Five-Star Business Finance Limited — PPTs, 28-07-2025: Investor Presentation

**1. Financial Highlights:**

Loan Portfolio (AUM) reached ₹12,458 Cr (+20% YoY). Profit after Tax (PAT) hit ₹266 Cr (+6% YoY). Gross NPAs rose to 2.46% (vs 1.41% previous year), Net NPAs 1.25%. Net Interest Margin (NIM) was 16.43%, RoA 7.24%, RoE 16.57%.

**2. Strategic Initiatives & Growth Drivers:**

Expanded with 19 new branches, totaling 767, emphasizing network growth & increasing average loan ticket sizes. Major tech investments in API, data analytics, and ML models aim for efficiency.

**3. Business Developments:**

Core business: 100% secured loans, primarily to small business owners against residential property. Maintains 100% in-house sourcing & collections. Average new loan ticket size: ₹0.039 Cr.

**4. Market Position & Competitive Advantage:**

Targets underserved market through proprietary underwriting & deep customer insight. Strong 49.15% capital adequacy & AA- credit rating highlight financial strength. Extensive branch network offers a key distribution edge.

**5. Investor Implications:**

Consistent AUM & PAT growth signals positive potential. While rising Gross/Net Stage 3 assets need monitoring, robust provisioning and collection systems are active to mitigate risks.