Appendix Table VI.6: Financial Performance of NBFC-UL

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ప్రచురించబడిన తేదీ డిసెంబర్ 29, 2025

Appendix Table VI.6: Financial Performance of NBFC-UL

(₹ crore)
Items	2022-23	2023-24	2024-25	H1:2025-26
1	2	3	4	5
A. Total Income	1,41,310	1,82,115	2,38,342	1,42,597
of which: (i) Fund Based Income	1,32,676	1,71,480	2,26,220	1,33,048
	(93.9)	(94.2)	(94.9)	(93.3)
(ii) Fee Based Income	2,424	4,219	5,264	3,161
	(1.7)	(2.3)	(2.2)	(2.2)
B. Expenditure	1,02,181	1,30,395	1,74,008	1,06,522
(i) Financial Expenditure	52,579	72,748	97,952	59,104
	(51.5)	(55.8)	(56.3)	(55.5)
of which: Interest payment	29,132	42,930	59,696	36,313
	(28.5)	(32.9)	(34.3)	(34.1)
(ii) Operating Expenditure	30,588	37,349	46,287	26,204
	(29.9)	(28.6)	(26.6)	(24.6)
(iii) Others	19,014	20,298	29,769	21,214
	(18.6)	(15.6)	(17.1)	(19.9)
C. Tax Provisions	10,373	13,102	15,460	9,063
D. Profit Before Tax	39,129	51,720	64,334	36,075
E. Net Profit	28,756	38,618	48,873	27,012
F. Total Assets	10,71,050	13,59,521	17,81,991	19,98,860
G. Financial Ratios (as per cent of total assets)
(i) Income	13.2	13.4	13.4	14.3
(ii) Fund Income	12.4	12.6	12.7	13.3
(iii) Fee Income	0.2	0.3	0.3	0.3
(iv) Expenditure	9.5	9.6	9.8	10.7
(v) Financial Expenditure	4.9	5.4	5.5	5.9
(vi) Operating Expenditure	2.9	2.8	2.6	2.6
(vii) Tax Provision	1.0	1.0	0.9	0.9
(viii) Net Profit	2.7	2.8	2.7	2.7
H. Cost to Income Ratio (per cent)	55.9	52.7	54.2	56.8
- : Not applicable or Not available or Nil Cost to Income Ratio = (Total expenditure-interest expenses)/ (Total income-interest expenses) *100. Notes: 1. Data are provisional. Percentage figures are rounded-off. 2. Data for NBFCs (excluding CICs, HFCs and SPDs) falling in upper and middle layers. 3. The data is based on the classification of NBFCs by layers as per the list of NBFCs registered with the RBI. Layer-wise identification of NBFCs up to March-2025 is based on their position as on December 31, 2024. For September-2025, the same position is considered, except where there was change in layer of NBFC between January and September 2025. 4. Figures in paranthesis are share (in per cent) to respective total. 5. Financial ratios for H1:2025-26 have been annualised. Source: Supervisory returns, RBI.