Tourism Finance Corporation Of India Ltd.

Financial

	Tourism Finance Corp	Paisalo Digital	Indostar Capital Fin
Operational Metrics
Banking Sector
Fresh Slippages - Quarterly	13.01 Crs	n/a	n/a
Net Interest Margin	6.02 %	6.5 %	6.2 %
Yield On Advances	13.12 %	n/a	13.1 %
Capital to Risks Assets Ratio (CRAR)	62.68 %	39.5 %	33.0 %
Tier I Capital	61.28 %	30.4 %	28.46 %
NBFC
AUM - NBFC	1711.67 Crs	5230.2 Crs	7783.0 Crs
Cost of Borrowing	9.63 %	n/a	11.3 %
Gross NPA	0.24 %	0.85 %	4.04 %
Net NPA	0.0	0.68 %	1.68 %
Financials
5 yr Average ROE	9.39 %	9.8 %	-3.36 %
5yr average Equity Multiplier	2.54	3.01	3.12
5yr Average Asset Turnover Ratio	0.11	0.15	0.12
5yr Avg Net Profit Margin	34.53 %	21.97 %	-8.37 %
5yr Avg Net Profit Margin	34.53 %	21.97 %	-8.37 %
5yr CAGR Net Profit	5.08 %	28.12 %	n/a
5yr CAGR Sales	-1.36 %	17.38 %	2.74 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.76	2.3	0.99
P/E	30.76	17.16	5.63
Shareholdings
Promoter Holding	3.85 %	48.21 %	72.98 %
Share Pledged by Promoters	0.0	26.18 %	0.0
Change in Promoter Holding (3 Yrs)	-24.58 %	4.05 %	-16.23 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.26 %	0.0

Business

	Tourism Finance Corp	Paisalo Digital	Indostar Capital Fin
Product Wise Break-Up	Product Wise Break-Up Interest Income 84.85 Net gain on fair value changes 7.83 Fee & Commission income 4.12 Dividend income 0 Financing activities (NBFC) 0 Fees and Commission Income 0 0 0 0 Interest on loans - Loan portfolio 0 Others 3.2	Product Wise Break-Up NBFC 100.0 Fees and Commission Income 0 Interest on loans - Loan portfolio 0 0 Dividend income 0 0 Fee & Commission income 0 0 Net gain on fair value changes 0 Interest Income 0	Product Wise Break-Up Financing activities (NBFC) 0 Fees and Commission Income 5.75 Interest Income 91.58 0 Dividend income 0 Net gain on fair value changes 2.67 Fee & Commission income 0 0 Net gain on fair value changes 0 Interest Income 0
Segment Break-Up	Segment Break-Up Financing and investment business 100.0	-	Segment Break-Up Financing and investment business 0 Others 100
Loan Break-Up	Loan Break-Up Hotels 63.0 Social Infrastructure 2.0 Others 35.0	-	-
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
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-