TruCap Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	TruCap Finance	Capital Trust	Indian Infotech&Soft
Operational Metrics
Banks
Net Interest Margin	7.0 %	24.2 %	n/a
NBFC
Tier I Capital	34.38 %	n/a	n/a
Cost To Income Ratio	52.5 %	n/a	n/a
Cost of Borrowing	13.0 %	16.2 %	n/a
AUM - NBFC	598.6 Crs	104.0 Crs	n/a
Gross NPA	5.5 %	9.1 %	n/a
Net NPA	3.4 %	3.7 %	n/a
Capital to Risks Assets Ratio (CRAR)	24.0 %	31.0 %	n/a
Software Services
Active Clients	43201.0 .	n/a	n/a
Unclassified
Average Ticket Size - NBFC	80.0 Ths	n/a	n/a
Financials
5 yr Average ROE	-5.49 %	-3.44 %	-0.39 %
5yr average Equity Multiplier	3.27	3.22	1.03
5yr Average Asset Turnover Ratio	0.19	0.3	0.15
5yr Avg Net Profit Margin	-2.64 %	-4.46 %	8.42 %
Price to Book	0.69	0.5	0.35
P/E	0.0	0.0	0.0
5yr Avg Cash Conversion Cycle	91.43 Days	n/a	252.69 Days
Inventory Days	0.0	n/a	51.9 Days
Days Receivable	91.43 Days	n/a	0.0
Days Payable	5.98 Days	n/a	32.26 Days
5yr Average Interest Coverage Ratio	1.09	n/a	2.24
5yr Avg ROCE	14.07 %	n/a	-0.26 %
5yr Avg Operating Profit Margin	39.18 %	n/a	-84.9 %
5 yr average Debt to Equity	2.19	n/a	0.01
5yr CAGR Net Profit	n/a	n/a	n/a
5yr Average Return on Assets	-1.17 %	n/a	-0.39 %
Shareholdings
Promoter Holding	30.96 %	54.13 %	11.53 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-29.29 %	-12.82 %	-2.46 %
Change in Mutual Fund Holding (3 Yrs)	-0.07 %	0.0	0.0

Business

	TruCap Finance	Capital Trust	Indian Infotech&Soft
Product Wise Break-Up	Product Wise Break-Up Interest Income 94.35 Fee & Commission income 5.63 Net gain on fair value changes 0.02 0 Mortgage and verification fee 0 0 Loan Processing fee 0 Interest on loan to customers 0 Investments 0	Product Wise Break-Up Mortgage and verification fee 0 Interest Income 56.91 0 Loan Processing fee 0 Investments 0 Interest Income 0 Interest Income 0.15 Fee & Commission income 0 Net gain on fair value changes 0 Others 42.94	Product Wise Break-Up Mortgage and verification fee 0 Interest on loan to customers 0 0 Loan Processing fee 0 NBFC 100.0 Interest Income 0 0 Fee & Commission income 0 Net gain on fair value changes 0
Segment Break-Up	Segment Break-Up Fund Based activities 100.0 Advisory Services 0	-	-
Location Wise Break-Up	Location Wise Break-Up Domestic 100.0 Uttar Pradesh 0 Punjab 0 Rajasthan 0 Madhya Pradesh 0 Bihar 0 Odisha 0 Uttarakhand 0	Location Wise Break-Up Bihar 38.59 Uttar Pradesh 17.84 Rajasthan 7.05 Uttarakhand 0 Domestic 0 Odisha 13.28 Punjab 0 Madhya Pradesh 10.37 Others 12.87	-
Operating Profit Break-Up	Operating Profit Break-Up Fund Based activities 86.28 Advisory 13.72	-	-
Verticals	Verticals Manufacturing 17.0 Consumer 15.0 Education 15.0 Salaried 12.0 Healthcare 8.0 Construction 7.0 Trading 0 Services 0 Retail 0 Food 0 Agriculture 0 Dairy and Livestock 0 Others 26.0	Verticals Salaried 0 Trading 6.5 Services 16.1 Retail 17.2 Education 0 Consumer 0 Manufacturing 8.8 Dairy and Livestock 46.4 Healthcare 0 Agricultural 2.2 Construction 0 Food Products 2.7 Others 0.1	-
AUM Break-Up	AUM Break-Up MSME Loan 46.0 Gold Loan 34.0 Loan Against Property 0 Co-Lending 0 Personal Loan 0 Legacy Portfolio 0 Capital Digital Loans 0 Others 20.0	AUM Break-Up Gold Loan 0 Personal Loan 0 MSME Loan 0 Co-Lending 0 Capital Digital Loans 80.0 Loan Against Property 0 Legacy Portfolio 20.0	-
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-
Asset Break-Up	Asset Break-Up Others 100	-	-

TruCap Finance Ltd.

TruCap Finance Ltd.

Financial

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