ROI vs Default Rate (Quarterly Data)

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The graph highlights quarterly data from FY17-Q1 to FY20-Q4 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

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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 18th April 2020

Long term loan performance (Bucket wise %)

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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.

Short term loan performance (Bucket wise %)

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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 CategoryPortfolio breakup (A)Default in Risk Category (B)*Potfolio Level Default (C = A x B)**
LOW0.06%0.00%0.00%
MODERATE6.03%5.92%0.36%
HIGH21.35%5.87%1.25%
VERY HIGH18.46%4.59%0.85%
ULTRA HIGH4.55%3.71%0.17%
UNIDENTIFIED49.55%6.50%3.22%
GRAND TOTAL100.00%5.85% ***

* Denotes default within a particular risk category

** Denotes the default contribution of a particular risk category in the overall portfolio platform.

*** This include increase in defaults due to national lockdown under the impact of COVID-19

This data is as on 31st March 2020