Investor Presentaiton
KEY PORTFOLIO METRICS
AUM (Crore)
Disb.
Business Segment
Q1 FY17 Q1 FY 18
Yo Y Q1 FY17 Q1 FY18
Yo Y
No. of
Accounts Range
IRR (%)
Ticket
(Lacs)
Consumer Businesses
1.
2W & 3W finance
4,080
5,215
28% 1,059 1,078
2%
173,605 22.0-26.0
0.58
2.
Consumer durable finance
6,783
7,974
18%
5,020
6,039
20%
22,61,873 23.0-25.0
0.27
3.
Digital product finance
816
1,217
49%
646
1,081
67%
4.
Lifestyle product finance
386
513
33%
235
319
36%
5.
Retail EMI & Ecommerce
604
579
6.
Personal loans cross sell
4,392
6,962
59%
997
1,537
54%
7.
Salaried personal loans
2,764
3,877 40%
656
1,063
62%
15,678
8.
Salaried Home Loans
1,786
3,268
83%
386
673
74%
527,390 23.0-25.0
65,565 23.0-25.0 0.46
2,04,537 23.0-25.0 0.10-0.27
97,397 16.0-26.0 1.49
14.0-16.0 5.5-6.0
8.5-9.5
37
0.20
9.
BFS Direct (HL, PL)
721
1,604
122%
244
445
82%
SME Businesses
10. Business loans (BL)
4,866
5,990
23%
1,344
1,299
(3%)
10,293
17.0-20.0
11-14
11.
Professional loans
1,265
2,057
63%
371
661
78%
4,974
14.0-17.0
11-14
12. Loan against property (LAP)
8,661
8,582 (1%) 1,132
1,561
38%
10.50
90-110
13. Self employed - Home Loans
3,286
3,970 21%
557
964
73%
8.8-10.5
55-65
14. RM Business
2,136
2,349
10%
504
280
(44%)
Commercial Businesses
15. Securities lending
2,975
6,127* 106%
16. Vendorfinancing
1,545
2,014 30%
17. Financial institutions group
433
707
63%
20
105
425%
18. Corporate finance
459
647
41%
120
190
58%
10.0-11.5
10.0-12.5
9.5-12.0
10.0-12.0
19.
Infrastructure lending
Exited Infra portfolio by selling down its largest exposure and paydown by one of the largest accounts
Rural Business
20. Rural lending
1,688
3,916 132%
795
1,627
105% 3,70,985 14.0-26.0
*Includes 2,021 Crs of IPO Financing
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