FACT SHEETS OF NON

BANKING FINANCIAL
INSTITUTUOINS
microfiance institutions

AML

DEBT TO EQUITY RATIO

DEBT TO ASSETS RATIO
CAPITAL ASSET RATIO

13.446
4.004
2.876
9.686
10.664
7.652
6.306
0.736441 0.761013 0.702085 0.758788 0.731852 0.809518 0.683131 0.
0.09704 0.21788 0.27064 0.10224
0.0926 0.12648
0.1487 0

GROSS LOAN PORTFOLIO TO

TOTAL ASSETS
NUMBER OF ACTIVE
BORROWERS

0.83664

ASA IndiaArohan

0.84652

0.84582

Asirvad Asomi

0.84382

0.558985 0.482487 0.467047 0.299299

0.83748

BASIX

0.78394

Bandhan C

0.85438

0.92241 0.785393 0.688854 0.

GROSS LOAN PORTFOLIO

1.278294 0.540469 0.583219 0.571219 1.400443 0.260052 0.86236 0.
AVERAGE LOAN SIZE
0.292803 -0.06209 -0.03637 0.180958 0.259776 -0.09649 0.047912 0.
ROA
0.03728
0.0124 0.03448 0.02802 0.06284 0.01292 0.04702
ROE
0.88712 0.06358 0.11816 0.31092 0.79608 0.11922
0.3556 0
OSS
1.1891 1.07822 1.22942 1.22744 1.54758 1.16948 1.28508 1
FINANCIAL REVENUE TO TOTAL0.2372
ASSETS0.24524 0.27486
0.2138 0.22142 0.15614 0.26032 0
YIELD ON PORTFOLIO
0.25822
0.2827
0.3131 0.22778 0.24674
0.165 0.29492 0
FINANCIAL EXPENSE TO
TOTAL ASSETS
0.09848 0.09824 0.09248 0.08788
0.074 0.08458 0.08302
OPERATING EXPENSE RATIO
OPERATING EXPENSE TO GLP
COST PER BORROWER
PAR

1.09426

0.0257

0.02662

0.072

0.06608

0.04772

0.0421

0.10968
0.1466 0.14918 0.08696 0.07918 0.05884
0.305959 0.064938 0.012189 0.042128 0.118877 -0.10004
0.01876 0.01476
0.0068 0.10396 0.00202 0.03646

0.1178
0.06746
0.00728

0
0

somi

BASIX

Bandhan CReSA

FACT SHEETS OF NON

BANKING FINANCIAL
INSTITUTUOINS
Chaitanyamicrofiance institutions

10.664
7.652
6.306
10.668
5.278 DEBT TO EQUITY RATIO
731852 0.809518 0.683131 0.825039 0.611087 DEBT TO ASSETS RATIO
0.0926 0.12648
0.1487 0.11116 0.33812 CAPITAL ASSET RATIO
GROSS LOAN
PORTFOLIO TO TOTAL
.83748 0.78394 0.85438
0.8236 0.70318 ASSETS
NUMBER OF ACTIVE
.92241 0.785393 0.688854 0.328665 0.533081 BORROWERS
GROSS LOAN
400443 0.260052 0.86236 0.797565 0.730143 PORTFOLIO
259776 -0.09649 0.047912 0.248155
0.0577 AVERAGE LOAN SIZE
.06284 0.01292 0.04702
0.0141 0.00852 ROA
.79608 0.11922
0.3556 0.16274 0.06058 ROE
.54758 1.16948 1.28508 1.09026 1.04632 OSS
.22142 0.15614 0.26032 0.20248 0.25954 FINANCIAL REVENUE TO
.24674
0.165 0.29492 0.22786 0.38634 YIELD ON PORTFOLIO
FINANCIAL EXPENSE TO
0.074 0.08458 0.08302
0.0948 0.07406 TOTAL ASSETS
OPERATING EXPENSE
.06608 0.04772
0.0421 0.08822 0.16492 RATIO
OPERATING EXPENSE TO
.07918 0.05884
0.1178 0.10792 0.26122 GLP
118877 -0.10004 0.06746 0.10792 0.16534 COST PER BORROWER
.00202 0.03646 0.00728
0.001 0.07566 PAR

Disha Microfin
ESAF

Equitas

FFSL

Fu

6.108
8.664
2.014
5.5
0.805183 0.758892 0.581394 0.786952 0.5
0.14862 0.14188
0.3492 0.17374 0.

0.94896
0.563742

0.89378

0.71646

0.86458

0.

0.73372 0.702177 0.843395 0.0

0.729059 1.118854 0.95889 2.027626 0.0

0.086969 0.154347 0.181868 0.28727 -0.
0.01874
0.0265 1.00088 1.01992
0
0.19612
0.1996 -0.00648 -0.0413 0.
1.09528 1.23142 1.00592 0.97698 1.
TOTAL
0.25156 ASSETS
0.2478 0.26058 0.23954 0.
0.25118 0.27704
0.3581 0.26108 0.
0.10446

0.0881

0.08082

0.08748

0.

0.11872

0.11078

0.16982

0.16214

0.

0.13302
0.049446
0.00604

0.13266
0.07584
0.00122

0.24264 0.18948 0.
0.16894 0.277906 0.9
0.03226 0.00748 0.

AF
in

Equitas

FFSL

Fusion Microfinance
GFSPL GOF

FACT SHEETS OF NON

BANKING FINANCIAL
INSTITUTUOINS
Grama Vidiyal
Janalakshmi
Microfinance
L&T
Financial
Finance
Ltd.
microfiance
Services Pvt.
institutions
Ltd.

8.664
2.014
5.5
5.846
4.022
4.778
7.452
3.462
5.502 DEBT TO EQUITY RATIO
58892 0.581394 0.786952 0.579367 0.759545 0.778572 0.727595 0.628772 0.757997 DEBT TO ASSETS RATIO
14188
0.3492 0.17374 0.20208 0.22486 0.18622 0.12388 0.24854 0.18778 CAPITAL ASSET RATIO
GROSS LOAN
PORTFOLIO TO TOTAL
89378 0.71646 0.86458 0.89318 0.87098
0.6829 0.83496 0.88628 0.94516 ASSETS
NUMBER OF ACTIVE
73372 0.702177 0.843395 0.083463 0.08656 1.150454 0.300908 1.205194 0.228682 BORROWERS
GROSS LOAN
18854 0.95889 2.027626 0.049132 0.118556 0.749676 0.44487 1.371914 0.252135 PORTFOLIO
54347 0.181868 0.28727 -0.01649 0.014093 -0.12927 0.112567 0.049087 0.100187 AVERAGE LOAN SIZE
0265 1.00088 1.01992
0.0397
0.0014 0.01078 0.02732 0.02742 0.03912 ROA
1996 -0.00648 -0.0413 0.30298 0.00644 0.06454 0.21634
0.1268 0.28002 ROE
23142 1.00592 0.97698 1.63328 1.03584 0.87154
1.2613
1.2265 1.27286 OSS
ETS
2478 0.26058 0.23954 0.15272 0.11186 0.17402 0.21678 0.23918 0.21982 FINANCIAL REVENUE TO
27704
0.3581 0.26108 0.16564 0.12502 0.28616
0.248 0.25112 0.22748 YIELD ON PORTFOLIO
FINANCIAL EXPENSE TO
0881 0.08082 0.08748 0.06892
0.0824 0.09458 0.21678
0.0798 0.10534 TOTAL ASSETS
OPERATING EXPENSE
11078 0.16982 0.16214 0.02782
0.0243 0.03594 0.04876 0.10276
0.1659 RATIO
OPERATING EXPENSE TO
13266 0.24264 0.18948 0.03134 0.02808 0.14646 0.09116 0.11928 0.07142 GLP
07584 0.16894 0.277906 0.962465 -0.03563 -0.15234 -0.01953 0.099136 0.154457 COST PER BORROWER
00122 0.03226 0.00748 0.01444 0.08282 0.05986 0.13186
0.0016 0.002912 PAR

MM

3
0.723
0.22

0.84

0.860

0.689
0.1
0.01
0.1
1.12
TOT
0.25
0.28

0.09

0.13

0.18
0.260
0.00

T SHEETS OF NON
NKING FINANCIAL
TITUTUOINS
ecServices
rofiance Pvt.
institutions
Ltd.

T TO EQUITY RATIO
T TO ASSETS RATIO
ITAL ASSET RATIO
SS LOAN
TFOLIO TO TOTAL
ETS
MBER OF ACTIVE
ROWERS
SS LOAN
TFOLIO
RAGE LOAN SIZE
A

MMFL

Mimo Finance
Nano

SCNL

SHARE SKS

3.894
10.88
4.066
3.682
24.434
0.723303 0.705183 0.769139 0.731101 0.491286
0.22986 0.12178 0.20934
0.2387 0.38302

0.84824
0.860041

1.02202

0.87058

0.90618

0.62188

SVCL

Trident Microfinance
Sahayata Saij

10.414
3.004
4.022
2.108
0.6033 0.700461 0.759545 0.511773 0.757
0.2079 0.25634 0.22486 0.36166 0.17

0.88654

0.86782

0.45251 -0.01484 0.613748 1.382282 0.270174 -0.03765

0.87098

0.80648

0.74

0.08656 1.393527 0.426

0.689793 0.734614 0.10522 1.250242 1.779946 0.32986 0.155089 0.118556 2.066884 0.644
0.1171 0.177329 -0.00727
0.084 0.147226 0.079352 0.070573 0.014093 0.105151 0.115
0.01514 0.04082 0.00678
0.0446
1.0001 0.02954
0.0258
0.0014 0.06188 0.03
0.1416 0.35598 0.02636 0.17136 0.28386
0.3035
0.105 0.00644 -0.18036 0.28
1.12658 1.43042 1.08134 1.29566 0.38786 1.23744
1.2575 1.03584 0.83982 1.25
ANCIAL REVENUE TO TOTAL
0.25174 ASSETS
0.22882 0.12636
0.2964 0.20804 0.21664 0.16548 0.11186 0.23594 0.21
LD ON PORTFOLIO
0.28494
0.2082 0.13914 0.32614 0.33198
0.2309 0.17938 0.12502 0.31326 0.24
ANCIAL EXPENSE TO
AL ASSETS
0.09002
0.0931
0.0795
0.0984 0.14554
0.1864 0.08674
0.0824 0.04268 0.07
RATING EXPENSE
IO
0.13968 0.15922 0.03068 0.12522 0.67566 0.18818
0.0352
1.0243 0.25116 0.10
RATING EXPENSE TO
0.18248 0.05892 0.03558 0.14092 0.34072
0.099
0.041 0.02808 0.36496 0.12
T PER BORROWER
0.260501 0.160135 0.02358 -0.01792 -0.08884 0.184526 1.098694 -0.03563 -0.16027 0.086
0.00412
0.1211 0.05804 0.00338 0.00948 0.00424 0.03002 0.08282 0.00398 0.00

Trident Microfinance
Sahayata Saija

FACT SHEETS OF NON

BANKING FINANCIAL
INSTITUTUOINS
microfiance institutions

004
4.022
2.108
6.46 DEBT TO EQUITY RATIO
461 0.759545 0.511773 0.757833 DEBT TO ASSETS RATIO
634 0.22486 0.36166 0.17058 CAPITAL ASSET RATIO
GROSS LOAN
PORTFOLIO TO TOTAL
782 0.87098 0.80648 0.74882 ASSETS
NUMBER OF ACTIVE
765 0.08656 1.393527 0.426642 BORROWERS
GROSS LOAN
089 0.118556 2.066884 0.644239 PORTFOLIO
573 0.014093 0.105151 0.115539 AVERAGE LOAN SIZE
258
0.0014 0.06188 0.03502 ROA
105 0.00644 -0.18036 0.28056 ROE
575 1.03584 0.83982 1.25074 OSS
548 0.11186 0.23594 0.21546 FINANCIAL REVENUE TO
938 0.12502 0.31326 0.24334 YIELD ON PORTFOLIO
FINANCIAL EXPENSE TO
674
0.0824 0.04268 0.07274 TOTAL ASSETS
OPERATING EXPENSE
352
1.0243 0.25116 0.10978 RATIO
OPERATING EXPENSE TO
041 0.02808 0.36496 0.12204 GLP
694 -0.03563 -0.16027 0.086836 COST PER BORROWER
002 0.08282 0.00398 0.00928 PAR

SarvodayaSonata
Nano Finance
Spandana Ujjivan

VFS

7.23
5.908
12.25
3.004
12.102
0.660982 0.846924 0.604038 0.700461 0.771904
0.21808 0.14652 0.07634 0.25634 0.09222

0.72248

1.00028

0.6774

0.86782

0.8853

0.289271 0.088387 0.171921 -0.03765 0.522122

0.398501 0.288335 0.433903 0.155089 0.804438
0.102289 0.186055 0.177752 0.070573 -0.00784
0.02018 0.01568
0.0156
0.0258 0.04132
0.19622 0.11254 0.20812
0.105 0.54858
1.10086 1.11314 1.03576
1.2575 1.28852
TOTAL
0.24986 ASSETS
0.15568 0.45472 0.16548 0.23886
0.32466 0.15152
0.6119 0.17938
0.2665
0.0849

0.07446

0.0986

0.08674

0.08348

0.1316

0.14006

0.33774

0.0352

0.0781

0.1847
0.18573
0.0252

0.04042 0.52404
0.041 0.08854
0.37209 0.071866 -1.00425 -0.05455
0.0602 0.00818 0.03002 0.09768

ana Ujjivan

VFS

25
3.004
12.102
38 0.700461 0.771904
34 0.25634 0.09222

74

0.86782

0.8853

21 -0.03765 0.522122

03 0.155089 0.804438
52 0.070573 -0.00784
56
0.0258 0.04132
12
0.105 0.54858
76
1.2575 1.28852
72 0.16548 0.23886
19 0.17938
0.2665

86

0.08674

0.08348

74

0.0352

0.0781

04
0.041 0.08854
66 -1.00425 -0.05455
18 0.03002 0.09768