TruCap Finance Ltd.

Financial

	TruCap Finance	Summit Securities	Nahar Capital &Finl.
Operational Metrics
Banking Sector
Net Interest Margin	8.3 %	n/a	n/a
NBFC
Tier I Capital	34.38 %	n/a	97.63 %
Cost To Income Ratio	52.5 %	n/a	n/a
Cost of Borrowing	13.1 %	n/a	n/a
AUM - NBFC	851.4 Crs	n/a	n/a
Gross NPA	1.4 %	n/a	n/a
Net NPA	2.74 %	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	30.0 %	n/a	97.63 %
Software Services
Active Clients	n/a	n/a	n/a
Unclassified
Average Ticket Size - NBFC	80.0 Ths	n/a	n/a
Financials
5 yr Average ROE	4.99 %	1.26 %	6.06 %
5yr average Equity Multiplier	2.27	1.09	1.1
5yr Average Asset Turnover Ratio	0.25	0.02	0.02
5yr Avg Net Profit Margin	8.52 %	76.68 %	345.13 %
Price to Book	3.35	0.21	0.32
P/E	130.28	24.15	26.9
5yr Avg Cash Conversion Cycle	82.23 Days	n/a	n/a
Inventory Days	0.0	n/a	n/a
Days Receivable	82.23 Days	n/a	n/a
Days Payable	11.09 Days	n/a	n/a
5yr Average Interest Coverage Ratio	1.95	n/a	n/a
5yr Avg ROCE	19.43 %	n/a	n/a
5yr Avg Operating Profit Margin	41.32 %	n/a	n/a
5 yr average Debt to Equity	1.19	n/a	n/a
5yr CAGR Net Profit	-21.62 %	n/a	n/a
5yr Average Return on Assets	2.78 %	n/a	n/a
Shareholdings
Promoter Holding	47.38 %	74.65 %	71.54 %
Share Pledged by Promoters	51.5 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-13.98 %	0.0	0.48 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	TruCap Finance	Summit Securities	Nahar Capital &Finl.
Product Wise Break-Up	Product Wise Break-Up Interest Income 75.1 Fee & Commission income 24.69 Net gain on fair value changes 0 Share of profit LLP 0 Dividend Income 0 Net Gain on Sale of Investment 0 Rental Income 0 Others 0.21	Product Wise Break-Up Net Gain on Sale of Investment 96.05 Net gain on fair value changes 0 Interest Income 3.86 Rental Income 0 Fee & Commission income 0 Dividend 0.09 Share of profit LLP 0	Product Wise Break-Up Net Gain on Sale of Investment 0 Net gain on fair value changes 0 Interest Income 47.63 Rental Income 37.23 Fee & Commission income 0 Dividend 13.14 Share of profit LLP 0 Others 2.0
Segment Break-Up	Segment Break-Up Fund Based activities 76.58 Advisory 23.42 Real Estate 0 Investment/Financial Activity 0	-	Segment Break-Up Fund Based activities 0 Investment/Financial Activity 88.99 Real Estate 11.01 Advisory 0
Location Wise Break-Up	Location Wise Break-Up Domestic 100.0 India 0	Location Wise Break-Up Domestic 0 India 100.0	Location Wise Break-Up Domestic 100.0 India 0
Operating Profit Break-Up	Operating Profit Break-Up Advisory 100.0 Fund Based Activities 0 Real Estate 0 Investment/Financial Activity 0	-	Operating Profit Break-Up Advisory 0 Fund Based Activities 0 Real Estate 9.21 Investment/Financial Activity 90.79
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 65.0 MSME Loan 34.0 Loan Against Property 0 Co-Lending 0 Personal Loan 0 Others 1.0	-	-
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-
Asset Break-Up	Asset Break-Up Others 100	-	Asset Break-Up Others 100

TruCap Finance Ltd.

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