Key Performance Indicators

Fundamentally sound franchise

Balance sheet parameters

Average Total Assets (₹ in Cr)

FY 2020-21

19,396

FY 2019-20

16,077

FY 2018-19

11,608

FY 2017-18

8,954

21%

y-o-y growth

Average Net Worth (₹ in Cr)

FY 2020-21

3,203

FY 2019-20

2,504

FY 2018-19

1,733

FY 2017-18

1,644

28%

y-o-y growth

Return on Average Assets (ROA) (%)

FY 2020-21

0.04

FY 2019-20

2.2

FY 2018-19

1.7

FY 2017-18

0.1

215 bps

y-o-y de-growth

Return on Average Shareholder’s Fund/Equity (ROE) (%)

FY 2020-21

0.3

FY 2019-20

13.9

FY 2018-19

11.5

FY 2017-18

0.4

1,360 bps

y-o-y de-growth

11%

Growth in Balance Sheet size

(Stood at ₹20,380 Crore as on March 31, 2021 vis à vis ₹18,411 Crore as on March 31, 2020)

Profit and loss parameters

Total Income (₹ in Cr)

FY 2020-21

3,117

FY 2019-20

3,026

FY 2018-19

2,038

FY 2017-18

1,579

3%

y-o-y growth

Net Interest Income (NII) (₹ in Cr)

FY 2020-21

1,729

FY 2019-20

1,634

FY 2018-19

1,106

FY 2017-18

861

6%

y-o-y growth

Profit After Tax (PAT) (₹ in Cr)

FY 2020-21

8

FY 2019-20

350

FY 2018-19

199

FY 2017-18

7

98%

y-o-y de-growth

Earnings Per Share (EPS) (₹)

FY 2020-21

0.05

FY 2019-20

2.18

FY 2018-19

1.20

FY 2017-18

0.05

98%

y-o-y de-growth

Book Value Per Share (₹)

FY 2020-21

17.5

FY 2019-20

17.3

FY 2018-19

11.2

FY 2017-18

10.2

1%

y-o-y growth

9.5%

Net Interest Margin (NIM)

in FY 2020-21 compared to 10.8% FY 2019-20

Business parameters

Assets Under Management (AUM) (₹ in Cr)

FY 2020-21

15,140

FY 2019-20

14,153

FY 2018-19

11,049

FY 2017-18

7,560

7%

y-o-y growth

Disbursements (₹ in Cr)

FY 2020-21

8,397

FY 2019-20

13,221

FY 2018-19

11,089

FY 2017-18

8,047

36%

y-o-y de-growth

Deposits (₹ in Cr)

FY 2020-21

13,136

FY 2019-20

10,780

FY 2018-19

7,379

FY 2017-18

3,772

22%

y-o-y growth

Current Account and Savings Account (CASA) (₹ in Cr)

FY 2020-21

2,699

FY 2019-20

1,459

FY 2018-19

784

FY 2017-18

139

85%

y-o-y growth

18.5%

Asset Yields

in FY 2020-21 compared to 20.1% in FY 2019-20

Operational parameters

Gross Non-Performing Assets (Gross NPAs) (%)

FY 2020-21

7.1

FY 2019-20

1.0

FY 2018-19

0.9

FY 2017-18

3.7

610 bps

y-o-y growth

Net Non-Performing Assets (Net NPAs) (%)

FY 2020-21

2.9

FY 2019-20

0.2

FY 2018-19

0.3

FY 2017-18

0.7

270 bps

y-o-y growth

Capital Adequacy Ratio (CAR) (%)

FY 2020-21

26.4

FY 2019-20

28.8

FY 2018-19

18.9

FY 2017-18

23.0

240 bps

y-o-y de-growth

Staff Retention Ratio (%)

FY 2020-21

82

FY 2019-20

79

FY 2018-19

80

FY 2017-18

83

300 bps

y-o-y growth

Business composition

Gross Loan Book Mix (%)
Group loan
Micro individual loan
Affordable housing
Micro, medium & small enterprises
Rural
Others
Deposits Mix (%)
Institutional term deposits
Retail term deposits
Certificate of deposits
CASA
Customer Base Mix (%)
Asset and liability
Only asset
Only liability