CSL Finance Ltd.

Financial

	CSL Finance	MKVentures Cap	Kiran Vyapar
Operational Metrics
Banking Sector
Net Interest Margin	14.0 %	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	47.0 %	n/a	n/a
NBFC
AUM - NBFC	1157.0 Crs	n/a	n/a
Gross NPA	0.46 %	n/a	n/a
Net NPA	0.34 %	n/a	0.01 %
Financials
5 yr Average ROE	11.32 %	34.22 %	4.2 %
5yr average Equity Multiplier	1.72	4.21	1.13
5yr Average Asset Turnover Ratio	0.16	0.42	0.07
5yr Avg Net Profit Margin	40.71 %	48.84 %	49.33 %
5yr Avg Net Profit Margin	40.71 %	48.84 %	49.33 %
5yr CAGR Net Profit	23.04 %	36.67 %	n/a
5yr CAGR Sales	22.27 %	24.08 %	2.91 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.28	6.22	0.28
P/E	9.59	67.42	9.91
Shareholdings
Promoter Holding	47.56 %	74.36 %	74.96 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.77 %	-9.3 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	CSL Finance	MKVentures Cap	Kiran Vyapar
Product Wise Break-Up	Product Wise Break-Up Interest Income 93.82 Fee Income 4.4 Loans written off earlier now recovered 1.78 Processing Fees Wholesale 0 Processing Fees SME 0 Processing Fees Retail 0 0 Generation based incentives 0 Sale of power 0 Sale of services 0 Sale of goods 0 Net gain on fair value changes 0 Dividend income 0 Interest income 0	Product Wise Break-Up Interest Income 0 Sale of services 0 Sale of power 0 Sale of goods 0 Loans written off earlier now recovered 0 Net gain on fair value changes 0 Processing Fees Wholesale 0 Fund based activities including investment activities (NBFC) 100.0 Dividend income 0 Generation based incentives 0 Fee Income 0 Interest income 0 Processing Fees Retail 0 Processing Fees SME 0	Product Wise Break-Up Interest Income 0 Sale of services 0 Sale of power 0 Sale of goods 0 Loans written off earlier now recovered 0 Net gain on fair value changes 0 Processing Fees Wholesale 0 0 Dividend 8.28 Generation based incentives 0 Fee Income 0 Interest Income 54.61 Processing Fees Retail 0 Processing Fees SME 0 Others 37.11
Loan Break-Up	Loan Break-Up Wholesales Book 66.0 Small & Medium Enterprises (SME) loans 34.0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Domestic 0	Location Wise Break-Up India 0 India 100.0	Location Wise Break-Up India 100.0 Domestic 0
Retail Loan Break-Up - NBFC	Retail Loan Break-Up - NBFC Rajastan 30.0 Gujarat 27.0 Haryana 13.0 Punjab 13.0 Uttar Pradesh 9.0 Uttarakhand 6.0 Delhi 1.0 Others 1.0	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 59.51 Loans repayable on demand from banks 2.82 Others 37.67	-	-

CSL Finance Ltd.

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