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| Operational highlights – |
| For the Year |
March '07 |
March '08 |
March '09 |
March '10 |
March '11 |
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| Gross Portfolio Outstanding (Rs lakhs) |
1786.07 |
1956.60 |
1807.92 |
2935.49 |
5,588.49 |
| Number of Borrowers |
3,770 |
4,232 |
6,759 |
14,199 |
46,381 |
| Total Staff |
46 |
58 |
77 |
145 |
206 |
| Total branches |
3 |
3 |
4 |
8 |
20 |
| External borrowings (Rs lakhs) |
866.78 |
1,148.88 |
977.59 |
1,933.36 |
3,951.43 |
| NOF (Rs Lakhs) |
597.09 |
664.10 |
733.09 |
783.28 |
926.59 |
| Average Outstanding loan size (Rs) |
35,953 |
37,736 |
26,748 |
20,674 |
9,491.39 |
| Repayment Rate |
97.7% |
97.1% |
97.2% |
98.5% |
98.7% |
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| Key financial ratios for last four years |
| Key Ratio |
March '07 |
March '08 |
March '09 |
March '10 |
March '11 |
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| Capital Adequacy |
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| Risk Weighted Capital Adequacy ratio |
39.6% |
35.5% |
46.96% |
33.17% |
19.74% |
| Repayment Rate |
97.7% |
97.1% |
97.2% |
98.5% |
98.7% |
| Debt Equity Ratio |
1.45 |
1.73 |
1.34 |
2.40 |
4.26 |
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| Profitability |
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| Loan Portfolio Yield |
30.1% |
25.9% |
25.10% |
27.08% |
30.59% |
| Return on Networth |
10.4% |
8.44% |
9.41% |
9.70% |
21.21% |
| Return on Assets |
5.96% |
6.34% |
5.86% |
5.05% |
5.02% |
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