TruCap Finance Ltd.

Financial

	TruCap Finance	Baid Finserv	Sonal Mercantile
Operational Metrics
Banking Sector
Net Interest Margin	7.0 %	n/a	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 %	n/a	n/a
AUM - NBFC	832.6 Crs	n/a	n/a
Gross NPA	3.7 %	n/a	n/a
Net NPA	2.2 %	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	24.0 %	n/a	n/a
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 %	6.35 %	6.18 %
5yr average Equity Multiplier	2.76	2.37	1.87
5yr Average Asset Turnover Ratio	0.21	0.16	0.05
5yr Avg Net Profit Margin	7.64 %	16.45 %	67.61 %
Price to Book	0.99	0.8	0.4
P/E	0.0	9.98	4.38
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	30.96 %	36.25 %	24.92 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-36.04 %	14.76 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-0.07 %	0.0	0.0

Business

	TruCap Finance	Baid Finserv	Sonal Mercantile
Product Wise Break-Up	Product Wise Break-Up Interest Income 88.77 Fee & Commission income 11.2 Net gain on fair value changes 0 Loan against property 0 Financing of Vehicles 0 Others 0.03	Product Wise Break-Up Loan against property 67.26 Fee & Commission income 0 Financing of Vehicles 32.74 Net gain on fair value changes 0 Interest Income 0	Product Wise Break-Up Loan against property 0 Fee & Commission income 0 Financing of Vehicles 0 Net gain on fair value changes 0 Interest Income 0 Others 100
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	-	-
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 Others 26.0	-	-
AUM Break-Up	AUM Break-Up Gold Loan 49.35 MSME Loan 39.31 Loan Against Property 0 Co-Lending 0 Personal Loan 0 Others 11.34	-	-
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-
Asset Break-Up	Asset Break-Up Others 100	-	-