Date: September 15, 2026

Company Classification

  • Institution Type: NBFC
  • Category: Non-Deposit taking Systemically Important (NDSI) NBFC
  • Classification: NBFC - Investment and Credit Company (NBFC ICC) comprising Loan Company (LC)/Asset Finance Company (AFC)/Investment Company (IC)
  • Reporting Currency: INR
  • Reporting Scale: Lakhs
  • Report Status: Un-Audited

Structural Liquidity Position (Table 2)

Total Outflows: ₹33,90,210.68 lakhs

Breakdown by Category:

  • Capital: ₹9,621.54 lakhs (all equity capital in over 5 years bucket)
  • Reserves & Surplus: ₹7,16,407.58 lakhs (all in over 5 years bucket)
  • Share Premium Account: ₹3,79,663.82 lakhs
  • General Reserves: ₹7,025.92 lakhs
  • Statutory/Special Reserve: ₹69,542.74 lakhs
  • Others: ₹3,895.37 lakhs (Employee stock)
  • Balance of P&L: ₹2,56,279.73 lakhs
  • Borrowings: ₹21,12,223.26 lakhs (primary outflow driver)
  • Bank Borrowings: ₹16,75,965.81 lakhs (79.3% of total borrowings)
  • Term Money Borrowings: ₹15,94,054.90 lakhs
  • WCDL: ₹56,700.00 lakhs
  • Cash Credit: ₹1,500.00 lakhs
  • ECBs: ₹23,710.91 lakhs
  • Commercial Papers: ₹50,556.00 lakhs
  • NCDs: ₹1,47,487.75 lakhs (all secured)
  • Subscribed by Retail Investors: ₹56,514.95 lakhs
  • Subscribed by Others: ₹90,972.80 lakhs
  • Borrowings from Others: ₹2,29,913.70 lakhs
  • Security Finance Transactions: ₹41,190.13 lakhs
  • Current Liabilities & Provisions: ₹4,44,245.48 lakhs
  • Interest payable: ₹3,89,550.86 lakhs
  • Other Provisions: ₹26,125.78 lakhs
  • Off Balance Sheet Exposure: ₹8,066.42 lakhs
  • Lines of credit committed: ₹8,066.42 lakhs

Maturity Profile of Borrowings:

  • 0-7 days: ₹29,256.31 lakhs
  • 8-14 days: ₹5,478.41 lakhs
  • 15-30 days: ₹67,491.64 lakhs
  • 1-2 months: ₹71,041.87 lakhs
  • 2-3 months: ₹39,040.91 lakhs
  • 3-6 months: ₹1,68,370.27 lakhs
  • 6-12 months: ₹2,77,892.63 lakhs
  • 1-3 years: ₹9,98,324.57 lakhs
  • 3-5 years: ₹3,82,999.74 lakhs
  • Over 5 years: ₹72,326.91 lakhs

Total Inflows: ₹41,51,499.09 lakhs

Breakdown by Category:

  • Cash: ₹3,570.43 lakhs
  • Balances with Banks: ₹55,035.74 lakhs
  • Current Account: ₹53,565.93 lakhs
  • Deposit Accounts: ₹1,469.81 lakhs
  • Investments: ₹2,20,864.91 lakhs
  • Listed Investments: ₹1,30,174.91 lakhs
  • Unlisted Investments: ₹84,975.00 lakhs
  • Others: ₹5,715.00 lakhs
  • Advances (Performing): ₹37,65,693.68 lakhs
  • Term Loans: ₹26,10,030.17 lakhs
  • Regular Payment Schedule: ₹11,97,593.76 lakhs
  • Bullet Payment: ₹14,12,436.41 lakhs
  • Interest through regular schedule: ₹7,91,263.61 lakhs
  • Interest through bullet payment: ₹3,64,399.90 lakhs
  • Gross Non-Performing Loans: ₹25,877.02 lakhs
  • Substandard: ₹22,720.28 lakhs
  • Doubtful and loss: ₹3,156.74 lakhs
  • Fixed Assets: ₹33,983.71 lakhs
  • Other Assets: ₹43,165.08 lakhs

Liquidity Mismatch Analysis

  • Cumulative Mismatch (B - A): ₹7,61,288.41 lakhs (surplus)
  • Mismatch as % of Total Outflows: 22.46%
  • The company maintains positive mismatches across most time buckets, indicating strong liquidity positioning

Interest Rate Sensitivity (Table 3)

Interest-Bearing Liabilities: ₹21,12,223.26 lakhs

Rate Type Classification:

  • Floating Rate Borrowings: ₹16,75,965.81 lakhs (79.3% of total borrowings)
  • Fixed Rate Borrowings: Not explicitly quantified but implied from structural liquidity data

Interest-Earning Assets: ₹26,10,030.15 lakhs (Term Loans)

Rate Type Classification:

  • Fixed Rate Advances: ₹17,37,394.76 lakhs (66.6% of term loans)
  • Floating Rate Advances: ₹8,72,635.39 lakhs (33.4% of term loans)

Interest Rate Sensitivity Gap

  • The company has significant exposure to floating rate borrowings, making it sensitive to interest rate changes
  • The asset-liability mix suggests some natural hedging with both fixed and floating rate assets

Off-Balance Sheet Items (Table 4)

  • Total Expected Outflows: ₹8,066.42 lakhs (all from lines of credit committed to other institutions)
  • Total Expected Inflows: ₹11,58,905.69 lakhs (primarily from other contingent inflows)
  • Net OBS Mismatch: ₹11,50,839.27 lakhs (surplus)

Authorized Signatory

  • Name: Abhishek Mohan Yadav
  • Designation: Chief Compliance Officer
  • Contact: Office - 02243548204, Mobile - 9136525293
  • Date and Place: September 15, 2026, Mumbai

Reporting Details

  • Reporting Frequency: Monthly
  • Reporting Period: August 1, 2026 to August 31, 2026
  • Return Code: R228
  • Institution Code: MUM08037
  • Taxonomy Version: 1.1.0
  • Tool Name: RBI iFile
  • Tool Version: 1.0.0