Five Star Business Finance IPO

AUM Growth:: Fastest AUM growth among compared peers with more than ?30,000 million in AUM, with strong return and growth metrics and a significant potential addressable market.

cash-flows of small business: : Among the select institutions to develop an underwriting model that evaluates the cash-flows of small business owners and self-employed individuals in the absence of traditional documentary proofs of income.

Infrastructure:: Strong on-ground collections infrastructure leading to ability to maintain a robust asset quality.

Expansion Strategy:: Ability to successfully expand to new underpenetrated geographies through a calibrated expansion strategy.

Asset Quality:: 100% in-house sourcing, comprehensive credit assessment and robust risk management and collections framework, leading to good asset quality.

Management:: Access to diversified and cost-effective long-term financing with a conservative approach to asset liability and liquidity management.

Investors:: Experienced, cycle-tested leadership with an experienced long standing promoter, and a professional management team and supported by marquee investors.

Effect on business:: They require substantial capital for business and any disruption in sources of capital could have an adverse effect on business, results of operations, and financial condition.

Affect the business:: The risk of non-payment or default by borrowers may adversely affect business, results of operations, and financial condition.