IIFL Finance Ltd.

Financial

	IIFL Finance	PB Fintech	Railtel Corporation Of India Ltd.
Operational Metrics
Banking Sector
Net Interest Margin	10.3 %	n/a	n/a
NBFC
Cost To Income Ratio	56.0 %	n/a	n/a
Cost of Borrowing	9.07 %	n/a	n/a
AUM - NBFC	77444.0 Crs	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	19.6 %	n/a	n/a
Tier I Capital	12.5 %	n/a	n/a
Gross NPA	1.7 %	n/a	n/a
Net NPA	0.9 %	n/a	n/a
Financials
5 yr Average ROE	15.59 %	-25.14 %	10.84 %
5yr average Equity Multiplier	7.03	1.2	1.85
5yr Average Asset Turnover Ratio	0.15	0.45	0.51
5yr Avg Net Profit Margin	14.97 %	-40.76 %	11.42 %
Price to Book	1.79	10.12	7.71
P/E	9.84	0.0	63.04
5yr Avg Cash Conversion Cycle	10.44 Days	74.07 Days	161.26 Days
Inventory Days	0.0	0.0	0.24 Days
Days Receivable	10.44 Days	74.07 Days	161.08 Days
Days Payable	27.63 Days	16.45 Days	82.09 Days
5yr Average Interest Coverage Ratio	1.46	-607.8	25.84
5yr Avg ROCE	11.78 %	-23.15 %	14.87 %
5yr Avg Operating Profit Margin	67.86 %	-35.27 %	28.11 %
5 yr average Debt to Equity	5.57	0.0	0.0
5yr CAGR Net Profit	13.55 %	7.2 %	11.13 %
5yr Average Return on Assets	2.24 %	-19.79 %	5.86 %
Shareholdings
Promoter Holding	24.78 %	0.0	72.84 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.18 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	6.33 %	8.4 %	-2.64 %

Business

	IIFL Finance	PB Fintech	Railtel Corporation Of India Ltd.
Segment Break-Up	Segment Break-Up Fund Based activities 97.0 Capital Markets 11.78 Financial Services 3.0 Insurance Web Aggregator Services 0 Project Work Services 0 Telecom Services 0	Segment Break-Up Insurance Web Aggregator 80.05 Project Work Services 0 Telecom Services 0 Financial Services 0 Capital Markets 0 Fund Based activities 0 Others 19.95	Segment Break-Up Insurance Web Aggregator Services 0 Financial Services 50.8 Telecom 49.2 Financial Services 0 Capital Markets 0 Fund Based activities 0
Location Wise Break-Up	Location Wise Break-Up Maharashtra 20.0 NCR 15.0 Andhra Pradesh 12.0 Uttar Pradesh 11.0 Gujarat 11.0 Punjab 9.0 Madhya Pradesh 8.0 Rajasthan 5.0 Karnataka 5.0 Tamil Nadu 2.0 India 0 Others 2.0	Location Wise Break-Up Uttar Pradesh 0 Andhra Pradesh 0 India 100.0 Madhya Pradesh 0 NCR 0 Karnataka 0 Gujarat 0 Rajasthan 0 Maharashtra 0 Tamil Nadu 0 Punjab 0	Location Wise Break-Up Uttar Pradesh 0 Andhra Pradesh 0 India 100.0 Madhya Pradesh 0 NCR 0 Karnataka 0 Gujarat 0 Rajasthan 0 Maharashtra 0 Tamil Nadu 0 Punjab 0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 95.03 Securitization liability 2.6 Cash Credit 2.18 Commercial papers 0 CBLO 0 Others 0.19	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Home loans 32.95 Gold Loan 31.88 Microfinance Services 15.61 Construction 3.73 Capital Markets 0.63 Off Book Assets 0 Business Loan 0 Others 15.2	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 71.47 Liquid/ Money Market 14.37 Debt 14.17 Balanced schemes 0 ETF 0	-	-

IIFL Finance Ltd.

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