Manba Finance Ltd.

Financial

	Manba Finance	CSL Finance	MKVentures Cap
Operational Metrics
Banking Sector
Gross NPA	3.23 %	n/a	n/a
Net NPA	2.45 %	n/a	n/a
NBFC
Tier I Capital	25.17 %	n/a	n/a
AUM - NBFC	1331.4 Crs	1157.0 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	25.17 %	47.0 %	n/a
Yield On Advances	23.9 %	n/a	n/a
Financials
5 yr Average ROE	12.47 %	11.32 %	34.22 %
5yr average Equity Multiplier	4.62	1.72	4.21
5yr Average Asset Turnover Ratio	0.19	0.16	0.42
5yr Avg Net Profit Margin	14.54 %	40.71 %	48.84 %
5yr Avg Net Profit Margin	14.54 %	40.71 %	48.84 %
5yr CAGR Net Profit	37.77 %	23.04 %	36.67 %
5yr CAGR Sales	32.47 %	22.27 %	24.08 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.82	1.28	6.22
P/E	17.81	9.59	67.42
Shareholdings
Promoter Holding	74.98 %	47.56 %	74.36 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-3.77 %	-9.3 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	Manba Finance	CSL Finance	MKVentures Cap
Product Wise Break-Up	Product Wise Break-Up Two Wheeler 89.57 Personal Loan 0.71 Three Wheeler 0.61 Used Two Wheeler 0.38 Small Business Loan 0.19 Used Car Loan 0.02 Fees & Commission Income 0 Loans written off earlier now recovered 0 Processing Fees Wholesale 0 Processing Fees SME 0 Processing Fees Retail 0 Interest 0 0 Others 8.52	Product Wise Break-Up Small Business Loan 0 Used Car Loan 0 Loans written off earlier now recovered 1.78 Processing Fees Wholesale 0 Two Wheeler 0 0 Interest Income 93.82 Used Two Wheeler 0 Personal Loan 0 Fee Income 4.4 Processing Fees Retail 0 Three Wheeler 0 Processing Fees SME 0	Product Wise Break-Up Small Business Loan 0 Used Car Loan 0 Loans written off earlier now recovered 0 Processing Fees Wholesale 0 Two Wheeler 0 Fund based activities including investment activities (NBFC) 100.0 Interest 0 Used Two Wheeler 0 Personal Loan 0 Fees & Commission Income 0 Processing Fees Retail 0 Three Wheeler 0 Processing Fees SME 0
Location Wise Break-Up	Location Wise Break-Up Maharashtra 69.4 Gujarat 24.03 Rajasthan 3.58 Chhattisgarh 2.84 Madhya Pradesh 0.15 India 0 Domestic 0	Location Wise Break-Up India 100.0 Madhya Pradesh 0 Maharashtra 0 Rajasthan 0 Domestic 0 Chhattisgarh 0 Gujarat 0	Location Wise Break-Up India 0 Madhya Pradesh 0 Maharashtra 0 Rajasthan 0 India 100.0 Chhattisgarh 0 Gujarat 0
Borrowings Break-Up	Borrowings Break-Up NBFCs and Financial Institutions 33.19 Non-Convertible Debentures 21.57 Banks 21.43 PTC 17.25 Working Capital Demand Loan 5.76 Commercial Papers 0 Term Loan from Bank 0 Loans repayable on demand 0 Others 0.8	Borrowings Break-Up Banks 0 Commercial Papers 0 Working Capital Demand Loan 0 Non-Convertible Debentures 0 Loan From Banks 59.51 PTC 0 NBFCs and Financial Institutions 0 Loans repayable on demand from banks 2.82 Others 37.67	-
AUM Break-Up	AUM Break-Up New Vehicle Loans 97.9 Personal Loans 0.78 Small Business Loan 0.75 Used Vehicle Loans 0.3 Others 0.27	-	-
NPA Break-Up	NPA Break-Up Two wheeler 87.21 Top-up loans 11.06 Used Two Wheeler 1.64 Three Wheeler 0.09 Small business loan 0 Personal Loans 0 Used Car 0	-	-

Manba Finance Ltd.

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