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Date : Dec 28, 2021
Appendix Table VI.6: Financial Performance of NBFCs - Deposit Taking
(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.

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