Five Star Business Finance Ltd – Five Star Business Unlisted Shares
Five Star Business Finance Limited is a registered Non-Banking Finance Company (NBFC-ND-SI) with the Reserve Bank of India providing secured financial solutions to micro entrepreneurs and self-employed individuals. It is a systemically important non-deposit taking Non-Banking Finance Company that is primarily engaged in providing loans for business and personal needs, house renovation / extension purposes and other mortgage purposes.
Five Star aims to bridge the funding gap of the large section of our country’s population that remains outside the realms of funding availability. Their customers primarily include small shop owners, flower vendors, maids, masons and small and medium enterprises that form the backbone of India’s economy. With experience of operating in this borrower segment for so many years, the Company has developed a unique underwriting model capable of evaluating their credit-worthiness.

The company operates in 8 states and 1 union territory with a total of 262 branches in states like Tamil Nadu, Andhra Pradesh, Karnataka, Maharashtra and has a base of over 185000 customers. Starting from September 2020, the Company also scaled up its business and disbursals leading to a good quantum of disbursals during the financial year along with a 14% growth in Assets under Management.
It transformed from a completely paper-based company into a paperless company starting FY18 which paid it off on multiple counts, improved turnaround times and helped capture quality data. The company passionately believe in the fact that “un-banked” does not necessarily mean “un-bankable” and therefore are working as a specialized financial services company funding the people who were perceived to be unfundable and addressing their needs.
Product and Services
Five Star Business Finance provides loans for business purposes, as well as for asset creation such as home renovation or for meeting expenses for events such as healthcare or education.

Five Star Business Unlisted Shares Details
Details of Five Star Business Finance Limited unlisted shares as available in NSDL & CDSL as on dated 31st March 2021
Name | Details |
Face Value | ₹ 1.00 Per Equity Share |
ISIN No. | INE128S01021 |
Stock in DP | NSDL & CDSL |
Five Star Business Board Member
Five Star Business Finance Limited unlisted shares board member details as on dated 31st March 2021
Sr No | Board Memeber | Designation |
1 | D Lakshmipathy | Chairman and Managing Director |
2 | A Ramanathan | Independent Director |
3 | R Anand | Independent Director |
4 | Bhama Krishnamurthy | Independent Director |
5 | B Haribabu | Independent Director |
6 | L R Raviprasad | Non-Executive Director |
Sr No | Board Memeber | Designation |
7 | Thirulokchand Vasan | Non-Executive Director |
8 | Vikram Vaidyanathan | Investor Director |
9 | G V Ravishankar | Investor Director |
10 | Sanjeev Mehra | Investor Director |
11 | Gaurav Trehan | Investor Director |
12 | Niren Shah | Board Observer |
Five Star Business Share Holding Pattern
Details of Five Star Business Finance Ltd investor’s share holding pattern as on 31st March 2021
Name of Shareholders | No. of Shares | Holdings (%) |
Promoter | 60,27,801 | 22.17% |
Indian Individual | 21,45,020 | 7.89% |
Body corporate | 190,17,920 | 69.94% |
Five Star Business Financial Performance
Financial Statement of Five Star Business Finance Ltd is prepared on year-on-year basis and all data has been taken from audited financial report which is available on their official website
Perticulars (In Lakhs) | March - 22 | March - 21 | March - 20 |
Total Revenue | 1,25,616.92 | 105,125.47 | 78,734.73 |
Total Expenses | 65,196.01 | 57,481.39 | 43,804.68 |
PBT (Profit Before Tax) | 60,420.91 | 47,644.08 | 34,930.05 |
Total Tax | 15,066.46 | 11,744.64 | 8,735.01 |
PAT (Profit After Tax) | 45 354.45 | 35,899.44 | 26,195.04 |
Total Asset | 6,34,306.56 | 5,79,361.14 | 4,35,315.39 |
Earning Per Share (EPS) | 15.92 | 136.06 | 100.70 |
Annual Report |
NOTE: The Board of Directors in September 2021 approved the sub division of equity share of face value of INR 10 into 10 equity shares of face value of INR 1 and the same was approved by the members at the Extra Ordinary General meeting in October 2021. The Earning Per Share of March 22 has been arrived after giving effect to the sub-division.
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