Satin Creditcare Network Ltd.

Financial

	Satin Creditcare	Centrum Capital	Finkurve Financial
Operational Metrics
NBFC
Gross NPA	3.7 %	n/a	n/a
AUM - NBFC	12784.0 Crs	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	25.85 %	n/a	50.62 %
Cost To Income Ratio	64.09 %	n/a	n/a
Net NPA	1.4 %	n/a	n/a
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	5.23 %	-29.84 %	7.37 %
5yr average Equity Multiplier	4.77	31.55	4.01
5yr Average Asset Turnover Ratio	0.2	0.12	1.28
5yr Avg Net Profit Margin	5.49 %	-11.22 %	13.72 %
5yr Avg Net Profit Margin	5.49 %	n/a	13.72 %
5yr CAGR Net Profit	n/a	n/a	58.52 %
5yr CAGR Sales	13.58 %	n/a	-28.16 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.63	5.99	10.02
P/E	8.6	0.0	91.02
Shareholdings
Promoter Holding	36.17 %	38.51 %	62.07 %
Share Pledged by Promoters	0.0	45.24 %	19.04 %
Change in Promoter Holding (3 Yrs)	-0.52 %	0.28 %	9.21 %
Change in Mutual Fund Holding (3 Yrs)	-2.37 %	0.0	0.0

Business

	Satin Creditcare	Centrum Capital	Finkurve Financial
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 Interest Income 0 Consultancy Fees 0 Brokerage & Commission 0 Business Support Service Fees 0 Forex / Forex equivalents 0 Syndication, Commission & Brokerage 0 Fee and Commission 0 Remittance Bank Charses Received 0 Income from forex services 0 0 Others 0.15	Product Wise Break-Up Fee and Commission 0 Forex / Forex equivalents 0 Fees and Commission 0 Production 0 Syndication, Commission & Brokerage 0 MSME 0 Service/ Trade (ex. MSME) 0 Consultancy Fees 0 0 Income from forex services 0 Dividend Income 0 Broking 9.64 Agri/ Allied Activities 0 Business Support Service Fees 0 Interest Income 59.29 0 Remittance Bank Charses Received 0 Interest income 0 Others 31.07	Product Wise Break-Up Fee and Commission 42.71 Forex / Forex equivalents 0 Fees and Commission 0 Production 0 Syndication, Commission & Brokerage 0 MSME 0 Service/ Trade (ex. MSME) 0 Consultancy Fees 0 Interest Income 57.29 Income from forex services 0 Dividend Income 0 Brokerage & Commission 0 Agri/ Allied Activities 0 Business Support Service Fees 0 Interest Income 0 0 Remittance Bank Charses Received 0 Interest income 0
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Loan From Banks 71.76 External Commercial Borrowings 14.85 Liability against securitized assets 10.25 Liability against leased assets 0.34 0 Banks 0 Commercial paper 0 Non-convertible debentures 0 Others 2.8	-	-
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 Punjab 0 Jharkhand 0 NCR 0 Assam 0 West Bengal 0 Tripura 0 Karnataka 0 Pondicherry 0 Haryana 0 Rajasthan 0 Maharashtra 0 Uttar Pradesh 0 Bihar 0 Gujarat 0 Tamil Nadu 0 India 100.0 Chhattisgarh 0 Madhya Pradesh 0	Location Wise Break-Up Punjab 0 Jharkhand 0 NCR 0 Assam 0 West Bengal 0 Tripura 0 Karnataka 0 Pondicherry 0 Haryana 0 Rajasthan 0 Maharashtra 0 Uttar Pradesh 0 Bihar 0 Gujarat 0 Tamil Nadu 0 India 100.0 Chhattisgarh 0 Madhya Pradesh 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	-	-

Satin Creditcare Network Ltd.

Satin Creditcare Network Ltd.

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