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Date : Dec 29, 2020
Appendix Table VI.4: Financial Performance of NBFCs - ND-SI
(Amount in ₹ crore)
  2018 2019 2020 H1:2020-21
A. Total Income 2,50,004 2,77,589 3,12,326 1,56,515
(i) Fund Based Income 2,33,346 2,59,703 2,92,270 1,51,560
  (93.3) (93.6) (93.6) (96.8)
(ii) Fee Based Income 8,472 8,968 9,353 4,955
  (3.4) (3.2) (3.0) (3.2)
B. Expenditure 2,00,469 2,54,428 2,64,387 1,10,857
(i) Financial Expenditure 1,11,508 1,33,483 1,53,085 71,852
  (55.6) (52.5) (57.9) (64.8)
of which Interest payment 44,712 65,539 78,014 37,683
  (22.3) (25.8) (29.5) (34.0)
(ii) Operating Expenditure 33,755 40,463 46,327 20,157
  (16.8) (15.9) (17.5) (18.2)
(iii) Others 55,206 80,482 64,976 18,848
  (27.5) (31.6) (24.6) (17.0)
C. Tax Provisions 14,375 17,280 13,330 7,533
D. Profit Before Tax 49,535 23,160 47,938 45,658
E. Net Profit 35,160 5,881 34,608 38,125
F. Total Assets 22,39,960 26,91,076 29,03,886 30,87,817
G. Financial Ratios (as Per cent of Total Assets)        
(i) Income 11.2 10.3 10.8 5.1
(ii) Fund Income 10.4 9.7 10.1 4.9
(iii) Fee Income 0.4 0.3 0.3 0.2
(iv) Expenditure 8.9 9.5 9.1 3.6
(v) Financial Expenditure 5.0 5.0 5.3 1.2
(vi) Operating Expenditure 1.5 1.5 1.6 0.7
(vii) Tax Provision 0.6 0.6 0.5 0.2
(viii) Net Profit 1.6 0.2 1.2 1.2
H. Cost to Income (percentage) 80.2 91.7 84.7 70.8
Notes: 1. Data are provisional.
2. Figures in parentheses are share (in per cent) to respective total.
3. Total income includes non-financial income as well, which is not reported in the table.
Source: Quarterly Returns of NBFCs-ND-SI, RBI.

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