Paisalo Digital Ltd.

Financial

	Paisalo Digital	Tourism Finance Corp	PTC India Fin. Serv
Operational Metrics
Banking Sector
Net Interest Margin	6.5 %	5.07 %	4.63 %
NBFC
AUM - NBFC	5230.2 Crs	1693.57 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	39.5 %	69.7 %	64.96 %
Tier I Capital	30.4 %	69.18 %	58.12 %
Gross NPA	0.85 %	3.22 %	8.46 %
Net NPA	0.68 %	1.61 %	4.74 %
Financials
5 yr Average ROE	8.6 %	9.39 %	5.67 %
5yr average Equity Multiplier	2.93	2.54	3.6
5yr Average Asset Turnover Ratio	0.15	0.11	0.1
5yr Avg Net Profit Margin	19.67 %	34.53 %	18.7 %
5yr Avg Net Profit Margin	19.67 %	34.53 %	18.7 %
5yr CAGR Net Profit	27.02 %	5.08 %	53.34 %
5yr CAGR Sales	11.94 %	-1.36 %	-10.66 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.79	2.16	0.94
P/E	13.37	25.26	8.33
Shareholdings
Promoter Holding	48.21 %	3.85 %	64.99 %
Share Pledged by Promoters	26.18 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	4.05 %	-24.58 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.26 %	0.0	2.13 %

Business

	Paisalo Digital	Tourism Finance Corp	PTC India Fin. Serv
Product Wise Break-Up	Product Wise Break-Up NBFC 100.0 Net gain/(loss) on fair value changes 0 Fees & commission income 0 Dividend income 0 Interest income 0 Sale of Power 0 Fee and commission income 0 Interest Income 0	Product Wise Break-Up Dividend income 0 Fee & Commission income 3.62 Net gain on fair value changes 13.16 Interest Income 83.22 Sale of Power 0 NBFC 0 Fee and commission income 0 Interest Income 0	Product Wise Break-Up Dividend income 0 Fees & commission income 0 Net gain/(loss) on fair value changes 0 Interest income 0 Sale of power 0.39 NBFC 0 Fee and commission income 0.75 Interest Income 94.58 Others 4.28
Product Wise Break-Up	Product Wise Break-Up NBFC 100.0 Net gain/(loss) on fair value changes 0 Fees & commission income 0 Dividend income 0 Interest income 0 Sale of Power 0 Fee and commission income 0 Interest Income 0	Product Wise Break-Up Dividend income 0 Fee & Commission income 3.62 Net gain on fair value changes 13.16 Interest Income 83.22 Sale of Power 0 NBFC 0 Fee and commission income 0 Interest Income 0	Product Wise Break-Up Dividend income 0 Fees & commission income 0 Net gain/(loss) on fair value changes 0 Interest income 0 Sale of power 0.39 NBFC 0 Fee and commission income 0.75 Interest Income 94.58 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	-	Borrowings Break-Up Loan From Banks 0 ECB 0.58 Bonds/Debentures 0 Loans repayable on demand from banks 0 Loans from related parties 0 Commercial Papers 0 Loan From Banks 98.84 Others 0.58

Paisalo Digital Ltd.

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