Strong Credit Enhancement: Total credit enhancement of ~6.5x the estimated pool losses (4.25%), including 6% cash collateral (Rs. 4.37 crore) and 10% principal subordination.
Granular Loan Pool: 18,925 contracts with no single loan exceeding 0.01% of the pool principal, minimizing concentration risk.
Zero Overdues: Pool filtered to exclude overdue contracts, ensuring 100% current repayment status at cutoff.
Seasoned Portfolio: Pool amortized by 19% with no delinquencies post-disbursement, reflecting borrower reliability.
Experienced Originator: IIFL Samasta has 17+ years of microfinance operations and a Rs. 11,556 crore portfolio (as of Dec 2024).