Five‑Star Business Finance Ltd.

‑Star is an NBFC lending small‑ticket secured loans to micro‑entrepreneurs in Tier II/III towns. ​ High yields, tight underwriting, and fully secured book have kept NPAs and credit costs under control. ​ Strong ROA/ROE and capital buffers support above‑system growth. ​ Risks are concentration in self‑employed borrowers, state‑specific shocks, and funding‑cost spikes. ​