Date: November 13, 2026

Filing Information

  • Return Name: DNBS04B-Structural Liquidity & Interest Rate Sensitivity - Monthly
  • Return Code: R228
  • Bank/FI code: MUM08037
  • Institution Type: NBFC
  • Reporting frequency: Monthly
  • Reporting period: October 1, 2026 to October 31, 2026
  • Reporting currency: INR
  • Reporting scale: Lakhs
  • Report status: Un-Audited
  • Taxonomy version: 1.1.0
  • Tool name: RBI iFile
  • Tool version: 1.0.0

Company Classification

  • NBFC Profile updated on website: Yes
  • Category Of NBFC: Non-Deposit taking Systemically Important (NDSI) NBFC
  • Classification: NBFC - Investment and Credit Company (NBFC ICC) (Loan Company (LC)/Asset Finance Company (AFC)/Investment Company (IC))

Structural Liquidity Analysis (as of October 31, 2026)

Total Outflows: ₹39,84,283.27 lakh

Breakdown by maturity bucket:

  • 0 day to 7 days: ₹42,752.70 lakh
  • 8 days to 14 days: ₹12,633.64 lakh
  • 15 days to 30/31 days: ₹1,00,742.15 lakh
  • Over one month and upto 2 months: ₹1,32,712.20 lakh
  • Over two months and upto 3 months: ₹1,14,730.37 lakh
  • Over 3 months and upto 6 months: ₹2,37,136.19 lakh
  • Over 6 months and upto 1 year: ₹3,87,946.30 lakh
  • Over 1 year and upto 3 years: ₹14,26,962.18 lakh
  • Over 3 years and upto 5 years: ₹5,57,744.99 lakh
  • Over 5 years: ₹1,29,049.95 lakh

Major Outflow Components:

  • Capital: ₹9,621.54 lakh (all in over 5 years bucket)
  • Reserves & Surplus: ₹7,42,127.52 lakh (non-sensitive)
  • Bonds & Notes: ₹2,80,314.51 lakh (across various maturity buckets)
  • Borrowings: ₹22,01,594.89 lakh (detailed across all maturity buckets)
  • Current Liabilities & Provisions: ₹5,57,798.05 lakh
  • Off Balance Sheet Exposure: ₹91,169.89 lakh

Total Inflows: ₹46,51,840.37 lakh

Breakdown by maturity bucket:

  • 0 day to 7 days: ₹1,72,977.78 lakh
  • 8 days to 14 days: ₹55,433.83 lakh
  • 15 days to 30/31 days: ₹2,87,254.12 lakh
  • Over one month and upto 2 months: ₹64,412.82 lakh
  • Over two months and upto 3 months: ₹63,489.29 lakh
  • Over 3 months and upto 6 months: ₹4,23,791.14 lakh
  • Over 6 months and upto 1 year: ₹11,94,471.25 lakh
  • Over 1 year and upto 3 years: ₹12,44,808.14 lakh
  • Over 3 years and upto 5 years: ₹4,23,023.23 lakh
  • Over 5 years: ₹7,22,178.77 lakh

Major Inflow Components:

  • Advances (Performing): ₹27,87,746.36 lakh
  • Investments: ₹3,35,619.97 lakh
  • Cash: ₹1,519.42 lakh
  • Balances with Banks: ₹1,24,808.33 lakh

Liquidity Mismatch Analysis:

  • Cumulative Mismatch: ₹6,67,557.10 lakh (surplus)
  • Mismatch as % of Total Outflows: 16.75%
  • Significant surplus in short-term buckets (0-7 days: 304.60%, 8-14 days: 338.78%)
  • Deficits in medium-term buckets (1-2 months: -51.46%, 2-3 months: -44.66%)

Interest Rate Sensitivity Analysis (as of October 31, 2026)

Total Outflows: ₹39,84,283.27 lakh

Total Inflows: ₹46,51,840.37 lakh

Interest Rate Sensitivity Mismatch:

  • Cumulative Mismatch: ₹6,67,557.10 lakh
  • Mismatch as % of Total Outflows: 16.75%
  • Significant sensitivity mismatches across various maturity buckets

Off-Balance Sheet Items:

  • Total Outflow on account of OBS items: ₹91,169.89 lakh
  • Total Inflow on account of OBS items: ₹12,53,221.24 lakh
  • OBS Mismatch: ₹11,62,051.35 lakh (surplus)

Authorized Signatory

  • Name: Abhishek Mohan Yadav
  • Designation: Chief Compliance Officer
  • Office No.: 02243548204
  • Mobile No.: 9136525293
  • Date: 13-11-2026
  • Place: MUMBAI

Additional Notes

  • All values reported in ₹ Lakhs
  • Report covers both structural liquidity and interest rate sensitivity
  • Company maintains significant borrowing portfolio across various instruments including bank borrowings, commercial papers, and NCDs
  • Advances portfolio represents the largest inflow component
  • The statement shows overall liquidity surplus position with some maturity mismatches