Appendix Table VI.4: Financial Performance of NBFCs - ND-SI

Published on December 29, 2020

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(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.