Portfolio Performance Data

ROI vs Default Rate (Quarterly Data)

The graph highlights quarterly data from FY17-Q1 to FY22-Q1 comparing the weighted average rate of return over the default rate.

*As per the platform data submitted to the Reserve Bank of India (RBI)

Returns Comparison

Here’s a comparison of returns received in multiple investment instruments.

* Weighted average of all debt funds

** The above data is, 3 year annualised return as on 30th December 2020

Long term loan performance (Bucket wise %)

The bar graph represents the percentage of borrowers for long term loan products covering various loan buckets.

Long term loans are those beyond 12 months tenure.

ROI vs Default Rate (Quarterly Data)

The bar graph represents the percentage of borrowers for short term loan products covering various loan buckets.

Short term loans are those with up to 12 months tenure.

Risk category-wise break-up

Risk Category Portfolio breakup (A) Default in Risk Category (B)* Potfolio Level Default (C = A x B)**
LOW79.97%3.28%2.62%

MODERATE

0.99%7.11%0.07%

HIGH

2.90%10.17%9.52%

VERY HIGH

2.39%10.17%0.30%

ULTRA HIGH

1.88%5.16% 0.10%

UNIDENTIFIED

11.87%9.59% 1.14%

GRAND TOTAL

100.00% 4.45% ***

* This represents default within that risk category (Sum of principal outstanding of loans which have passed 90 Days of Delay)

** This number represents default contribution of a particular risk category in overall portfolio of platform

This data is as on 30th June 2021