Mahindra & Mahindra Financial Services Ltd.

Financial

	Mah & Mah Finl. Serv	Poonawalla Fincorp	Cholamandalam Fin.
Operational Metrics
Asset Management Sector
% of AUM in equity fund	79.45 %	n/a	n/a
5 Yr AUM CAGR - Mutual Funds	41.53 %	n/a	n/a
AUM - Mutual Funds	27089.8 Crs	n/a	n/a
Banking Sector
Net Interest Margin	6.5 %	11.06 %	n/a
NBFC
Gross NPA	3.69 %	1.84 %	n/a
Net NPA	1.84 %	0.85 %	n/a
Cost To Income Ratio	41.7 %	n/a	n/a
AUM - NBFC	119673.0 Crs	35631.0 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	18.3 %	22.94 %	n/a
Tier I Capital	15.2 %	0.0	n/a
Financials
5 yr Average ROE	8.3 %	2.45 %	15.47 %
5yr average Equity Multiplier	5.77	4.08	16.37
5yr Average Asset Turnover Ratio	0.14	0.13	0.16
5yr Avg Net Profit Margin	10.81 %	18.15 %	6.22 %
5yr Avg Net Profit Margin	10.81 %	18.15 %	n/a
5yr CAGR Net Profit	12.44 %	128.44 %	n/a
5yr CAGR Sales	5.89 %	7.43 %	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.5	3.65	3.22
P/E	14.27	0.0	17.67
Shareholdings
Promoter Holding	52.16 %	62.53 %	46.45 %
Share Pledged by Promoters	0.0	0.0	0.02 %
Change in Promoter Holding (3 Yrs)	0.0	1.03 %	-2.17 %
Change in Mutual Fund Holding (3 Yrs)	7.46 %	-0.52 %	-4.78 %

Business

	Mah & Mah Finl. Serv	Poonawalla Fincorp	Cholamandalam Fin.
Loan Break-Up	Loan Break-Up Consumer Finance 85.81 Loans under housing finance business 6.55 Small & Medium Enterprises (SME) loans 3.42 Trading 2.62 Bills of exchange 0.96 0 0 Others 0.64	-	-
Location Wise Break-Up	Location Wise Break-Up North India 33.0 East India 20.0 South India 19.0 West India 18.0 Central India 10.0 India 0	Location Wise Break-Up East India 13.0 North India 26.0 Central India 0 India 0 West India 31.0 South India 30.0	Location Wise Break-Up East India 0 North India 0 Central India 0 India 100.0 West India 0 South India 0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 99.47 Loan from Body Corporates 0.16 Loans repayable on demand 0 Loans repayable on demand (from banks) 0 Term loans (from banks) 0 Loan repayable on demand - Secured 0 External Commercial Borrowings 0 Foreign Currency Loans 0 Rupee Loans 0 Others 0.37	Borrowings Break-Up Loan From Banks 0 Loan From Banks 35.39 Rupee Loans 0 External Commercial Borrowings 0 Loan repayable on demand - Secured 0 Loans repayable on demand 0 Foreign Currency Loans 0 Loan from Body Corporates 0 Loan From Banks 54.64 Others 9.97	Borrowings Break-Up Loan From Banks 0 Loans repayable on demand (from banks) 0 Rupee Loans 91.11 External Commercial Borrowings 5.32 Loan From Banks 3.57 Loans repayable on demand 0 Foreign Currency Loans 0 Loan from Body Corporates 0 Term loans (from banks) 0
Borrowings - Geography Wise	Borrowings - Geography Wise Borrowings in India 96.14 Borrowings outside India 3.86	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 79.45 Balanced schemes 8.74 Liquid/ Money Market 6.18 Debt 5.54 ETF 0 FMP 0 Gilt 0 Others 0.09	-	-
Segment Wise Break-Up	Segment Wise Break-Up Financing Activities 91.29 Others 8.71	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Utility Vehicles 38.77 Commercial Vehicles 23.52 Pre-owned vehicles 16.82 Tractor Segment 8.04 SME 6.45 Cars 0 Others 6.4	-	-

Mahindra & Mahindra Financial Services Ltd.

Mahindra & Mahindra Financial Services Ltd.

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