Star Housing Finance Limited · BSE:STARHFL
Star Housing Finance — 9M FY2024-25 Earnings Presentation
16 slides from Star Housing Finance's earnings presentation, Feb 15, 2025
Slide 1: Cover letter to BSE: Investor Presentation
Date: 15th February 2025 ISIN: INE526R01028 SCRIP CODE: 539017 SCRIP ID: STARHFL PAN NO. AAGCA1988C To, BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai-400001 Sub: Investor Presentation Dear Sir / Madam, Pursuant to Regulation 30 of SEBI (Listing Obligation and Disclosure Requirements) R
Slide 2: Star Housing Finance Ltd Corporate Deck
Star Housing Finance Ltd CORPORATE DECK
Slide 3: Star HFL - Company Brief
STAR HFL - COMPANY BRIEF ABOUT US KEY FIGURES ▪ Listed on the BSE (BOM: 539017) ▪ AUM at 538.06 crs with 5200+ live accounts with Avg. Loans Size of Rs. 10 lakhs ▪ Affordable housing finance company ▪ GNPA at 1.74% and NNPA at 1.25% as of Dec 31, 2024 ▪ PAT of Rs. 8.12 crs for 9M FY’2024-25 ▪ Regist
Slide 4: Board of Directors
BOARD OF DIRECTORS STAR Starhai toh bharosa hai Kalpesh Dave C Ilango Ajith Lakshmanan P.K Das Director & CEO Independent Director Independent Director Independent Director Ex-MD CanFin Homes Ex-ED LIC of India Ex-ED IDBI Bank A.P Saxena Kavish Jain Neelam Tater Independent Director Executive Direct
Slide 5: Leadership Team
LEADERSHIP TEAM Director & CEO CCO Murtaza Vohra Hemant Shinde Nikhil Sahu Head - Planning Head - Fund Raising Head - BIU 4
Slide 6: Becoming a Professionally Run HFC
BECOMING A PROFESSIONALLY RUN HFC COMPANY TRANSITION BUSINESS TRANSITION Before Oct 2019 As of Now Before Oct 2019 As of Now Franchise based Business Model In-house business model Old Name New Name Geographic concentration Multi-state presence Registered & 11 member team 280+ strong team Registered
Slide 7: Becoming a Professionally Run HFC (contd.)
BECOMING A PROFESSIONALLY RUN HFC (contd.) LIABILITY TRANSITION BOARD TRANSITION Before Oct 2019 As of Now Before Oct 2019 As of Now Diversified Borrowing Profile with Borrowings predominantly from focus on PSBs. Private Sector Banks, Financial Institutions FIs and the NHB Professional characteristi
Slide 8: Net Worth Strengthened Consistently
NET WORTH STRENGTHENED CONSISTENTLY 160 Figures in Rs. crs 50.6 142 140 120 15.0 100 Cumulative 2.19 2.19 11.2 PAT Fund raise accretion 80 21.6 ESOP I ESOP I Tranche II through Tranche I Warrants Capital Exercised Exercised Raise 60 8.2 4 15.5 Capital 40 Capital Raise 30.52 Raise 3 Capital 2 20 Rais
Slide 9: Key Portfolio Cuts as of Dec 31, 2024
KEY PORTFOLIO CUTS AS OF DEC 31, 2024 Wholesale Retail 0-60 month 61-120 month Up to 25 lakh 25-50 lakhs 121-180 month 181-240 month 1% 17.00% 7% 3.00% Ticket Product Tenure Size Wise Wise wise 52.00% 28.00% 99% 93% Gujarat Madhya Pradesh Up to 16% 16-22% 22-28% Up to 50% 50-60% 61-70% 71-80% >80% M
Slide 10: Company Debt as of Dec 31, 2024
COMPANY DEBT AS OF DEC 31, 2024 Sanction Amt. Rs. 90.00 crs Rs. 84.75 crs* Rs. 12.00 crs Rs. 20.00 crs Rs. 12.92 crs Rs. 60.00 crs Outstanding Amt. Rs. 63.07 crs Rs. 65.02 crs Rs. 1.60 crs Rs. 16.18 crs Rs. 0.84 crs Rs. 44.95 crs No. of Credit Lines 9 3 1 2 2 3 Sanction Amt. Rs. 24.80 crs Rs. 10.00
Slide 11: Business Historicals
BUSINESS HISTORICALS Disbursements (In Rs. Crs.) 241 AUM (In Rs. Crs.) 207 538 200 144 427 100 37 400 246 29 200 95 104 0 FY'20-21 FY'21-22 FY'22-23 FY'23-24 9M FY'24-25 0 FY'20-21 FY'21-22 FY'22-23 FY'23-24 9M FY'24-25 ▪ FY’22-23 is the first growth year post capacity build up ▪ 46%+ y-o-y growth r
Slide 12: Financial Historicals
FINANCIAL HISTORICALS Net Worth (In Rs. Crs.) Borrowings (In Rs. Crs.) 133.01 141.87 150 450 399.14 106.42 320.30 100 64.10 300 53.65 162.50 50 150 64.28 78.48 0 0 FY'20-21 FY'21-22 FY'22-23 FY'23-24 9M FY'24-25 FY'20-21 FY'21-22 FY'22-23 FY'23-24 9M FY'24-25 ▪ Sequential increase in net worth throu
Slide 13: 9M FY'24-25 Business and Financial Performance
9M FY’24-25 BUSINESS AND FINANCIAL PERFORMANCE Business Numbers: AUM increased 45.94 % y-o-y to Rs. Operating & Financial Performance Q3 Q3 Y-o-Y 538.06 crs. The Company disbursed Rs. 33.62 crs in the (In Crs) FY2024-25 FY2023-24 Change quarter under review Income Growth: Interest income grew by 57.
Slide 14: Financial Results: 9M FY2024-25
FINANCIAL RESULTS: 9M FY2024-25 As on Particulars Particulars FTY ended Dec 31, 2024 FTY ended Dec 31, 2023 31-12-2024 31-12-2023 Revenue from Operations Assets Interest Income 61.00 38.74 Cash & Cash Equivalents 26.21 47.53 Fee & Commission income 1.77 1.34 Bank Balances Other than Cash & Cash 18.8
Slide 15: Disclaimer
DISCLAIMER This presentation may contain statements about events and expectations that may be “forward-looking,” including those relating to general business plans and overall growth strategy of Star Housing Finance Limited (“Star HFL"), formerly known as Akme Star Housing Finance Limited, and its a
Slide 16: Thank You
Thank You For any questions, please connect with [email protected] www.starhfl.com
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