TruCap Finance Ltd. benchmarking: Performance to industry peers

Financial

	TruCap Finance	Capital Trust	Assam Entrade
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 %	16.0 %	n/a
AUM - NBFC	832.6 Crs	158.0 Crs	n/a
Gross NPA	3.7 %	2.8 %	n/a
Net NPA	2.2 %	3.7 %	n/a
Capital to Risks Assets Ratio (CRAR)	24.0 %	35.0 %	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	1.82 %	1.89 %	3.1 %
5yr average Equity Multiplier	3.27	3.22	1.07
5yr Average Asset Turnover Ratio	0.19	0.3	0.1
5yr Avg Net Profit Margin	-2.64 %	-4.46 %	29.41 %
Price to Book	1.35	0.36	1.29
P/E	0.0	0.0	43.81
5yr Avg Cash Conversion Cycle	91.43 Days	n/a	180.3 Days
Inventory Days	0.0	n/a	152.0 Days
Days Receivable	91.43 Days	n/a	0.0
Days Payable	5.98 Days	n/a	16.2 Days
5yr Average Interest Coverage Ratio	1.09	n/a	204.52
5yr Avg ROCE	14.07 %	n/a	4.11 %
5yr Avg Operating Profit Margin	39.18 %	n/a	18.27 %
5 yr average Debt to Equity	2.19	n/a	0.01
5yr CAGR Net Profit	n/a	n/a	16.45 %
5yr Average Return on Assets	-1.17 %	n/a	2.9 %
Shareholdings
Promoter Holding	30.96 %	54.13 %	53.18 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-27.49 %	-12.82 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-0.07 %	0.0	0.0

Business

	TruCap Finance	Capital Trust	Assam Entrade
Product Wise Break-Up	Product Wise Break-Up Interest Income 97.32 Fee & Commission income 2.67 Net gain on fair value changes 0.01 0 Mortgage and verification fee 0 0 Loan Processing fee 0 Interest on loan to customers 0 Sale of products 0 Fees and Commission Income 0 Dividend Income 0	Product Wise Break-Up Interest Income 0.15 0 Loan Processing fee 0 Fee & Commission income 0 Fees and Commission Income 0 Interest Income 56.91 Mortgage and verification fee 0 Sale of products 0 Interest Income 0 Dividend Income 0 Net gain on fair value changes 0 Others 42.94	Product Wise Break-Up 0 0 Loan Processing fee 0 Fee & Commission income 0 Fees and Commission Income 0 Interest on loan to customers 0 Mortgage and verification fee 0 Sale of products 52.43 NBFC 47.11 Dividend Income 0.46 Net gain on fair value changes 0
Segment Break-Up	Segment Break-Up Fund Based activities 100.0 Advisory Services 0 Township Project 0 Interest on Loans 0 Trading in Shares & Securities 0	-	Segment Break-Up Advisory Services 0 Interest on Loans 15.68 Fund Based activities 0 Trading in Shares & Securities 17.46 Township Project 0 Others 66.86
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 Punjab 0 Odisha 13.28 Madhya Pradesh 10.37 Domestic 0 Uttarakhand 0 Rajasthan 7.05 Bihar 38.59 Uttar Pradesh 17.84 Others 12.87	-
Operating Profit Break-Up	Operating Profit Break-Up Fund Based activities 86.28 Advisory 13.72 Township Project 0 Interest on Loans 0 Trading in Shares & Securities 0	-	Operating Profit Break-Up Interest on Loans 36.02 Advisory 0 Fund Based activities 0 Trading in Shares & Securities 0 Township Project 0 Others 63.98
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 Trading 6.5 Construction 0 Manufacturing 8.8 Retail 17.2 Services 16.1 Agricultural 2.2 Dairy and Livestock 46.4 Healthcare 0 Food Products 2.7 Education 0 Salaried 0 Consumer 0 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 Legacy Portfolio 20.0 Personal Loan 0 Co-Lending 0 Capital Digital Loans 80.0 Gold Loan 0 Loan Against Property 0 MSME 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.

TruCap Finance Ltd.

Financial

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