Appendix Table VI.6: Financial Performance of NBFCs - Deposit Taking

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Published on December 28, 2021

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(Amount in ₹ crore)
	2018-19	2019-20	2020-21	H1: 2020-21
A. Total Income	61,468	66,574	67,083	35,247
(i) Fund Based Income	59,912	64,277	65,540	34,350
	(97.5)	(96.6)	(97.7)	(97.5)
(ii) Fee Based Income	1,555	131	107	83
	(2.5)	(0.2)	(0.2)	(0.2)
B. Expenditure	44,676	51,460	55,522	30,085
(i) Financial Expenditure	26,233	27,300	27,797	13,302
	(58.7)	(53.0)	(50.1)	(44.2)
of which, Interest payment	5,526	11,620	13,435	6,306
	(12.4)	(22.6)	(24.2)	(21.0)
(ii) Operating Expenditure	11,595	12,513	11,391	6,499
	(26.0)	(24.3)	(20.5)	(21.6)
(iii) Others	6,848	11,647	16,334	10,285
	(15.3)	(22.6)	(29.4)	(34.2)
C. Tax Provisions	5,566	4,398	2,912	887
D. Profit Before Tax	16,792	15,114	11,561	5,162
E. Net Profit	11,226	10,716	8,649	4,275
F. Total Assets	4,21,829	4,86,820	5,17,983	5,32,665
G. Financial Ratios (as Per cent of Total Assets)
(i) Income	14.6	13.7	13.0	6.6
(ii) Fund Income	14.2	13.2	12.7	6.4
(iii) Fee Income	0.4	0.0	0.0	0.0
(iv) Expenditure	10.6	10.6	10.7	5.6
(v) Financial Expenditure	6.2	5.6	5.4	2.5
(vi) Operating Expenditure	2.7	2.6	2.2	1.2
(vii) Tax Provision	1.3	0.9	0.6	0.2
(viii) Net Profit	2.7	2.2	1.7	0.8
H. Cost to Income (percentage)	70.0	72.5	78.4	82.2
Note: 1. Data are provisional. 2. Total income includes non-financial income as well, which is not reported in the table. 3. Excluding Core Investment Companies (CICs). 4. Figures in parentheses are share (in per cent) to respective total. 5. Percentage figures are rounded-off. Source: Quarterly returns of NBFCs-D, RBI.