PTC India Financial Services Ltd.

Financial

	PTC India Fin. Serv	Fusion Finance	Paisalo Digital
Operational Metrics
Banking Sector
Net Interest Margin	4.63 %	10.3 %	6.5 %
Capital to Risks Assets Ratio (CRAR)	64.96 %	29.52 %	39.5 %
Tier I Capital	58.12 %	20.89 %	30.4 %
NBFC
Cost To Income Ratio	14.56 %	70.8 %	n/a
Cost of Borrowing	9.67 %	10.3 %	n/a
Gross NPA	8.46 %	n/a	0.85 %
Net NPA	4.74 %	n/a	0.68 %
Financials
5 yr Average ROE	5.67 %	-6.99 %	8.6 %
5yr average Equity Multiplier	3.6	4.63	2.93
5yr Average Asset Turnover Ratio	0.1	0.2	0.15
5yr Avg Net Profit Margin	18.7 %	-0.35 %	19.67 %
5yr Avg Net Profit Margin	18.7 %	-0.35 %	19.67 %
5yr CAGR Net Profit	53.34 %	n/a	27.02 %
5yr CAGR Sales	-10.66 %	22.09 %	11.94 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.89	1.66	1.78
P/E	7.93	0.0	13.27
Shareholdings
Promoter Holding	64.99 %	55.01 %	48.21 %
Share Pledged by Promoters	0.0	4.49 %	26.18 %
Change in Promoter Holding (3 Yrs)	0.0	-13.17 %	4.05 %
Change in Mutual Fund Holding (3 Yrs)	2.13 %	-1.51 %	0.26 %

Business

	PTC India Fin. Serv	Fusion Finance	Paisalo Digital
Product Wise Break-Up	Product Wise Break-Up Interest Income 96.29 Fee and commission income 1.83 Sale of power 0.84 Financing activities (NBFC) 0 Others 1.04	-	Product Wise Break-Up Fee and commission income 0 NBFC 100.0 Sale of power 0 Interest Income 0
Loan Break-Up	Loan Break-Up Power 43.0 Renewable Energy 20.0 Transmission 13.0 Road 8.0 Thermal Projects 5.0 INFRA 3.0 Hydro 0 Others 8.0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 98.84 ECB 0.58 Commercial Papers 0 Bonds/Debentures 0 Non-Convertible Debentures 0 Non-Banking Financial Institutions 0 Foreign-Bank 0 Private Sector Bank 0 Development financial Institutions 0 Public Sector Bank 0 Loans repayable on demand 0 Loans from related parties 0 Term loans 0 Others 0.58	Borrowings Break-Up Development financial Institutions 7.0 Non-Banking Financial Institutions 7.0 ECB 0 Public Sector Bank 26.0 Loans repayable on demand 0 Non-Convertible Debentures 0 Loan From Banks 0 Commercial Papers 0 Bonds/Debentures 0 Term loans 0 Private Sector Bank 34.0 Loans from related parties 0 Foreign-Bank 22.0 Others 4.0	Borrowings Break-Up Development financial Institutions 0 Non-Banking Financial Institutions 0 ECB 0 Public Sector Bank 0 Loans repayable on demand from banks 37.82 Non-Convertible Debentures 0 Loan From Banks 0 Commercial Papers 0 Bonds/Debentures 0 Loan From Banks 62.18 Private Sector Bank 0 Loans from related parties 0 Foreign-Bank 0
NPA Break-Up	NPA Break-Up Thermal and Hydro 82.0 Hydro 11.0 Others 6.0 Renewable Energy 1.0	-	-

PTC India Financial Services Ltd.

PTC India Financial Services Ltd.

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