CSL Finance Limited — PPTs, 11-02-2025: Investor Presentation

**Financial Highlights:** CSL Finance reported a 22% year-on-year increase in Assets Under Management (AUM) to ₹1,150 Cr and a 14% rise in disbursements to ₹280 Cr compared to the previous year. Net Interest Income (NII) increased by 5% to ₹35.4 Cr, with a marginal change in Profit After Tax (PAT) at ₹16.8 Cr. The loan book remains resilient, with collection efficiency at 99%, supported by robust asset quality marked by a gross NPA of 0.38% and a net NPA of 0.23%.

**Strategic Initiatives and Growth Drivers:** The Company has fortified its underwriting processes in the SME Retail segment amid challenging conditions. It is focusing on expanding the wholesale lending segment while planning to shift the AUM mix back towards SME Retail. Recent additions of lending partners enhance the lending capacity and diversify funding sources.

**Business Developments:** CSL Finance has successfully opened a new branch, growing its operational presence to 43 branches, with an emphasis on generating business from these locations while exploring further strategic expansions in the upcoming fiscal year.

**Market Position and Competitive Advantage:** With a strong emphasis on risk management and conservative provisioning practices, CSL Finance is poised for sustainable growth. The recent reaffirmation of its credit rating at A- Stable supports access to capital at competitive rates, while its diversified offerings cater effectively to the unbanked segments.

**Investor Implications:** The positive outlook indicates potential growth driven by strategic focus on the SME Retail segment and an increase in lending partnerships, supported by a strong capital base and liquidity position. Investors should monitor the company's branch expansion and risk management initiatives closely.