Arman Financial Services Ltd.

Financial

	Arman Financial Serv	Finkurve Financial	Mufin Green Finance
Operational Metrics
Banking Sector
Net Interest Margin	16.0 %	n/a	n/a
Yield On Advances	25.5 %	n/a	n/a
NBFC
Cost To Income Ratio	44.0 %	n/a	n/a
AUM - NBFC	2156.0 Crs	n/a	n/a
Gross NPA	3.5 %	n/a	n/a
Net NPA	0.5 %	n/a	n/a
Unclassified
Average Ticket Size - NBFC	n/a	n/a	n/a
Financials
5 yr Average ROE	18.34 %	7.37 %	11.12 %
5yr average Equity Multiplier	5.06	4.01	2.1
5yr Average Asset Turnover Ratio	0.22	1.28	0.15
5yr Avg Net Profit Margin	17.39 %	13.72 %	49.58 %
5yr Avg Net Profit Margin	17.39 %	13.72 %	n/a
5yr CAGR Net Profit	33.12 %	58.52 %	n/a
5yr CAGR Sales	25.19 %	-28.16 %	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.74	9.26	5.76
P/E	246.23	80.83	83.38
Shareholdings
Promoter Holding	22.05 %	62.07 %	54.2 %
Share Pledged by Promoters	0.0	19.04 %	0.0
Change in Promoter Holding (3 Yrs)	-5.34 %	9.21 %	-13.55 %
Change in Mutual Fund Holding (3 Yrs)	2.08 %	0.0	0.0

Business

	Arman Financial Serv	Finkurve Financial	Mufin Green Finance
Product Wise Break-Up	Product Wise Break-Up NBFC 92.55 NBFC 4.29 NBFC 2.26 nbfc 0 Fee and Commission 0 Remittance Bank Charses Received 0 Income from forex services 0 0 Financing and Investing activities 0 Others 0.9	Product Wise Break-Up Financing and Investing activities 0 NBFC 0 Income from forex services 0 Interest Income 66.7 Fee and Commission 33.19 nbfc 0 Remittance Bank Charses Received 0 Others 0.11	Product Wise Break-Up Financing and Investing activities 100.0 NBFC 0 Income from forex services 0 0 Fee and Commission 0 nbfc 0 Remittance Bank Charses Received 0
Location Wise Break-Up	Location Wise Break-Up Gujarat 30.0 Uttar Pradesh 22.0 Madhya Pradesh 15.0 Bihar 11.0 Rajasthan 10.0 Maharashtra 4.0 India 0 Domestic 0 Others 8.0	Location Wise Break-Up Rajasthan 0 Uttar Pradesh 0 Maharashtra 0 Bihar 0 Gujarat 0 Madhya Pradesh 0 India 100.0 Domestic 0	Location Wise Break-Up Rajasthan 0 Uttar Pradesh 0 Maharashtra 0 Bihar 0 Gujarat 0 Madhya Pradesh 0 India 0 India 100.0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 32.8 D A 26.1 NCD 18.1 NBFC / FI 13.0 Securitization 5.4 DFIs (NABARD, MUDRA & SIDBI) 0 ECB 0 0 Working Capital Loans From Banks 0 Unsecured Loan 0 Loan from Body Corporates 0 Others 4.6	Borrowings Break-Up ECB 0 DFIs (NABARD, MUDRA & SIDBI) 0 D A 0 Working Capital Loans From Banks 0 NCD 0 Securitization 0 Loan from Body Corporates 0 Loan From Banks 0 NBFC / FI 0 Unsecured Loan 0 0 Others 100	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Microfinance Services 74.5 Small & Medium Enterprises (SME) loans 20.2 2 Wheeler Loans 3.5 Others 1.8	-	-

Arman Financial Services Ltd.

Arman Financial Services Ltd.

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