Date: November 13, 2026

Structural Liquidity Analysis

Total Outflows: ₹14,01,468.66 lakhs

Breakdown by Time Buckets:

  • 0 day to 7 days: ₹6,725.86 lakhs
  • 8 days to 14 days: ₹2,894.31 lakhs
  • 15 days to 30/31 days: ₹50,508.51 lakhs
  • Over 1 month to 2 months: ₹72,004.98 lakhs
  • Over 2 months to 3 months: ₹40,141.87 lakhs
  • Over 3 months to 6 months: ₹1,37,251.83 lakhs
  • Over 6 months to 1 year: ₹3,27,700.46 lakhs
  • Over 1 year to 3 years: ₹3,96,865.98 lakhs
  • Over 3 years to 5 years: ₹44,083.46 lakhs
  • Over 5 years: ₹6,37,227.82 lakhs

Capital Structure:

  • Equity Capital: ₹16,776.70 lakhs (non-sensitive)
  • Reserves & Surplus: ₹2,90,990.80 lakhs (non-sensitive)
  • Share Premium Account: ₹1,60,573.60 lakhs
  • Reserves under Sec 45-IC of RBI Act 1934: ₹27,878.20 lakhs
  • Balance of profit and loss account: ₹77,668.90 lakhs
  • Other items: ₹24,870.10 lakhs

Borrowings Composition: ₹10,22,010.38 lakhs

Bank Borrowings: ₹8,26,690.36 lakhs

  • Term Money Borrowings: ₹4,96,109.42 lakhs
  • Fixed rate: ₹23,300.33 lakhs
  • Floating rate: ₹4,72,809.09 lakhs
  • ECBs: ₹1,28,440.41 lakhs
  • Other bank borrowings: ₹2,02,140.53 lakhs

Other Borrowings:

  • Commercial Papers: ₹74,537.73 lakhs
  • To Banks: ₹3,426.79 lakhs
  • Non-Convertible Debentures: ₹1,17,355.50 lakhs (Fixed rate)
  • Subscribed by NBFCs: ₹95,887.50 lakhs
  • Subscribed by Insurance Companies: ₹2,500.00 lakhs
  • Subscribed by Banks: ₹300.00 lakhs
  • Unsecured NCDs: ₹18,668.00 lakhs

Current Liabilities & Provisions: ₹52,435.88 lakhs

  • Sundry creditors: ₹2,421.50 lakhs
  • Expenses payable: ₹5,505.80 lakhs
  • Interest payable: ₹3,259.82 lakhs
  • Provisions for Standard Assets: ₹9,736.76 lakhs
  • Provisions for NPAs: ₹28,962.60 lakhs
  • Other provisions: ₹2,549.40 lakhs

Total Inflows: ₹14,01,468.66 lakhs

Liquid Assets:

  • Cash: ₹115.66 lakhs
  • Balances with Banks: ₹62,478.56 lakhs
  • Current Account: ₹19,224.30 lakhs
  • Deposit Accounts: ₹43,254.26 lakhs

Investments: ₹1,13,664.20 lakhs

  • Government Securities: ₹22,398.00 lakhs (current)
  • Other fixed income securities: ₹91,266.20 lakhs (over 5 years)
  • Unlisted investments: ₹25,139.10 lakhs (over 5 years)
  • Others (mutual funds): ₹66,127.10 lakhs

Performing Advances: ₹10,29,625.51 lakhs

  • Through regular payment schedule across all time buckets
  • Fixed rate term loans: ₹10,11,561.89 lakhs

Non-Performing Loans: ₹45,497.40 lakhs

  • Substandard category: ₹45,497.40 lakhs (over 3-5 years)

Other Assets: ₹1,43,443.53 lakhs

  • Fixed assets: ₹6,643.80 lakhs
  • Intangible assets: ₹12,441.10 lakhs
  • Other items: ₹1,31,002.43 lakhs

Liquidity Mismatch Analysis

Cumulative Mismatch Position:

  • Positive cumulative mismatch across all time buckets ending at ₹0.00 lakhs
  • Highest surplus in 0-7 days bucket: ₹34,857.43 lakhs (518.26% of outflows)
  • Cumulative mismatch as % of cumulative outflows ranges from 474.77% (8-14 days) to 0.00% (final bucket)

Interest Rate Sensitivity Analysis

Rate Sensitive Liabilities: ₹8,19,869.85 lakhs

Floating Rate Exposure: Significant majority

  • Bank borrowings: ₹6,24,549.83 lakhs primarily floating rate
  • Other borrowings: ₹74,537.73 lakhs
  • NCDs: ₹1,17,355.50 lakhs (fixed rate)

Rate Sensitive Assets: ₹10,29,625.51 lakhs

  • Performing advances: ₹10,29,625.51 lakhs (fixed rate)
  • Investments: ₹1,13,664.20 lakhs

Interest Rate Mismatch

Cumulative Mismatch Position:

  • Positive cumulative mismatch ending at ₹0.00 lakhs
  • Significant positive mismatch in shorter buckets (230.71% in 0-7 days)
  • Negative mismatch in some medium-term buckets (-21.60% in 1-2 months)
  • Overall cumulative mismatch as % of cumulative outflows: 20.55% at peak

Off-Balance Sheet Items

  • No material off-balance sheet exposures reported
  • All derivative exposures, guarantees, and commitments show zero values across all time buckets

Key Observations

  • The company maintains strong liquidity position with cumulative surplus across all time buckets
  • Borrowings are predominantly from banks with significant floating rate exposure
  • Assets primarily consist of fixed-rate term loans to customers
  • No material interest rate or liquidity gaps identified in the analysis
  • Compliance with SEBI regulatory requirements for monthly ALM reporting