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FIVESTAR IPO

Five Star Business Finance Limited
Start Date09-11-2022
Application Timing10am-5pm
Price Range₹450 - ₹474
Min Qty31
Min. Investment₹13950
Listing Date21-11-2022
Close Date11-11-2022

About Five Star Business Finance Limited

 Five Star Business Finance Limited is an NBFC-ND-SI (Non-Banking Finance Company) providing secured business loans to micro-entrepreneurs and self-employed individuals. The company has an extensive network of 311 branches, as of June 30, 2022, spread across eight states and one union territory and approximately 150 districts across India, with Tamil Nadu, Andhra Pradesh, Telangana and Karnataka being the key states.

Five Star Business Finance Limited has created a business model based on identifying an appropriate risk framework and the ideal instalment-to-income ratio to make sure that customers have the resources to repay the loan after meeting their regular obligations and other event-based capital requirements.

The company is headquartered in Chennai, Tamil Nadu with a strong presence in south India. As of September 30, 2021, we had a total of 4,306 employees.

The company has provided loans to more than 185,000 customers in total. They had an active loan base of 230,175 and 217,745 as of June 30, 2022, and March 31, 2022, respectively.

Why To Invest in Five Star Business Finance Limited

The company has the fastest AUM growth among the compared peers. As of June 30, 2022, and March 31, 2022, the Total Borrowings were Rs 25,203.19 million and Rs 25,588.31 million, respectively.

Strengths And Risks
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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.
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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.
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Infrastructure:: Strong on-ground collections infrastructure leading to ability to maintain a robust asset quality.
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Expansion Strategy:: Ability to successfully expand to new underpenetrated geographies through a calibrated expansion strategy.
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Asset Quality:: 100% in-house sourcing, comprehensive credit assessment and robust risk management and collections framework, leading to good asset quality.
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Management:: Access to diversified and cost-effective long-term financing with a conservative approach to asset liability and liquidity management.
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Investors:: Experienced, cycle-tested leadership with an experienced long standing promoter, and a professional management team and supported by marquee investors.
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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.
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Affect the business:: The risk of non-payment or default by borrowers may adversely affect business, results of operations, and financial condition.
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