Q4 & FY22 - Investor Presentation
Microfinance: 5-Year Performance
Disbursement growth is driven by customer & branch addition
AUM growth exceeds MFI industry growth rates
A
Demonetization
1.70
2.24
2.32
2.30
Demonetization
10,220
0.74
4,001
1.13
8,401
5,896
6,531
4,176
1,585
6,207
6,431
4,837
3,170
1,239
I
FY17
FY18
I
FY19
FY20
FY21
FY22
I
FY17
FY18
FY19
FY20
FY21
FY22
MFI disbursement (Rs Mn)
-# of MFI cases disbursed (lakhs)
â– Microfinance AUM (INR Mn)
PAT (INR Mn)
Demonetization
38
41
157
252
49
Yields (%) & NIM (%) Trend
30.3%
25.6%
25.8%
23.3%
23.1%
22.2%
185
15.8%
14.7%
13.3%
12.5%
12.7%
12.9%
FY17
FY18
FY19
FY17
FY18
FY19
FY20
FY21
FY22
-Yield (%)
FY20
-NIM (%)
FY21
FY22
Note: FY22, FY21, FY20 & FY19 figures are as per IND-AS, all the figures prior to FY19 are as per I-GAAP.
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