# Collection Efficiency — One EMI Adjusted - Calculated as the amount collected (including arrears, advance collection and collections
done in the closed accounts), which is restricted to the demand of the month, as a percentage of the total amount due for collection in
such month (including the due against the accounts under the moratorium and Gross NPAs).

A Collection Efficiency - Calculated as the amount collected (including arrears, advance collection and collections done in the closed
accounts), as a percentage of the total amount due for collection in such month (including the due against the accounts under the
moratorium and Gross NPAs).

* Paying Customer - Calculated as the count of paying customers (including payment towards arrears, advance collections and
collections done in the closed accounts), which is restricted to the demand of the month, as a percentage of the total count of the
customers having due for collection in such month (including the due against the accounts under the moratorium and Gross NPAs).
** Collection efficiency (one EMI restricted) for secured business loans (excluding small ticket size secured business loans i.e.,
defocused customer segment with inadequate documentation or credit history) was 95.59% for the month of December 2020.

The table below sets forth details of our state-wise collection efficiency for the month ended June 30, 2020, September
30, 2020 and December 31, 2020:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Collection Efficiency (%) - One , ; : ; oh
EMI Adjusted? Collection Efficiency (%) Paying Customer” (%)
State | Month Month Month Month Month Month Month Month Month
ended | ended ended ended | ended ended ended | ended ended
June 30, | September | December | June 30, | September | December | June 30, | September | December
2020 30,2020 | 31,2020 | 2020 30,2020 | 31,2020 | 2020 30,2020 | 31, 2020
Chha
ttisga | 77.63% 76.73% | 93.69% | 77.69% 85.68% | 18.81% ] 75.40% 94.20% | 94.85%
th
ous 64.93% 81.91% 88.41% | 66.64% 90.57% | 14.27% | 60.88% 86.76% 88.93%
a 55.76% 79.20% | 87.79% | 56.00% 89.25% | 124,33% ] 49.15% 76.86% | 87.18%
Mad
49.75% 74.70% | 83.62% | 51.26% 89.26% | 126.61% | 43.98% 69.75% | 83.50%
esh
Mah
arash | 34.93% 60.77% 73.91% | 36.43% 66.04% | 104.72% | 28.68% 55.93% 72.29%
tra
pts 48.16% 66.59% | 84.95% | 49.95% 74.59% | 117.88% | 47.84% 66.66% | 85.51%
Tami
1 43.56% 70.60% | 82.96% | 44.34% 77.45% | 106.41% | 40.75% 69.22% | 82.73%
Nadu
Tela
ngan | 14.14% 91.80% | 96.64% | 14.17% 94.89% | 104.10% | 52.94% 71.79% | 92.86%
a
Uttar
Prad | 64.70% 81.25% | 92.27% | 65.86% 94.06% | 122.05% | 57.78% 77.60% | 90.93%
esh
Bale: 52.88% 85.63% | 80.74% | 52.88% 94.94% | 83.13%] 50.94% | 85.32% | 82.00%
pe 45.74% | 69.52% | 81.96% | 46.96% | 77.07% | 111.34% | 42.49% | 68.44% | 82.04%
Notes:

# Collection Efficiency — One EMI Adjusted - Calculated as the amount collected (including arrears, advance collection and collections
done in the closed accounts), which is restricted to the demand of the month, as a percentage of the total amount due for collection in
such month (including the due against the accounts under the moratorium and Gross NPAs).

’ Collection Efficiency - Calculated as the amount collected (including arrears, advance collection and collections done in the closed
accounts), as a percentage of the total amount due for collection in such month (including the due against the accounts under the
moratorium and Gross NPAs).

* Paying Customer - Calculated as the count of paying customers (including payment towards arrears, advance collections and
collections done in the closed accounts), which is restricted to the demand of the month, as a percentage of the total count of the
customers having due for collection in such month (including the due against the accounts under the moratorium and Gross NPAs).

Asset quality

151
