NBFC

Financial Ratios (Rs. in Lakhs)

Audited Audited Audited Unaudited
Particulars 31/Mar/21 31/Mar/22 31/Mar/23 31/Mar/24
Sales - - - -
Sales growth Rate - #DIV/0! #DIV/0! #DIV/0!

EBIDTA - - - -
EBIDTA Margin #DIV/0! #DIV/0! #DIV/0! #DIV/0!

EBIT - - - -
EBIT Margin #DIV/0! #DIV/0! #DIV/0! #DIV/0!

PBT - - - -
PBT Margin #DIV/0! #DIV/0! #DIV/0! #DIV/0!

PAT - - - -
PAT Margin #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Stock/Turnover Ratio #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Debtors/Turnover Ratio #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Trade Receivables #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Trade Payables #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Interest coverage Ratio #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Current ratio #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Quick Ratio #DIV/0! #DIV/0! #DIV/0! #DIV/0!
Cash Ratio #DIV/0! #DIV/0! #DIV/0! #DIV/0!

Operating Profit - - - -
Capital Employed - - - -
ROCE % #DIV/0! #DIV/0! #DIV/0! #DIV/0!
NBFC
Annexure I
Balance Sheet Audited Audited
Particulars 31/Mar/21 31/Mar/22
Sources of Funds:
Share Capital
Reserves & Surplus
Equity Infusion

Non Current Liabilities

Long Term Borrowings
Deferred Tax Liabilities, net
Other Long Term Liabilities
Long Term Provisions

Current Liabilities
Short Term Borrowings
Trade Payables
Due to Micro and Small Enterprises
Due to Others
Other Current Liabilities
Short Term Provisions

TOTAL - -

Applications of Funds:
Non-Current Assets
Fixed Assets
Property, Plant and Equipment
Intangible Assets
Right-of-use Asset
Intangible Asset WIP
Current Tax Assets
Non-current Investments
Deferred tax asset(Net)
Long Term Loans & Advances
Other Non-current Assets

Current Assets
Current Investments
Inventories
Trade Receivables
Cash and Bank Balances
Short-term loans & advances
Other Current Assets
TOTAL - -
 NBFC 100,000
Annexure II
Profit and Loss Account Audited Audited
Particulars 31-Mar-21 31-Mar-22
Incomes:
Revenue From operations
Income From operations - -

Other Income

(A) - -
Expenditure:
Cost of Material Consumed
Changes in inventories of FG, WIP and Stock-in Trade
Employees Benefits Expense
Finance Cost
Other Expenses
PBDT - -

Depreciation & Amortization

Depreciation & Amortization

- -

Exceptional Items - -

Profit / (Loss) before tax - -

Less: Deferred Tax provision

Less: Current Tax provision
Less: Current Tax Adjustments for Earlier
Years

Profit / (Loss) for the year - -

NBFC

Company Profile:

Global Competitors / Peer Companies: Ratio analysis

Debt Equity
Sr No. Name Revenue Net Worth Ratio Debt Ratio

1 Moneyboxx Finance Ltd 5,044.03 7,639.82 3.12:1 71.69%

2 Crest Ventures Ltd 65,054.53 97,841.03 0.18:1 15.02%

3 Capital Trust Ltd 8,601.03 7,453.85 1.29:1 51.11%

4 Niyogin Finance Ltd 10,867.29 27,255.81 0:1 0.02%

5 CSL Finance Ltd 11,723.68 36,251.97 1.13:1 52.40%

6 Mangal Credit & Fincorp Ltd 2,139.98 11,194.33 0.77:1 42.28%

7 Transwarranty Finance Ltd 1,082.87 2,921.54 1.06:1 29.22%

8 Starteck Finance Ltd 2,635.54 17,950.63 1.01:1 47.03%

9 Kalyan Capitals Ld 1,985.05 4,096.16 2.33:1 66.88%

10 Arman Financial Services Ltd 42,390.12 36,569.05 4.39:1 78.72%

Mean 15,152.41 24,917.42 1.93:1 45.44%

Median 6,822.53 14,572.48 2.01:1 49.07%
Maximum 65054.53 65054.53 4.39:1 65054.53
Minimum 1082.87 1082.87 0:1 1082.87
Ratio analysis

Yield on Earning Revenue/Debt

Cost of Funds assets Ratio

9.11% 20.56% 21.19%

6.43% 91.67% 365.93%

 22.54% 213.71% 89.67%

1168.14% 134.47% 155247.00%

6.65% 16.21% 28.73%

5.08% 12.27% 24.93%

18.06% 31.31% 34.90%

5.18% 10.31% 14.59%

13.93% 14.71% 20.76%

10.72% 27.24% 26.42%

10.86% 48.67% 69.68%

9.11% 20.56% 26.42%
22.54% 213.71% 365.93%
5.08% 10.31% 14.59%
 Brief description Website

Moneyboxx Finance Limited an Indian Company incorporated on November

16, 1994, under the provisions of Companies Act, 1956, having its registered
office at New Delhi. The Company is registered with the Reserve Bank of India
(“RBI”) as a Non-Systemically Important Non-Deposit Taking Non-Banking
Financial Company (NBFC) and the Company is also listed on Main Board of
Bombay Stock Exchange Ltd. (BSE), Mumbai. The Company is engaged in
lending and allied activities. The Company focuses on small and medium-sized [Link]
enterprises (SME) lending, commercial lending, and value-added services.

Crest Ventures Limited (“the Company”) is a public limited company domiciled

and incorporated in India under the Companies Act, 1956. The registered
office of the Company is located at 111, 11th Floor, Maker Chambers IV,
Nariman Point, Mumbai 400021, Maharashtra, India. The Company is listed on
the BSE Limited (“BSE”) and the National Stock Exchange of India Limited
(“NSE”). The Company is a Non-deposit taking Systemically Important Non-
Banking Financial Company (“NBFC”) registered with the eserve Bank of India [Link]
(“RBI”) and engaged in the business of real estate and related services,
financial services and investment and credit.
Capital Trust Limited is a public Company incorporated in India under the
provisions of the erstwhile Companies Act, 1956. The Company is a
Non Deposit taking-Systemically Important (ND-SI) registered with the Reserve
Bank of India ('RBI') and engaged in the business of providing [Link]
loan to Small and Micro Enterprises. Equity Shares of the Company are listed
on BSE Limited (BSE), India and National stock exchange of India
limited

Niyogin Fintech Limited (‘the Company’) is a non-deposit taking non-

systemically important Non-Banking Financial Company and pursuant to
change of Reserve Bank of India (“RBI”) jurisdiction has been issued a new
certificate of registration dated 16 April, 2021 bearing registration number B- [Link]
07.00874.

The Company is engaged in the business of providing the finance facilities to

small and medium size business units to fulfil their financial needs. The
complete business of CSL can be classified into two broader segments of SME
business and Wholesale business. SME business is mainly focused on micro
and small business loans to various business entities, which is secured mostly [Link]
against self-occupied Residential or Commercial properties.

Mangal Credit & Fincorp Limited (the company) is a public company domiciled
in India and incorporated under the Companies Act, 2013 whose Corporate
Identity No. is L65990MH- 1961PLC012227. The Company is Non Systemically
Important Non Deposit Taking NBFC (NBFC-NDNon SI) vide circular no.
RBI/DNBR/2016-17/44DNBS (PD).007/03.10.119/2016-17 dated September
01, 2016. Its shares are listed on Bombay Stock Exchange (BSE). Company is [Link]
engaged in business of providing various type of loans to different type of
customers.

Transwarranty Finance Limited (‘the Parent Company’), incorporated in India,

is a public limited company, headquartered in [Link] Parent Company is
a full service Financial & Capital Market Services Company, providing a wide
range of services to over 1,000 Large, Small and Medium companies and [Link]
thousands of retail clients all over India, since 1994.

Starteck Finance Limited is a public company inorporated in India under the

provision of erstwhile companies Act 1956. The company is a Non-Deposit
taking, Non-Systemically Important (“ND-NSI”) registered with Reserve Bank of
India (RBI) and engaged in the the lending and investment. Equity Shares of [Link]
the Company are listed on BSE Limited & NSE Limited, India.

Kalyan Capitals Ltd. is an RBI registered NBFC, promoted with a primary

purpose of meeting the various financing needs of the Indian businesses
through its diversified product offerings. Its lending portfolio presently [Link]
encompasses MSMEs and retail sector.
Arman Financial Services Limited (the “Holding Company”) together with its
subsidiary Namra Finance Limited (herein after referred to as the “Company”)
are public companies domiciled in India. The Holding Company is registered as
a deposit taking non-banking finance company (“NBFC”) with Reserve Bank of
India (“RBI”). Namra Finance Limited is registered as a non-deposit taking
Micro Finance Institution (“NBFC-MFI”) with Reserve Bank of India (“RBI”). The [Link]
Group is engaged in the business of providing Small and Medium Enterprise
loans (“SME”), Two-Wheeler loans (“TW”) and Micro Finance JLG Loans.
Remarks
NBFC
Brief Profile

Website Link -
NBFC
Capital Structure - As on March 31, 2024

[Link] Particulars No of Shares Face Value Amount

1 Equity Share Capital - 10 -
NBFC
Financial Summary
(Rs. in Lakhs)
Sr No. Particulars FY 2023-24 FY 2022-23 FY 2021-22
1 Revenue 0.00 0.00 0.00
Revenue Growth (%) #DIV/0! #DIV/0! -

2 Finance Cost 0.00 - -

As a % of Revenue #DIV/0! #DIV/0! #DIV/0!

3 PAT - - -
PAT Margins (%) #DIV/0! #DIV/0! #DIV/0!

4 No of shares - - -
5 EPS (annulised) #DIV/0! #DIV/0! #DIV/0!

7 Tax 0 0 0
8 Depreciation & Amortisation - - -

9 EBITDA - - -
EBITDA Margins (%) #DIV/0! #DIV/0! #DIV/0!
 (Rs. in Lakhs)
Sr No. Particulars FY 2023-24 FY 2022-23 FY 2021-22
1 Net Worth - - -
2 Total Assets - - -

3 Loans and advances

4 Investments
5 Total earning assets - - -
% of Total Assets #DIV/0! #DIV/0! #DIV/0!

6 Interest Expenses - - -

7 O/S Non-Convertible Debentures (NCDs)

As a % of Total Debt #DIV/0! #DIV/0! #DIV/0!

8 Inter-Corporate Deposists (ICDs)

As a % of Total Debt #DIV/0! #DIV/0! #DIV/0!

9 Loans from Bank

As a % of Total Debt #DIV/0! #DIV/0! #DIV/0!

10 Other Debt (i.e, Loan from shareholders,OCDs,CCDs)

11 Total Debt - - -

12 Debt Equity Ratio #DIV/0! #DIV/0! #DIV/0!

13 DSCR #DIV/0! - -
13 Debt Ratio #DIV/0! #DIV/0! #DIV/0!
14 Cost of Funds #DIV/0! #DIV/0! #DIV/0!
15 Yield on Earning assets #DIV/0! #DIV/0! #DIV/0!
16 Revenue/Debt Ratio #DIV/0! #DIV/0! #DIV/0!