Paisalo Digital Ltd.

Financial

	Paisalo Digital	PTC India Fin. Serv	Fusion Finance
Operational Metrics
Banking Sector
Net Interest Margin	6.4 %	4.68 %	8.6 %
NBFC
AUM - NBFC	5232.8 Crs	n/a	8980.0 Crs
Capital to Risks Assets Ratio (CRAR)	39.16 %	59.65 %	22.42 %
Tier I Capital	29.9 %	41.53 %	26.59 %
Gross NPA	0.99 %	8.46 %	n/a
Net NPA	0.76 %	4.74 %	n/a
Financials
5 yr Average ROE	8.6 %	5.14 %	9.08 %
5yr average Equity Multiplier	2.93	4.35	4.32
5yr Average Asset Turnover Ratio	0.15	0.1	0.17
5yr Avg Net Profit Margin	19.67 %	13.46 %	12.14 %
5yr Avg Net Profit Margin	19.67 %	13.46 %	12.14 %
5yr CAGR Net Profit	27.02 %	7.88 %	48.65 %
5yr CAGR Sales	11.94 %	-10.74 %	27.0 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.8	0.95	1.95
P/E	13.79	12.06	0.0
Shareholdings
Promoter Holding	50.37 %	64.99 %	57.71 %
Share Pledged by Promoters	28.43 %	0.0	6.38 %
Change in Promoter Holding (3 Yrs)	6.21 %	0.0	-10.47 %
Change in Mutual Fund Holding (3 Yrs)	0.24 %	2.1 %	2.42 %

Business

	Paisalo Digital	PTC India Fin. Serv	Fusion Finance
Product Wise Break-Up	Product Wise Break-Up NBFC 100.0 Sale of Power 0 Fee and commission income 0 Interest Income 0	Product Wise Break-Up Sale of power 0.39 Interest Income 94.58 NBFC 0 Fee and commission income 0.75 Others 4.28	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Distribution Channel	Distribution Channel Small & Medium Enterprises (SME) loans 74.19 PAISALO App (IGL-DIGITAL-E-SIGN) 13.4 PAISALO JLG (KYC+ESIGN) 12.41	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 62.18 Loans repayable on demand from banks 37.82 Loans from related parties 0 Commercial Papers 0 Bonds/Debentures 0 ECBs 0 Loans-Banks 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	Borrowings Break-Up Commercial Papers 0 Loan From Banks 98.52 Non-Banking Financial Institutions 0 Loans from related parties 0 Private Sector Bank 0 Foreign-Bank 0 ECB 0.95 Public Sector Bank 0 Loans repayable on demand from banks 0 Loan From Banks 0 Development financial Institutions 0 Non-Convertible Debentures 0 Bonds/Debentures 0 Others 0.53	Borrowings Break-Up Commercial Papers 0 Loans-Banks 0 Non-Banking Financial Institutions 3.0 Loans from related parties 0 Private Sector Bank 37.0 Foreign-Bank 19.0 ECBs 0 Public Sector Bank 30.0 Loans repayable on demand from banks 0 Loan From Banks 0 Development financial Institutions 7.0 Non-Convertible Debentures 0 Bonds/Debentures 0 Others 4.0

Paisalo Digital Ltd.

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