Key Q4FY21 Highlight -
Q4FY21 Quarterly Result -
Key FY21 Financial Highlights -
Balance Sheet -
Assets & Liabilities Breakup -
Key FY21 Operational Highlights -
➢ Strong rebound in disbursement in H2 (Vehicle, SBL and Housing)
➢ 77% of total FY21 disbursement in H2 (47% YoY growth)
➢ Deposits continue to scale driven by increasing brand awareness, branch expansion and improved digital offering
➢ Improved CASA ratio from 14% to 23%
➢ Overall Cost of Funds reduced by 86 bps to 6.83% from 7.69% in FY20 ➢ GNPA of ₹ 1,503 Cr (4.3%), of which
➢ >90DPD portfolio - ₹ 962 Cr (2.7%)
➢ <90 DPD portfolio - ₹ 541 Cr (1.5%)
➢ Collection efficiency was >100% in each month of Q4FY21
➢ PAT (ex-Aavas) grew YoY despite accelerated provisions in FY21
➢ Deposit are at 35,979 crore ( Growth of 38%)(y-o-y)
Share Holdings Pattern -
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