Five-Star Business Finance Limited — PPTs, 25-07-2026: Investor Presentation

Five-Star Business Finance reported strong financial results for the quarter.

1. **Business Performance:** Loan disbursements hit a record ₹1,496.4 Cr, surging 23% QoQ and 16% YoY. The total loan portfolio grew 4% QoQ to ₹13,721.8 Cr. Profit after tax rose 2% YoY to ₹271.4 Cr. Gross NPA increased slightly to 3.46%, but 30+ DPD improved to 12.38%. Collection efficiency remains robust at 97.9%. Andhra Pradesh (36%) and Tamil Nadu (28%) lead portfolio distribution.

2. **Growth Drivers & Strategy:** The company expanded its network with 12 new branches, now totaling 856, primarily targeting smaller towns. A key focus is leveraging technology for loan origination, risk analysis, and achieving 86% digital collections. They continue serving underserved small business owners with informal incomes through proprietary underwriting.

3. **Recent Developments:** Successfully raised ₹450 Cr in new borrowings at 8.33%, lowering the overall cost of funds to 8.80%.

4. **Key Financial Metrics:** Total income reached ₹838.7 Cr, up 6% YoY. Basic EPS increased to ₹9.19. Net Interest Margin (NIM) is 19.97% and Return on Equity (RoE) is 14.46%.

5. **Management Outlook:** Management is optimistic about meeting full-year growth targets, anticipating consistent improvement in asset quality. They believe the quarter provides a strong foundation for future growth and profitability.