Manba Finance Ltd.

Financial

	Manba Finance	SIL Investments	Moneyboxx Finance
Operational Metrics
Banking Sector
Gross NPA	2.83 %	n/a	5.6 %
Net NPA	2.21 %	n/a	2.88 %
NBFC
Tier I Capital	25.17 %	151.32 %	n/a
AUM - NBFC	1303.8 Crs	n/a	837.0 Crs
Capital to Risks Assets Ratio (CRAR)	25.17 %	n/a	35.8 %
Yield On Advances	23.9 %	n/a	n/a
Financials
5 yr Average ROE	12.47 %	2.14 %	-7.94 %
5yr average Equity Multiplier	4.62	1.08	3.35
5yr Average Asset Turnover Ratio	0.19	0.03	0.15
5yr Avg Net Profit Margin	14.54 %	70.26 %	-28.9 %
5yr Avg Net Profit Margin	14.54 %	70.26 %	-28.9 %
5yr CAGR Net Profit	37.77 %	-3.53 %	n/a
5yr CAGR Sales	32.47 %	3.55 %	98.81 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.83	0.22	2.57
P/E	20.6	18.25	63.72
Shareholdings
Promoter Holding	74.98 %	63.79 %	44.66 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	-19.2 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	Manba Finance	SIL Investments	Moneyboxx Finance
Product Wise Break-Up	Product Wise Break-Up Two Wheeler 89.57 Personal Loan 0.71 Three Wheeler 0.61 Used Two Wheeler 0.38 Small Business Loan 0.19 Used Car Loan 0.02 Gain on Redemption of Mutual Fund 0 0 Dividend on Non-Current Investments 0 0 Fee and commission 0 Interest Income 0 Others 8.52	Product Wise Break-Up Fee and commission 0 Two Wheeler 0 Used Two Wheeler 0 0 Used Car Loan 0 Interest Income 0 Small Business Loan 0 Personal Loan 0 Gain on Redemption of Mutual Fund 0 Interest Income 17.22 Dividend 80.88 Three Wheeler 0 Others 1.9	Product Wise Break-Up Fee and commission 7.69 Two Wheeler 0 Used Two Wheeler 0 0 Used Car Loan 0 Interest Income 82.03 Small Business Loan 0 Personal Loan 0 Gain on Redemption of Mutual Fund 0 0 Dividend on Non-Current Investments 0 Three Wheeler 0 Others 10.28
Location Wise Break-Up	Location Wise Break-Up Maharashtra 69.4 Gujarat 24.03 Rajasthan 3.58 Chhattisgarh 2.84 Madhya Pradesh 0.15 India 0 Uttar Pradesh 0 Chattisgarh 0 Punjab 0 Haryana 0	Location Wise Break-Up Madhya Pradesh 0 Rajasthan 0 Chhattisgarh 0 Punjab 0 India 100.0 Uttar Pradesh 0 Haryana 0 Maharashtra 0 Gujarat 0 Chattisgarh 0	Location Wise Break-Up Madhya Pradesh 31.3 Rajasthan 19.6 Chhattisgarh 0 Punjab 10.6 India 0 Uttar Pradesh 15.5 Haryana 13.0 Maharashtra 0 Gujarat 0 Chattisgarh 3.2 Others 6.8
Borrowings Break-Up	Borrowings Break-Up NBFCs and Financial Institutions 33.19 Non-Convertible Debentures 21.57 Banks 21.43 PTC 17.25 Working Capital Demand Loan 5.76 Commercial Papers 0 Others 0.8	-	-
AUM Break-Up	AUM Break-Up New Vehicle Loans 97.9 Personal Loans 0.78 Small Business Loan 0.75 Used Vehicle Loans 0.3 Others 0.27	-	-
NPA Break-Up	NPA Break-Up Two wheeler 87.21 Top-up loans 11.06 Used Two Wheeler 1.64 Three Wheeler 0.09 Small business loan 0 Personal Loans 0 Used Car 0	-	-

Manba Finance Ltd.

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