Financial Performance Review Q1 FY21
Portfolio growth driven by new customers, ticket size growth moderate
In Rs. crores
23%
2.9 Mn active loan accounts
Micro-banking Portfolio Growth
28%
6,445
6,117
4,969
5,028
June 30,2019
June 30,2020
Mar 31,2019
Mar 31,2020
Average OS Balance
Loan Tenor
1.43%
32.66%
65.91%
■ 12 Months ■ 18 Months ■24 Months
Average Ticket Size (ATS) of new loans
19,650
19,192
24,804
23,356
22,115
33,385
20,393
30,334
20,996
19,599
29,971
38,803
33,961
32,277
41,458
36,904
34,900
18,055
Mar-18 Jun-18 Sep-18 Dec-18
Mar-19 Jun-19 Sep-19 Dec-19 Mar-20
Mar-18
Jun-18 Sep-18 Dec-18 Mar-19
Jun-19 Sep-19 Dec-19
Mar-20
RBL
Peer
⚫RBL
Peer
-Industry
-Industry
Average outstanding per customer lower than
Source Equifax
industry and peers
Moderate increase in ticket size @ 8% p.a
Peers: two largest banks, two SFB's and two prominent MFI's
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