Investor Presentaiton
Q3 FY2022 Quarter At a Glance
Increase in AUM for first
time since Q2 FY19
Back-to-Back Quarters Of
Profitability
Increase in Capital Digital
Loan* Initiative Proportion
CDL Legacy
427
401
0.9
1.0
337
311
312
Q3 FY21 Q4 21 Q1 22 Q2 FY22 Q3 FY22
83%
74%
72%
63%
54%
။
Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22
Capital Trust
Highest Quarterly
Disbursement since Q4 FY20
21
20
18
16
14
12
iiilil
-14
37%
46%
2
28%
26%
17%
-26
Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22
June July Aug Sep Oct Nov
21 21 21 21 21 21
Dec
21
AUM in Cr
PAT in Cr
% Split in AUM
Disbursement in Cr
Capital Digital Loan Initiative's
Continued Resilience
108%
113%
95% 96% 95% 96%
98%
Continuous Rise In % Of Digital
Collection Of Capital Digital Loan
Initiative Clients**
62%
53% 54% 53% 54% 52%
57%
Cumulative Provision Balance
Further Increased (*58Cr Balance or
19% of AUM Already Provided For)
56
57
58
Enhancement Of Existing & On-
Boarding Of New Partnerships
+++ HDFC BANK
13
35
June
21
July Aug Sep Oct Nov Dec
21 21
21 21 21 21
21
21
21
June July Aug Sep Oct Nov Dec
21 21 21
21
Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22
% Of Collection
Provision Balance in Cr
Collection Efficiency
* Now categorized only as loans disbursed post FY20 (automated credit engine backed)
** Collection % when bank clearance data is received (NACH clearance + Advance collection)
7
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