Home First Finance Company India Ltd.

Financial

	Home First Finance	Aptus Value Housing	Aavas Financiers
Operational Metrics
Banking Sector
Net Interest Margin	5.7 %	13.37 %	7.91 %
Net NPA	1.2 %	n/a	n/a
NBFC
Cost of Borrowing	8.2 %	8.55 %	8.07 %
Gross NPA	1.7 %	1.19 %	0.94 %
AUM - NBFC	9013.7 Crs	7604.0 Crs	17312.6 Crs
Cost To Income Ratio	35.9 %	n/a	25.54 %
Unclassified
Capital to Risks Assets Ratio (CRAR)	40.9 %	70.45 %	43.99 %
Yield On Advances	13.5 %	17.21 %	13.13 %
Financials
5 yr Average ROE	9.78 %	13.91 %	11.86 %
5yr average Equity Multiplier	3.77	2.4	3.69
5yr Average Asset Turnover Ratio	0.11	0.14	0.12
5yr Avg Net Profit Margin	23.62 %	41.96 %	26.5 %
5yr Avg Net Profit Margin	23.62 %	41.96 %	26.5 %
5yr CAGR Net Profit	37.94 %	35.15 %	19.54 %
5yr CAGR Sales	24.04 %	27.41 %	17.76 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	4.15	4.61	3.4
P/E	28.23	28.0	26.15
Shareholdings
Promoter Holding	23.56 %	61.09 %	26.47 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-10.14 %	-1.42 %	-23.61 %
Change in Mutual Fund Holding (3 Yrs)	4.54 %	2.97 %	17.5 %

Business

	Home First Finance	Aptus Value Housing	Aavas Financiers
Product Wise Break-Up	Product Wise Break-Up Interest Income 89.29 Net gain on derecognition of financial assets carried at fair value 2.7 Fee & Commission income 0.83 Net gain on fair value changes 0 Fees & Commission Income 0 Interest Income 0 Corporate 0 Retail 0 Others 7.18	Product Wise Break-Up Corporate 0 Retail 0 Fees 3.31 Others 0.38 0 Interest Income 96.31 Fee & Commission income 0	Product Wise Break-Up Corporate 0.4 Retail 99.6 Fees & Commission Income 0 Net gain on fair value changes 0 0 Interest Income 0 Fee & Commission income 0
Loan Break-Up	Loan Break-Up Housing Loan 86.0 Loan Against Property 13.0 Loans for Purchase of Commercial Property 1.0 Housing loan to Corporate Bodies/others 0 Non-Housing loans 0 Developer Finance 0 Quasi HL 0 Insurance Loans 0 Top Up Loans 0 Business Loan 0 Home Loan 0 Mortgage loan 0	Loan Break-Up Housing loan to Corporate Bodies/others 0 Developer Finance 0 Mortgage loan 0 Housing Finance 59.0 Top Up Loans 2.0 0 Non-Housing loans 0 Insurance Loans 2.0 Quasi HL 16.0 Loan Against Property 0 Business Loan 21.0 Housing Loan 0	Loan Break-Up Housing loan to Corporate Bodies/others 0 Developer Finance 0 Loan Against Property 30.7 Home loans 69.3 Top Up Loans 0 0 Non-Housing loans 0 Insurance Loans 0 Quasi HL 0 Loan Against Property 0 Business Loan 0 Housing Loan 0
Location Wise Break-Up	Location Wise Break-Up Tamil Nadu 14.0 Telangana 8.9 Karnataka 6.9 Andhra Pradesh 4.8 India 0 Others 65.4	Location Wise Break-Up Tamil Nadu 39.0 Karnataka 8.0 India 0 Telangana 14.0 Andhra Pradesh 39.0	Location Wise Break-Up Tamil Nadu 0 Karnataka 0 India 100.0 Telangana 0 Andhra Pradesh 0
Customer Segment	Customer Segment Salaried 68.0 Self Employed 32.0 Corporates and Others 0 Self Emplyoed 0	Customer Segment Self Emplyoed 0 Salaried 28.0 Self Employed 72.0 Corporates and Others 0	Customer Segment Self-Employed 59.8 Salaried 40.2 Self Employed 0 Corporates and Others 0
Borrowings Break-Up	Borrowings Break-Up Private Banks 31.0 PSU Banks 25.0 NHB 22.0 DA 14.0 NCD 3.0 NBFC 2.0 Banks 0 NCDs 0 NHB Refinancing 0 Assignment 0 Term Loans 0 Others 3.0	Borrowings Break-Up NHB 23.0 NCDs 0 NHB Refinancing 0 DA 0 NBFC 0 Private Banks 0 Banks 63.0 Term Loans 0 Assignment 0 PSU Banks 0 NCD 6.0 Others 8.0	Borrowings Break-Up NHB 0 NCD 10.09 NHB 18.78 DA 0 NBFC 0 Private Banks 0 Banks 0 Loan From Banks 46.95 Assignment 24.18 PSU Banks 0 NCD 0
Ticket Size	Ticket Size 20-25 Lakhs 12.0 >25 Lakhs 10.0 10-20 Lakhs 0 <10 Lakhs 0 <10lks 0 Others 78.0	Ticket Size 10-20 Lakhs 0 >25 Lakhs 0 20-25 Lakhs 0 <10lks 93.0 <10 Lakhs 0 Others 7.0	-

Home First Finance Company India Ltd.

Home First Finance Company India Ltd.

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