Indostar Capital Finance Ltd.

Financial

	Indostar Capital Fin	MAS Financial Serv	Fusion Finance
Operational Metrics
Banking Sector
Net Interest Margin	5.6 %	6.8 %	8.6 %
Yield On Advances	13.1 %	n/a	19.1 %
NBFC
Cost To Income Ratio	53.7 %	n/a	69.6 %
Cost of Borrowing	11.3 %	9.81 %	10.5 %
AUM - NBFC	11053.0 Crs	12099.8 Crs	8980.0 Crs
Capital to Risks Assets Ratio (CRAR)	28.5 %	24.72 %	22.42 %
Tier I Capital	28.87 %	22.58 %	26.59 %
Gross NPA	4.52 %	2.44 %	n/a
Net NPA	2.46 %	1.62 %	n/a
Financials
5 yr Average ROE	-6.44 %	13.69 %	9.08 %
5yr average Equity Multiplier	3.16	5.11	4.32
5yr Average Asset Turnover Ratio	0.13	0.12	0.17
5yr Avg Net Profit Margin	-14.58 %	22.01 %	12.14 %
5yr Avg Net Profit Margin	-14.58 %	22.01 %	12.14 %
5yr CAGR Net Profit	n/a	8.44 %	48.65 %
5yr CAGR Sales	-1.04 %	12.62 %	27.0 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.25	2.02	1.91
P/E	37.75	17.0	0.0
Shareholdings
Promoter Holding	73.29 %	66.63 %	57.71 %
Share Pledged by Promoters	0.0	0.0	6.38 %
Change in Promoter Holding (3 Yrs)	-15.92 %	-7.01 %	-10.47 %
Change in Mutual Fund Holding (3 Yrs)	-0.06 %	4.73 %	2.42 %

Business

	Indostar Capital Fin	MAS Financial Serv	Fusion Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 85.46 Fees and Commission Income 6.37 Net gain on fair value changes 2.69 0 0 Interest Income 0 Gain On Assignment Of Financial Assets 0 Others 5.48	Product Wise Break-Up 0 Net gain on fair value changes 0 Fees and Commission Income 5.51 0 Gain On Assignment Of Financial Assets 9.46 Interest Income 85.0 Others 0.03	-
Segment Break-Up	Segment Break-Up Micro Finance 0 Others 100	-	Segment Break-Up Micro Finance 100.0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Customer Segment	Customer Segment Corporate 99.0 Retail 1.0 Retail Leading 0 Urban 0 Rural 0	Customer Segment Rural 0 Retail 0 Urban 0 Consumer Finance 100.0 Corporate 0	Customer Segment Rural 94.0 Retail 0 Urban 6.0 Retail Leading 0 Corporate 0
Operating Profit Break-Up	Operating Profit Break-Up Others 100	-	-
Borrowings Break-Up	Borrowings Break-Up NCD 47.0 Banking 28.0 Securitisation 17.0 CPs 0 Equity 0 Non-Convertible Debentures 0 Direct Assignment (incl. co-lending) 0 Cash credit/OD 0 0 Term loans 0 Non-Banking Financial Institutions 0 Foreign-Bank 0 Private Sector Bank 0 Development financial Institutions 0 Public Sector Bank 0 Others 8.0	Borrowings Break-Up Securitisation 0 NCD 0 Private Sector Bank 0 Development financial Institutions 0 Banking 0 0 Loan From Banks 11.6 Direct Assignment (incl. co-lending) 21.32 Non-Convertible Debentures 13.25 Equity 0 Loan From Banks 51.05 Non-Banking Financial Institutions 0 Public Sector Bank 0 Foreign-Bank 0 CPs 0 Others 2.78	Borrowings Break-Up Securitisation 0 NCD 0 Private Sector Bank 37.0 Development financial Institutions 7.0 Banking 0 0 Cash credit/OD 0 Direct Assignment (incl. co-lending) 0 Non-Convertible Debentures 0 Equity 0 Term loans 0 Non-Banking Financial Institutions 3.0 Public Sector Bank 30.0 Foreign-Bank 19.0 CPs 0 Others 4.0
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Commercial Vehicle Loans 67.0 Home loans 28.0 Small & Medium Enterprises (SME) loans 3.0 Vehicle Finance 0 Corporate Lending 0 Others 2.0	-	-

Indostar Capital Finance Ltd.

Indostar Capital Finance Ltd.

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