Awards & Recognitions

b. Retail & Commercial Loans Section 8: Risk Management & Asset Quality Key Product wise NPA detail as of March 31, 2023 Here we share the Gross and Net NPA of individual products in Retail & Commercial Finance. Most of the products have GNPA ratio at less than 2% and NNPA ratio at less than 1% as a result of stringent underwriting and risk management funnel described earlier. 2.79% 1.17% Gross NPA Net NPA 1.84% 1.83% 1.65% 1.60% 1.43% 1.05% 0.90% 1.65% 0.66% 0.55% 0.51% 0.46% 0.41% 0.40% 0.41% 0.17% GNPA level guided to market @2.0% NNPA level guided to market @1.0% Loan Against Consumer Wheels Credit Card Digital, Gold Commercial Home Loan Rural Finance Retail and Property Commercial Loans Loan and Others Finance NPA of Loan Against Property is higher because it includes impact of restructuring due to COVID. NPA in this portfolio is expected to come down over time as the COVID affected portfolio runs off. 43 IDFC FIRST Bank

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