries 0 Wholesales Book 0 Road 8.0 Financial Services 0 Micro and small enterprises loan 0 Power 27.0 Business loan -Unsecured 0 Others 9.0	Loan Break-Up Small & Medium Enterprises (SME) loans 0 Infra 0 Home loans 7.09 Renewable 0 Transmission 0 Small & Medium Enterprises (SME) loans 18.94 Auto loans 24.56 Hydro 0 Thermal Projects 0 MSE & Financial Intermediaries 8.92 Wholesales Book 0 Road 0 Financial Services 0 Small & Medium Enterprises (SME) loans 38.91 State Power Utility 0 Corporate Banking 0.03 Others 1.55
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
Retail Loan Break-Up - NBFC	Retail Loan Break-Up - NBFC Rajastan 31.0 Gujarat 20.0 Haryana 16.0 Punjab 14.0 Uttar Pradesh 10.0 Uttarakhand 6.0 Delhi 2.0 Others 1.0	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 39.41 Loans repayable on demand from banks 8.6 Commercial Papers 0 Bonds/Debentures 0 ECBs 0 Loans-Banks 0 From Banks 0 Others 51.99	Borrowings Break-Up Commercial Papers 0 Loan From Banks 98.41 Loan From Banks 0 From Banks 0 Loans repayable on demand from banks 0 Bonds/Debentures 0 ECB 1.12 Others 0.47	Borrowings Break-Up Commercial Papers 0 Loans-Banks 0 Loan From Banks 0 Loan From Banks 25.85 Loans repayable on demand from banks 0 Bonds/Debentures 0 ECBs 0 Others 74.15

CSL Finance Ltd.

SIGN UP FOR FREE