Investor Presentaiton
Portfolio growth driven by new customers, ticket size growth moderate
3.04 Mn active loan accounts
Portfolio Composition
Gross Advances* (Rs. Crores)
6,725
5,636
5,166
Sept 30,2019
* Gross Advances
Sept 30,2020
47%
53%
■ New-Book-Post COVID ■ Old-Book-Pre-COVID
Sept 30,2021
Average Ticket Size (ATS) of New Loans
Average Outstanding Balance
RBL
Peer -Industry
RBL
Peer
Industry
44,829
41,427
38,708
38,695
30279
35,784
33,385 33,827
30666 35,544
27914 27507
22.000
31,741
86-186
5.134
26456
23356
21690
25595
29
34,879
19650
30,334 31,183
32,276 32,376
30,094 31,099
31,362
24814 24823
22450
24454 23242
28,608
18055
22886 22395
19192 18897 19599
22252 21316 21369
19518
Mar-18 Sep-18 Mar-19 Sep-19 Mar-20 Sep-20 Dec-20 Mar-21 Jun'21
Source: Equifax
Mar-18 Sep-18 Mar-19 Sep-19 Mar-20 Sep-20 Dec-20 Mar'21 Jun-21
Peers: two largest banks, two SFB's and two prominent MFI's
New-Portfolio: Portfolio Originated April-2020 onwards, Old Portfolio: Portfolio Originated till March-2020 36View entire presentation