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Date : Dec 28, 2021
Appendix Table VI.5: Financial Performance of NBFCs - NDSI
(Amount in ₹ crore)
  2018-19 2019-20 2020-21 H1: 2020-21
A. Total Income 2,46,441 2,75,651 2,86,324 1,39,464
(i) Fund Based Income 2,31,082 2,58,821 2,69,100 1,32,665
  (93.8) (93.9) (94.0) (95.1)
(ii) Fee Based Income 8,619 8,671 8,333 3,265
  (3.5) (3.1) (2.9) (2.3)
B. Expenditure 2,03,285 2,34,347 2,38,837 1,08,239
(i) Financial Expenditure 1,24,731 1,42,789 1,39,775 67,187
  (61.4) (60.9) (58.5) (62.1)
of which, Interest payment 63,436 67,596 68,750 33,284
  (31.2) (28.8) (28.8) (30.8)
(ii) Operating Expenditure 37,786 42,144 39,193 18,947
  (18.6) (18.0) (16.4) (17.5)
(iii) Others 40,767 49,414 59,868 22,106
  (20.1) (21.1) (25.1) (20.4)
C. Tax Provisions 17,027 12,849 11,413 6,508
D. Profit Before Tax 43,157 41,303 47,487 31,224
E. Net Profit 26,130 28,454 36,074 24,717
F. Total Assets 24,03,310 25,94,456 29,57,352 29,78,006
G. Financial Ratios (as Per cent of Total Assets)        
(i) Income 10.3 10.6 9.7 4.7
(ii) Fund Income 9.6 10.0 9.1 4.5
(iii) Fee Income 0.4 0.3 0.3 0.1
(iv) Expenditure 8.5 9.0 8.1 3.6
(v) Financial Expenditure 5.2 5.5 4.7 2.3
(vi) Operating Expenditure 1.6 1.6 1.3 0.6
(vii) Tax Provision 0.7 0.5 0.4 0.2
(viii) Net Profit 1.1 1.1 1.2 0.8
H. Cost to Income (percentage) 76.4 80.1 78.2 70.6
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-NDSI, RBI.

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