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| Operational highlights – |
| For the Year |
March '06 |
March '07 |
March '08 |
March '09 |
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| Gross Portfolio Outstanding (Rs lakhs) |
923.33 |
1786.07 |
1956.60 |
1807.92 |
| Number of Borrowers |
3,328 |
3,770 |
4,232 |
6,759 |
| Total Staff |
35 |
46 |
58 |
77 |
| Total branches |
1 |
3 |
3 |
4 |
| External borrowings (Rs lakhs) |
727.35 |
866.78 |
1,148.88 |
977.59 |
| NOF (Rs Lakhs) |
546.70 |
597.09 |
664.10 |
733.09 |
| Average Outstanding loan size (Rs) |
21,589 |
35,953 |
37,736 |
26,748 |
| Repayment Rate |
98.9% |
97.7% |
97.1% |
97.2% |
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| Key financial ratios for last four years |
| Key Ratio |
March '06 |
March '07 |
March '08 |
March '09 |
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| Capital Adequacy |
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| Risk Weighted Capital Adequacy ratio |
58.8% |
39.6% |
35.5% |
46.96% |
| Repayment Rate |
98.9% |
97.7% |
97.1% |
97.2% |
| Debt Equity Ratio |
1.33 |
1.45 |
1.73 |
1.34 |
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| Profitability |
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| Loan Portfolio Yield |
28.8% |
30.1% |
25.9% |
25.10% |
| Return on Networth |
12.4% |
10.4% |
8.44% |
10.09% |
| Return on Assets |
4.97% |
5.96% |
6.34% |
6.25% |
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