Satin Creditcare Network Ltd.

Financial

	Satin Creditcare	Finkurve Financial	Arman Financial Serv
Operational Metrics
NBFC
Gross NPA	3.7 %	n/a	3.4 %
AUM - NBFC	12784.0 Crs	n/a	2245.0 Crs
Capital to Risks Assets Ratio (CRAR)	25.85 %	50.62 %	n/a
Cost To Income Ratio	64.09 %	n/a	31.1 %
Net NPA	1.4 %	n/a	0.6 %
Number of Clients - NBFC	33.6 Lacs	n/a	n/a
Retail
Average Ticket Size	53000.0 Rs	n/a	n/a
Financials
5 yr Average ROE	5.91 %	7.37 %	18.34 %
5yr average Equity Multiplier	4.87	4.01	5.06
5yr Average Asset Turnover Ratio	0.19	1.28	0.22
5yr Avg Net Profit Margin	6.12 %	13.72 %	17.39 %
5yr Avg Net Profit Margin	6.12 %	13.72 %	17.39 %
5yr CAGR Net Profit	22.98 %	58.52 %	33.12 %
5yr CAGR Sales	8.42 %	-28.16 %	25.19 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.69	11.16	1.83
P/E	8.05	101.35	30.81
Shareholdings
Promoter Holding	36.17 %	62.07 %	22.06 %
Share Pledged by Promoters	0.0	19.04 %	0.0
Change in Promoter Holding (3 Yrs)	-0.52 %	9.21 %	-5.39 %
Change in Mutual Fund Holding (3 Yrs)	-2.42 %	0.0	1.98 %

Business

	Satin Creditcare	Finkurve Financial	Arman Financial Serv
Product Wise Break-Up	Product Wise Break-Up Interest income 93.6 Gain from derecognition of financial instrument 4.86 Fees and Commission 1.39 Dividend Income 0 MSME 0 Service/ Trade (ex. MSME) 0 Production 0 Agri/ Allied Activities 0 Fee and Commission 0 Remittance Bank Charses Received 0 Income from forex services 0 0 Gain on Assignment of Financial Assets 0 0 nbfc 0 Others 0.15	Product Wise Break-Up MSME 0 Interest Income 52.06 Dividend Income 0 Remittance Bank Charses Received 0 Gain on Assignment of Financial Assets 0 Service/ Trade (ex. MSME) 0 nbfc 0 0 Fee and Commission 43.6 Income from forex services 0 Agri/ Allied Activities 0 0 Fees and Commission 0 Interest income 0 Production 0 Others 4.34	Product Wise Break-Up MSME 0 0 Dividend Income 0 Remittance Bank Charses Received 0 NBFC 4.71 Service/ Trade (ex. MSME) 0 nbfc 0 NBFC 90.04 Fee and Commission 0 Income from forex services 0 Agri/ Allied Activities 0 0 Fees and Commission 0 Interest income 0 Production 0 Others 5.25
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Loan From Banks 75.94 Liability against securitized assets 11.87 External Commercial Borrowings 9.19 Liability against leased assets 0.3 0 Banks 0 Commercial paper 0 Non-convertible debentures 0 Others 2.7	-	-
Location Wise Break-Up	Location Wise Break-Up Uttar Pradesh 26.9 Bihar 14.6 Punjab 6.6 Madhya Pradesh 6.6 West Bengal 6.2 Rajasthan 5.7 NCR 5.6 Assam 3.9 Haryana 3.6 Pondicherry 0 Tripura 0 Karnataka 0 Tamil Nadu 0 Chhattisgarh 0 Jharkhand 0 Maharashtra 0 Gujarat 0 India 0 Others 20.3	Location Wise Break-Up Jharkhand 0 Madhya Pradesh 0 Punjab 0 Uttar Pradesh 0 Chhattisgarh 0 Tripura 0 Maharashtra 0 India 100.0 Haryana 0 Bihar 0 NCR 0 Pondicherry 0 West Bengal 0 Gujarat 0 Assam 0 Tamil Nadu 0 Karnataka 0 Rajasthan 0	Location Wise Break-Up Jharkhand 0 Madhya Pradesh 16.0 Punjab 0 Uttar Pradesh 23.0 Chhattisgarh 0 Tripura 0 Maharashtra 5.0 India 0 Haryana 0 Bihar 9.0 NCR 0 Pondicherry 0 West Bengal 0 Gujarat 29.0 Assam 0 Tamil Nadu 0 Karnataka 0 Rajasthan 11.0 Others 7.0
AUM Break-Up - NBFC	AUM Break-Up - NBFC MFI Lending 86.85 Housing Finance 7.2 MSME 5.7 Business Correspondence 0.25 SFL 0 TFSL - Business Correspondence 0 Product Financing 0 2-wheeler loans 0 MSME loans 0 Microfinance 0	-	AUM Break-Up - NBFC Business Correspondence 0 MSME 0 2 Wheeler Loans 3.63 Product Financing 0 SFL 0 Small & Medium Enterprises (SME) loans 17.98 MFI Lending 0 TFSL - Business Correspondence 0 Housing Finance 0 Microfinance Services 76.92 Others 1.47

Satin Creditcare Network Ltd.

Satin Creditcare Network Ltd.

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