Key Financial Data

Structural Liquidity Position (as of August 31, 2026, in ₹ Lakhs)

Outflows:

  • Total Outflows: ₹13,71,384.02
  • Capital: ₹16,776.70 (all in over 5 years bucket)
  • Reserves & Surplus: ₹2,79,089.40 (all non-sensitive)
  • Share Premium Account: ₹1,60,573.60
  • Reserves under Sec 45-IC of RBI Act 1934: ₹25,610.20
  • Balance of profit and loss account: ₹24,332.30
  • Gifts, Grants, Donations & Benefactions: ₹68,573.30
  • Borrowings: ₹9,96,937.85 (detailed maturity profile)
  • Bank Borrowings: ₹8,03,583.59
  • Term Money Borrowings: ₹4,87,339.57
  • ECBs: ₹1,32,561.41
  • Other bank borrowings: ₹1,83,682.61
  • Commercial Papers: ₹92,624.57
  • To Banks: ₹3,374.19 (15-30 days)
  • Non-Convertible Debentures: ₹97,355.50
  • Secured: ₹97,355.50
  • Subscribed by NBFCs: ₹75,887.50
  • Subscribed by Banks: ₹300.00
  • Subscribed by Insurance: ₹2,500.00
  • Others: ₹18,668.00
  • Current Liabilities & Provisions: ₹60,949.97
  • Expenses payable: ₹2,361.40
  • Advance income received: ₹1,812.00
  • Interest payable: ₹4,745.00
  • Provisions for Standard Assets: ₹10,073.37
  • Provisions for NPAs: ₹39,637.00
  • Other Provisions: ₹2,321.20
  • Statutory Dues: ₹1,006.60 (15-30 days)
  • Other Outflows: ₹16,623.50

Inflows:

  • Total Inflows: ₹13,71,384.02
  • Cash: ₹185.90 (0-7 days)
  • Balances with Banks: ₹76,385.98
  • Current Account: ₹29,887.70 (0-7 days)
  • Deposit Accounts: ₹46,498.28 (across maturity buckets)
  • Investments: ₹83,853.30
  • Listed Investments: ₹12,391.20 (15-30 days, Government Securities)
  • Unlisted Investments: ₹26,145.10 (over 5 years)
  • Others (Mutual Funds): ₹45,317.00 (15-30 days)
  • Advances (Performing): ₹10,71,731.87
  • Through Regular Payment Schedule across all maturity buckets
  • Non-Performing Loans: ₹53,437.30 (over 3-5 years, Sub-standard category)
  • Fixed Assets: ₹6,684.10 (non-sensitive)
  • Other Assets: ₹79,105.57 (non-sensitive)
  • Intangible assets: ₹12,561.30
  • Other items: ₹66,544.27

Liquidity Mismatch Analysis:

  • 0-7 days: ₹48,670.77 positive (907.59% of outflows)
  • 8-14 days: ₹4,233.61 positive (39.67% of outflows)
  • 15-30 days: ₹30,329.71 positive (50.09% of outflows)
  • 1-2 months: ₹11,541.78 positive (25.15% of outflows)
  • 2-3 months: ₹17,829.15 positive (40.55% of outflows)
  • 3-6 months: ₹12,784.43 positive (8.80% of outflows)
  • 6 months-1 year: ₹-18,168.16 negative (-5.82% of outflows)
  • 1-3 years: ₹1,18,714.43 positive (31.34% of outflows)
  • 3-5 years: ₹2,25,995.53 positive (0.10% of outflows)
  • Over 5 years: ₹-2,25,995.53 negative (-72.56% of outflows)

Interest Rate Sensitivity Position

Rate Sensitive Liabilities: ₹8,13,255.24

  • Primarily consists of borrowings with detailed fixed/floating rate breakdown

Rate Sensitive Assets: ₹11,55,520.74

  • Includes investments, advances, and other interest-earning assets

Interest Rate Mismatch:

  • Significant positive mismatches in shorter tenors (0-7 days: 346.79%)
  • Negative mismatch in 6 months-1 year bucket: -5.82%
  • Overall cumulative mismatch percentage ranges from 346.79% in immediate bucket to 25.94% in over 5 years

Off-Balance Sheet Items

  • No material off-balance sheet exposures reported
  • All derivative exposures, guarantees, commitments shown as nil