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Five Star Business Finance Company Details
Five Star Business finance is an NBFC-ND-SI providing secured business loans to micro-entrepreneurs and self-employed individuals, each of whom are largely excluded by traditional financing institutions. It is headquartered in Chennai, Tamil Nadu with a strong presence in south India and all of its loans are secured by the borrowers’ property, predominantly being SORP. According to the CRISIL Report, among its compared peers :
• within a subset of large peers (with more than Rs 30,000 million in AUM), it is the fastest AUM growth, with a compound annual growth rate (“CAGR”) of 65.0% (Financial Year 2017 to 2021) ;
• within a subset of large peers (with more than Rs 30,000 million in AUM), it was the highest average return on AUM of 7.9%, across the period covering Financial Years 2021, 2020 and 2019; and
• it is among the three best for Gross Non-Performing Assets as a percentage of AUM (it had a Gross NPA as a percentage of AUM of 1.02%) as of March 31, 2021, while it has the best asset quality among lenders identified by CRISIL as engaged in extending MSME business loans, with other lenders reporting 90+ DPD in excess of 2%

Over 95% of its loan portfolio comprises loans from between Rs 1 lac to Rs 10 lac in principal amount, with an average ticket size (“ATS” and calculated as the average disbursed sum per customer during the period/year) of Rs 2.70 lac, Rs 2.60 lacRs 3.01 lac and Rs. 3.40 lac in the six months ended September 30, 2021 and the Financial Years 2021, 2020 and 2019, respectively. It had an active loan base of 192,270 and 176,467 as of September 30, 2021 and March 31, 2021, respectively. Our AUM has grown to Rs 46,39.29 Cr as of September 30, 2021 from Rs 4,93.59 Cr as of March 31, 2017, at a CAGR of 65% between financial year 2017 and six months ended September 30, 2021.
For more information, click www.fivestargroup.in

The Promoters of Five Star Business Finance
Lakshmipathiy Deenadayalan, Hema Lakshmipathy, Shritha Lakshmipathy, Matrix Partners India Investment Holdings II LLC & SCI Investments V

Five Star Business Finance IPO Main Objects
The Offer comprises only of  Offer for Sale.

Five Star Business Finance IPO Details
IPO opens on (?) , 2022
IPO closes on (?) ,2022
Issue Type: Book Built Issue IPO
Issue : up to (?) Shares /Rs 2751.9.5 Crore
* Offer for Sale Up to ? Sh/ Rs. 2751.9.5Cr

Face Value per share : Rs. 1

Five Star Business Finance IPO Price Band Per Equity Share: Rs. (?)
Five Star Business Finance IPO Retail Lot Size (?) Shares
Five Star Business Finance Listing will at BSE,NSE

Shares offered to
QIB (?%) ?Shares = Rs (?) Cr
NII (?%) ?Shares = Rs (?) Crs
RII (?%) ? Shares = Rs (?) Crs
Lot size: (?) Shares = (?) Forms
Min Retail Application : (?) Sh , Rs. (?)
Max Retail Application : (?) Sh, Rs (?)

Five Star Business Finance IPO Tentative timeTable
Five Star Business Finance IPO Allotment on ? 2022
Unblocking of ASBA ? 2022
Credit to Demat Accounts ? 2022
Data Patterns Listing on ? 2022

Five Star Business Finance IPO Financial & Analytical Ratios
Earnings per Share 2019-20 Rs 10.32
Earnings per Share 2020-21,Rs 14.01
Earnings per Share 2021-22 6M Rs ?
Book Value of the Share as on 30.9.2021 Rs 119.02
Return on Net Worth: 19-20 15.35 %
Return on Net Worth: 20-21: 16.85 %
Return on Net Worth: 20-21 6M:( N.A.) %
Equity Shares prior to the IPO : 290,135,120 Shares

Ratio Analysis
Upper Price Band/last EPS:
Upper offer price/Book Value Ratio
Upper offer price/BV after IPO Ratio:

Five Star Business Finance IPO Peer Comparison:
Aavas Financiers @ PE Multiple of 76.49
Aptus Value @ PE Multiple of 62.59
Au Small Finance @ PE Multiple of 32.32
.

Five Star Business Finance IPO Lead Managers
ICICI Securities,Edelweiss Financial Services, Kotak Mahindra Capital, Nomura Financial Advisory.
Registrar to Five Star Business Finance IPO
Kfin Technologies pvt ltd.

Registered Office of Five Star Business Finance
New No. 27, Old No. 4, Taylor’s Road, Kilpauk, Chennai 600 010,
Company Secretary & Compliance Officer : Shalini Baskaran

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