Investor Presentaiton
Significantly low $ 90+ DPD
DPD on the
on the loans sourced since Jan-19
SHRIRAM
HOUSING FINANCE
Period
Disb.
AUM
3M
6M
9M
12M
15M
30M
Q1'13
16
1
-
-
-
1.8%
3.6%
Q2'13
23
2
-
-
-
0.6%
3.7%
0.5%
Q3'13
30
2
-
-
-
0.4% 2.2%
3.2%
Q4'13
45
3
-
-
0.4% 0.6%
1.7%
Q1'14
40
4
-
-
0.4%
1.5%
2.4%
2.4%
Q2'14
55
6
-
0.2% 2.7%
2.8% 3.6%
5.5% 5.5% 5.9%
18M 21M 24M 27M
4.7%
4.7%
5.5% 4.7% 7.0%
6.8% 7.4% 8.4%
3.9% 5.2% 5.5% 5.3% 5.8%
6.1%
5.3%
7.1%
4.0%
6.1% 5.1%
5.5%
5.8% 5.2% 4.9% 4.7%
3.6% 4.0% 3.0% 2.9% 2.9%
2.5%
2.9% 3.3%
4.2%
3.4%
3.8%
5.3%
33M
2.6%
2.7%
3.3%
3.8%
5.2%
4.2%
6.4%
5.5%
Q3'14
69
7
-
-
-
1.3% 2.9% 3.1% 4.7%
4.4% 5.1% 5.5% 6.3% 5.7%
7.2%
Q4'14
73
10
-
-
Q1'15
77
9
-
Q2'15 119
13
-
Q3'15
125
17
-
Q4'15 181
24
-
Q1'16 185
18
-
Q2'16
170
26
-
Q3'16 165
31
-
-
Q4'16 273
45
-
0.1%
Q1'17
321
46
Q2'17
Q3'17
ཁབ
332
51
-
-
184
35
-
-
Q4'17
128
27
-
-
Q1'18 137
Q2'18 121
40
41
-
-
0.2%
Q3'18 165
62
-
-
-
Q4'18 336
99
-
0.1%
Q1'19 233
Q2'19
91
-
249
109
-
-
0.1% 0.5% 1.0% 1.2%
0.0% 0.2% 0.9% 1.2% 1.1% 0.6% 0.6% 0.7%
0.1%
Q3'19
11
2
-
-
-
2.4%
-
Q4'19 265
129
-
-
-
0.0%
Q1'20 243
98
123
-
-
Q2'20
Q3'20 386
48
-
-
-
-
-
-
223
-
-
-
-
Q4'20 400
239
-
-
0.3% 0.4% 0.3%
0.3% 0.3%
0.4% 0.4% 0.4% 0.4%
3.0% 0.9%
0.6%
0.9%
5.1% 4.9% 3.1% 1.9% 2.2% 2.0%
1.7%
1.7% 1.3%
3.3% 4.5% 1.6% 1.2% 2.2% 2.2% 2.2% 2.2% 2.3%
1.9%
5.5%
2.7%
1.2%
1.9%
1.3%
1.1%
1.9% 0.2%
6.3% 1.7% 2.2% 2.0% 1.8% 1.8% 1.9% 1.7% 0.5% 0.6%
2.1% 2.2%
1.7%
1.7%
1.5% 1.8% 1.7% 0.9% 1.1% 1.1%
0.3% 2.6% 2.7% 3.9% 4.3% 5.6% 5.4% 7.9% 7.0% 6.6% 4.1% 3.9% 2.5% 2.5% 1.9% 1.9% 2.0% 0.6% 0.5% 0.7% 0.8%
0.9% 1.5% 2.4% 3.2% 4.2% 4.1% 6.5% 6.1% 6.4% 2.2% 2.9% 1.8% 2.2% 1.5% 2.2% 2.7% 1.1% 0.5% 1.1% 1.7% 2.2%
0.3% 0.6% 1.3% 1.8% 3.7% 3.9% 6.5% 5.4% 7.3% 2.3% 3.0% 2.7% 2.7% 1.9% 1.8% 1.7% 0.5% 0.5% 0.9% 0.6% 0.9% 0.8% 0.8% 0.9% 0.5%
0.3% 1.7% 1.9% 3.3% 4.0% 7.1% 5.9% 6.3% 1.8% 2.6% 2.2% 2.2% 2.0% 2.1% 2.5% 0.8% 0.7% 1.1% 1.2% 1.1% 1.3% 1.3% 1.3% 1.0% 1.1% 1.2% 1.2% 1.0%
0.1% 1.9% 2.1% 3.9% 4.0% 8.5% 1.8% 2.8% 3.0% 2.6% 2.6% 2.6% 2.1% 0.6% 0.6% 0.4% 0.4% 0.4% 0.3% 0.3% 0.4% 0.4% 0.6% 0.7% 0.7% 0.7%
0.1% 0.2% 1.8% 2.3% 3.7% 2.1% 2.9% 3.5% 2.7% 3.4% 2.7% 3.2% 0.9% 1.2% 1.0% 1.0% 1.2% 0.6% 0.6% 0.6% 0.4% 0.4% 0.6% 0.6% 0.5%
0.4% 3.1% 3.3% 6.2% 3.7% 5.3% 5.2% 6.0% 6.0% 6.7% 5.6% 2.5% 2.3% 2.1% 1.8% 2.0% 2.0% 2.1% 2.1% 2.3% 2.4% 2.7% 2.3% 1.1%
0.4% 2.3% 5.0% 2.1% 3.8% 3.6% 3.0% 3.2% 3.5% 2.6% 0.4% 0.6% 0.7% 0.9% 1.2%
1.3%
1.3%
2.2% 1.8% 2.4% 2.6% 2.8%
0.8% 1.9% 3.0% 5.7% 5.7% 6.8% 4.4% 5.3% 4.3% 1.5% 0.6% 1.0% 0.6% 0.6% 0.4% 0.4% 0.6% 1.5% 1.6% 2.0% 1.5% 1.5%
0.6% 1.1% 2.3% 2.7% 4.7% 4.3% 5.3% 4.9% 2.8% 2.7% 2.7% 2.9% 3.2% 3.2% 3.2% 3.2% 3.7% 3.6% 4.0% 3.6% 3.6%
0.9% 3.2% 3.0% 4.3% 5.2% 6.3% 7.8% 4.6% 2.7% 2.2% 2.4% 2.4% 2.2% 2.1% 2.2%
1.9%
2.4%
1.8%
2.0%
1.7%
1.0% 1.9% 2.4% 3.1% 5.2% 3.0% 1.3% 1.0% 0.8% 1.3% 1.4% 0.9% 0.9% 1.1% 1.6% 1.4% 1.7% 1.1% 1.2%
0.7% 1.8% 1.5% 3.8% 3.7% 0.3% 2.7% 3.2% 1.0% 1.0% 0.8% 0.8% 1.0% 1.1%
1.5%
1.0%
1.2% 0.9%
0.5% 1.3% 1.0% 1.6% 2.4% 2.1% 1.8% 1.5% 1.2% 1.2% 1.3% 2.0% 2.0% 2.5% 2.2% 1.8%
0.2% 1.6% 0.5% 1.2% 1.7% 1.8% 2.0% 2.3% 2.3% 2.4% 1.5% 2.0% 2.3%
1.9% 1.9%
0.4% 0.9% 1.0%
1.7%
1.2%
1.3% 1.1% 1.6% 4.3% 4.2% 4.9% 2.6% 2.6%
0.2% 0.6% 0.5% 0.9% 1.0% 1.0% 1.0% 0.9% 1.2% 1.5% 2.0% 1.5% 1.5%
0.9% 0.7% 1.8% 1.6% 1.5%
1.2% 1.4% 1.7% 1.8%
1.8%
2.1%
1.5%
1.4% 1.5% 1.5%
0.4% 0.6% 0.5% 0.5%
0.1% 0.3% 0.4%
0.1% 0.3%
0.3%
36M 39M 42M 45M 48M 51M 54M 57M 60M 63M 66M 69M 72M 75M 78M 81M 84M
7.3% 6.7%
9.1%
8.5% 7.3%
6.1% 5.6% 5.4%
2.4%
5.3%
87M 90M 93M 96M 99M
0.4%
0.3%
-
-
0.6% 0.5%
0.5%
0.8%
0.5% 0.5%
0.5% 0.5% 0.4%
0.2%
0.4%
0.4%
0.2%
0.3%
0.4% 0.4%
0.7% 0.7% 0.9% 0.5% 0.6% 0.6% 0.5% 0.6% 0.6% 0.2% 0.4%
0.6% 0.9% 0.9% 0.9% 1.0% 0.1% 0.1% 0.1% 0.1% 0.1%
1.0% 0.9% 0.9% 1.0% 1.1% 1.3% 1.7% 1.4% 1.3%
2.0% 2.1% 2.4% 1.9% 1.0% 1.4% 1.0% 0.8%
0.4% 0.5% 0.5% 0.5%
-
0.1% 0.3% 0.3% 0.3% 0.3% 0.3%
1.3%
1.4% 1.3%
1.4% 1.4% 1.4%
0.1% 0.2% 0.2% 0.3%
0.2% 0.3%
102M 105M 108M 111M 114M 117M
0.3%
2.0%
0.3%
1.0% 1.1%
0.1%
0.9% 0.1%
0.7% 0.9% 0.9% 0.7%
0.7%
2.2%
Lowest
Highest
Q1'21 77
49
0.0% 0.0% 0.7% 1.8% 1.2%
Q2'21 517
Q3'21 595
Q4'21 1,005
365
427
-
-
805
-
-
Q1'22 221
Q2'22 633
Q3'22 768
178
520
681
0.0%
0.2%
-
0.0%
0.0% 0.2% 0.2%
-
0.4% 0.5%
0.1%
82% of AUM has
90+ DPD of 0.28%
-
--
Total 9,077 4,606
Robust credit underwriting and focused collection strategy helped taming overall 90+ DPD % by 120 bps;
from 2.7% in Dec-19 to 1.5% in Dec-21
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