L&T Finance Ltd.

Financial

	L&T Finance	Sundaram Finance	Mah & Mah Finl. Serv
Operational Metrics
Asset Management Sector
AUM - Mutual Funds	72603.11 Crs	71959.85 Crs	30717.79 Crs
% of AUM in equity fund	59.68 %	72.26 %	81.68 %
5 Yr AUM CAGR - Mutual Funds	12.95 %	18.42 %	41.53 %
Banking Sector
Net Interest Margin	8.24 %	4.8 %	6.7 %
NBFC
Gross NPA	3.31 %	1.26 %	3.8 %
Net NPA	0.99 %	0.63 %	1.9 %
AUM - NBFC	102314.0 Crs	43987.0 Crs	122008.0 Crs
Cost To Income Ratio	41.3 %	34.69 %	40.8 %
Cost of Borrowing	7.68 %	6.3 %	n/a
Capital to Risks Assets Ratio (CRAR)	20.68 %	20.5 %	20.6 %
Tier I Capital	19.54 %	16.8 %	17.9 %
Unclassified
Yield On Advances	14.8 %	n/a	n/a
Financials
5 yr Average ROE	7.66 %	13.32 %	8.6 %
5yr average Equity Multiplier	4.96	5.92	5.74
5yr Average Asset Turnover Ratio	0.12	0.11	0.13
5yr Avg Net Profit Margin	12.53 %	21.2 %	11.45 %
5yr Avg Net Profit Margin	12.53 %	21.2 %	11.45 %
5yr CAGR Net Profit	22.18 %	12.65 %	23.95 %
5yr CAGR Sales	2.37 %	8.89 %	8.9 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.97	3.85	1.67
P/E	18.9	27.03	15.68
Shareholdings
Promoter Holding	66.16 %	37.22 %	52.49 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.07 %	-1.27 %	0.33 %
Change in Mutual Fund Holding (3 Yrs)	7.22 %	-7.07 %	7.82 %

Business

	L&T Finance	Sundaram Finance	Mah & Mah Finl. Serv
Segment Break-Up	Segment Break-Up Retail Business 85.78 Wholesale Business 11.84 Defocused business 0.48 Infrastructure finance 0 Housing business 0 Rural business 0 Insurance 0 Asset Financing 0 Others 1.9	Segment Break-Up Rural business 0 Wholesale Business 0 Defocused business 0 Insurance 0 Retail Business 0 Asset Financing 91.04 Housing business 0 Infrastructure finance 0 Others 8.96	-
Loan Break-Up	Loan Break-Up Home loans 19.74 Farm Equipment 15.4 2 Wheeler Loans 12.05 Loan Against Property 6.12 Infrastructure Finance 1.29 Real Estate Loans 1.15 Infra Debt Fund (IDF) 0 Consumer Loans 0 Micro Loans 0 0 0 Trade Advances 0 Bills of exchange 0 Loans under housing finance business 0 0 Retail loans 0 Others 44.25	-	Loan Break-Up Consumer Loans 0 0 2 Wheeler Loans 0 Infra Debt Fund (IDF) 0 Micro Loans 0 Trading 2.51 Loans under housing finance business 5.88 Real Estate Loans 0 0 Bills of exchange 1.04 Loan Against Property 0 Small & Medium Enterprises (SME) loans 3.78 Infrastructure Finance 0 Home loans 0 Farm Equipment 0 Consumer Finance 85.94 Others 0.85
Loan Break-Up	Loan Break-Up Home loans 19.74 Farm Equipment 15.4 2 Wheeler Loans 12.05 Loan Against Property 6.12 Infrastructure Finance 1.29 Real Estate Loans 1.15 Infra Debt Fund (IDF) 0 Consumer Loans 0 Micro Loans 0 0 0 Trade Advances 0 Bills of exchange 0 Loans under housing finance business 0 0 Retail loans 0 Others 44.25	-	Loan Break-Up Consumer Loans 0 0 2 Wheeler Loans 0 Infra Debt Fund (IDF) 0 Micro Loans 0 Trading 2.51 Loans under housing finance business 5.88 Real Estate Loans 0 0 Bills of exchange 1.04 Loan Against Property 0 Small & Medium Enterprises (SME) loans 3.78 Infrastructure Finance 0 Home loans 0 Farm Equipment 0 Consumer Finance 85.94 Others 0.85
Location Wise Break-Up	Location Wise Break-Up India 0 East India 0 West India 0 North India 0 South India 0 Central India 0 Others 100	Location Wise Break-Up West India 12.3 India 0 East India 4.3 North India 27.4 Central India 0 South India 56.0	Location Wise Break-Up West India 18.0 India 0 East India 20.0 North India 33.0 Central India 10.0 South India 19.0
Operating Profit Break-Up	Operating Profit Break-Up Others 100	-	-
Borrowings Break-Up	Borrowings Break-Up Bank Loan 48.0 NCD 30.0 ECB 8.0 Commercial Papers 8.0 NCD 1.0 WC Loans 0 NHB 0 Comercial paper 0 Securitisation Deposits 0 Bank Borrowing 0 Debenture 0 Loans repayable on demand 0 Loans from corporates 0 Term loans 0 Others 5.0	Borrowings Break-Up WC Loans 0 Commercial Papers 0 NCD 0 Loans from corporates 0 Comercial paper 4.1 Term loans 0 Securitisation 10.4 ECB 0 NHB 0 Debenture 32.3 Loans repayable on demand 0 Bank Borrowing 39.0 Bank Loan 0 Others 14.2	Borrowings Break-Up WC Loans 0 Commercial Papers 0 NCD 0 Loans from corporates 0 Comercial paper 0 Loan From Banks 99.95 Securitisation Deposits 0 ECB 0 NHB 0 Debenture 0 Loans repayable on demand from banks 0.04 Bank Borrowing 0 Bank Loan 0 Others 0.01
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	Asset Break-Up - Segment Wise Others 100
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 60.5 Debt 25.22 Liquid/ Money Market 13.94 ETF 0 Balanced schemes 0 FMP 0 Gilt 0 EQUITY 0 Others 0.34	AUM Break-Up - Asset Management ETF 0 EQUITY 74.35 Debt 7.34 FMP 0 Balanced schemes 7.25 Gilt 0 Equity 0 Liquid/ Money Market 10.84 Others 0.22	AUM Break-Up - Asset Management ETF 0 Equity 81.68 Debt 5.33 FMP 0 Balanced schemes 8.67 Gilt 0 Equity 0 Liquid/ Money Market 4.22 Others 0.1

L&T Finance Ltd.

SIGN UP FOR FREE