TruCap Finance Ltd.

Financial

	TruCap Finance	Capital Trust	Pro Fin Capital Serv
Operational Metrics
Banking Sector
Net Interest Margin	7.0 %	24.2 %	n/a
NBFC
Tier I Capital	34.38 %	n/a	7.61 %
Cost To Income Ratio	52.5 %	n/a	n/a
Cost of Borrowing	13.0 %	16.5 %	n/a
AUM - NBFC	832.6 Crs	191.0 Crs	n/a
Gross NPA	3.7 %	5.9 %	n/a
Net NPA	2.2 %	1.1 %	n/a
Capital to Risks Assets Ratio (CRAR)	24.0 %	30.0 %	7.61 %
Software Services
Active Clients	65638.0 .	n/a	n/a
Unclassified
Average Ticket Size - NBFC	80.0 Ths	n/a	n/a
Financials
5 yr Average ROE	4.42 %	-3.44 %	-2.21 %
5yr average Equity Multiplier	2.76	3.22	7.56
5yr Average Asset Turnover Ratio	0.21	0.3	0.2
5yr Avg Net Profit Margin	7.64 %	-4.46 %	-4.07 %
Price to Book	1.14	1.54	2.91
P/E	0.0	173.44	70.34
5yr Avg Cash Conversion Cycle	127.8 Days	n/a	n/a
Inventory Days	0.0	n/a	n/a
Days Receivable	127.8 Days	n/a	n/a
Days Payable	8.69 Days	n/a	n/a
5yr Average Interest Coverage Ratio	1.89	n/a	n/a
5yr Avg ROCE	18.67 %	n/a	n/a
5yr Avg Operating Profit Margin	41.73 %	n/a	n/a
5 yr average Debt to Equity	1.65	n/a	n/a
5yr CAGR Net Profit	21.97 %	n/a	n/a
5yr Average Return on Assets	2.19 %	n/a	n/a
Shareholdings
Promoter Holding	35.76 %	64.68 %	4.92 %
Share Pledged by Promoters	3.59 %	0.0	26.75 %
Change in Promoter Holding (3 Yrs)	-29.38 %	-2.27 %	-12.57 %
Change in Mutual Fund Holding (3 Yrs)	-0.09 %	0.0	0.0

Business

	TruCap Finance	Capital Trust	Pro Fin Capital Serv
Product Wise Break-Up	Product Wise Break-Up Interest Income 88.77 Fee & Commission income 11.2 Net gain on fair value changes 0 0 Mortgage and verification fee 0 0 Loan Processing fee 0 Interest on loan to customers 0 Interest Received 0 Sales of Exempt items 0 Sale of services 0 Trading of Shares 0 Others 0.03	Product Wise Break-Up Sales of Exempt items 0 Interest Income 0.15 Interest Income 56.91 Loan Processing fee 0 Net gain on fair value changes 0 0 Sale of services 0 Mortgage and verification fee 0 Interest Received 0 Interest Income 0 Trading of Shares 0 Fee & Commission income 0 Others 42.94	Product Wise Break-Up Sales of Exempt items 0 0 Interest on loan to customers 0 Loan Processing fee 0 Net gain on fair value changes 0 0 Sale of services 0 Mortgage and verification fee 0 Interest Income 100.0 Interest Income 0 Trading of Shares 0 Fee & Commission income 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 India 0	Location Wise Break-Up Odisha 13.28 Uttar Pradesh 17.84 Punjab 0 Madhya Pradesh 10.37 Bihar 38.59 Rajasthan 7.05 Domestic 0 Uttarakhand 0 India 0 Others 12.87	Location Wise Break-Up Odisha 0 Uttar Pradesh 0 Punjab 0 Madhya Pradesh 0 Bihar 0 Rajasthan 0 Domestic 0 Uttarakhand 0 India 100.0
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 Services 16.1 Education 0 Trading 6.5 Salaried 0 Manufacturing 8.8 Healthcare 0 Retail 17.2 Consumer 0 Construction 0 Agricultural 2.2 Dairy and Livestock 46.4 Food Products 2.7 Others 0.1	-
AUM Break-Up	AUM Break-Up Gold Loan 49.35 MSME Loan 39.31 Loan Against Property 0 Co-Lending 0 Personal Loan 0 Legacy Portfolio 0 Capital Digital Loans 0 Others 11.34	AUM Break-Up Loan Against Property 0 Capital Digital Loans 80.0 Gold Loan 0 Legacy Portfolio 20.0 MSME Loan 0 Co-Lending 0 Personal Loan 0	-
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-
Asset Break-Up	Asset Break-Up Others 100	-	-

TruCap Finance Ltd.

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