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Date : Dec 29, 2020
Appendix Table VI.5: Financial Performance of NBFCs - Deposit Taking
(Amount in ₹ crore)
  2018 2019 2020 H1:2020-21
A. Total Income 47,671 61,468 70,475 31,842
(i) Fund Based Income 46,806 59,912 67,985 31,205
  (98.2) (97.5) (96.5) (98.0)
(ii) Fee Based Income 864 1,555 2,490 637
  (1.8) (2.5) (3.5) (2.0)
B. Expenditure 37,085 44,676 54,898 26,086
(i) Financial Expenditure 20,140 26,233 30,768 16,677
  (54.3) (58.7) (56.0) (63.9)
of which Interest payment 4,853 5,526 7,020 9,271
  (13.1) (12.4) (12.8) (35.5)
(ii) Operating Expenditure 11,183 11,595 15,526 4,844
  (30.2) (26.0) (28.3) (18.6)
(iii) Others 5,762 6,848 8,604 4,565
  (15.5) (15.3) (15.7) (17.5)
C. Tax Provisions 3,621 5,566 4,464 1,490
D. Profit Before Tax 10,586 16,792 15,577 5,756
E. Net Profit 6,966 11,226 11,113 4,266
F. Total Assets 3,41,103 4,21,823 4,85,381 4,98,037
G. Financial Ratios (as Per cent of Total Assets)        
(i) Income 14.0 14.6 14.5 6.4
(ii) Fund Income 13.7 14.2 14.0 6.3
(iii) Fee Income 0.3 0.4 0.5 0.1
(iv) Expenditure 10.9 10.6 11.3 5.2
(v) Financial Expenditure 5.9 6.2 6.3 1.9
(vi) Operating Expenditure 3.3 2.7 3.2 1.0
(vii) Tax Provision 1.1 1.3 0.9 0.3
(viii) Net Profit 2.0 2.7 2.3 0.9
H. Cost to Income (percentage) 77.8 72.7 77.9 81.9
Notes: 1. Data are provisional.
2. Figures in parentheses are share (in per cent) to respective total.
Source: Quarterly Returns of NBFCs-ND-SI, RBI.

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