Reliance Home Finance Ltd.

Financial

	Reliance Home Financ	Paisalo Digital	MKVentures Cap
Operational Metrics
Banking Sector
Net Interest Margin	3.8 %	7.29 %	n/a
Capital to Risks Assets Ratio (CRAR)	-3992.56 %	37.82 %	n/a
Tier I Capital	-3992.56 %	36.49 %	n/a
NBFC
Cost To Income Ratio	35.0 %	n/a	n/a
Cost of Borrowing	9.0 %	n/a	n/a
AUM - NBFC	11857.0 Crs	4228.0 Crs	n/a
Gross NPA	0.9 %	0.02 %	n/a
Net NPA	41.03 %	0.02 %	n/a
Financials
5 yr Average ROE	-878.44 %	7.61 %	21.57 %
5yr average Equity Multiplier	-48.31	2.97	3.33
5yr Average Asset Turnover Ratio	1.71	0.15	0.48
5yr Avg Net Profit Margin	-132.59 %	17.37 %	13.64 %
5yr Avg Net Profit Margin	-132.59 %	17.37 %	13.64 %
5yr CAGR Net Profit	140.45 %	10.67 %	n/a
5yr CAGR Sales	36.36 %	5.59 %	65.67 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.0	4.94	9.96
P/E	0.03	36.67	40.2
Shareholdings
Promoter Holding	0.74 %	50.37 %	74.36 %
Share Pledged by Promoters	0.0	18.54 %	0.0
Change in Promoter Holding (3 Yrs)	-48.84 %	6.59 %	14.45 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.14 %	0.0

Business

	Reliance Home Financ	Paisalo Digital	MKVentures Cap
Product Wise Break-Up	Product Wise Break-Up Interest Income 100.0 NBFC 0 Fees and Commission Income 0 Financing activities (NBFC) 0 0	Product Wise Break-Up NBFC 100.0 Fees and Commission Income 0 NBFC 0 Interest Income 0 0	Product Wise Break-Up Financing activities (NBFC) 0 Fees and Commission Income 0 NBFC 0 Interest Income 0 Fund based activities including investment activities (NBFC) 100.0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Domestic 0	Location Wise Break-Up Domestic 0 India 100.0	Location Wise Break-Up India 100.0 India 0
Customer Segment	Customer Segment Corporate Bodies 78.21 Home loans 12.62 Small & Medium Enterprises (SME) loans 9.18	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 61.76 Commercial Papers 10.02 Cash Credit 7.09 Loans repayable on demand 0 Loans from related parties 0 Term loans 0 Others 21.13	Borrowings Break-Up Loan From Banks 35.96 Loans from related parties 0 Cash Credit 0 Loan From Banks 0 Commercial Papers 0 Loans repayable on demand from banks 64.04	-