Min. Investment ₹10,000
Stable Credit Rating: Rated CARE A-; Stable for NCDs and long-term bank facilities, indicating moderate creditworthiness.
Growing Loan Portfolio: Loan book grew 8% YoY to ₹3,523 crore as of March 31, 2024.
Extensive Branch Network: Operates 920 branches across 12 states/UTs, with strong market penetration in South India.
Adequate Capitalization: Capital Adequacy Ratio (CAR) at 24.00% (Tier-I CAR at 17.51%) as of September 2024.
Stable Profitability: Reported ROTA of 1.91% in FY24, maintaining stable earnings despite cost pressures.
Low Credit Risk: Focus on secured gold loans ensures liquidity and collateral-backed lending.
Improved Asset Quality: GNPA and NNPA at 0.87% and 0.63%, respectively, as of September 30, 2024.
Diversified Funding Profile: Bank borrowings accounted for 56% of total funding; NCDs and CPs provide additional liquidity.
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