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Investor Presentaiton

Executive Summary (contd.) 11 SHRIRAM City MONEY WHEN YOU NEED IT MOST Overall borrowings as on 31st March'22 stood at Rs. 30632 Cr. versus Rs. 29747 Cr. in Dec'21 and Rs. 25565 Cr. in March'21. Our Fixed Deposit base stood at Rs. 6828 Cr., a growth of 23.5% YOY. Liquidity back up in form of free cash & bank balances stood at Rs. 5235 Cr. as of March'22. Sanctioned and Undrawn limits stood at Rs. 556 Cr. Comfortable ALM position with nil negative mismatch on cumulative basis across future timelines. Net Worth stood at Rs. 8728 Cr. Improved asset quality: GNPA for Q4FY22 was 6.31% versus 7.30% in Q3FY22 (both figures are per RBI's November 2021 Circular). Improved credit costs: Down from 2.79% in Q3FY22 and 2.25% in Q4FY21 to 2.15% in Q4FY22. Also improved from 2.90% in FY21 to 2.83% in FY22. Collection Efficiency was at 103% in January and February'22, and 111% in March'22. Q4 Collection Efficiency was 106%. SHRIRAM HOUSING FINANCE
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