Total assets increased by 42.63% from % 37,612.03 million as of March 31, 2019 to % 53,645.22 million as of March 31, 2020.
This increase was primarily due to an increase in advances by 31.81% from % 26,795.84 million as of March 31, 2019 to =
35,319.44 million as of March 31, 2020.

Total assets increased by 74.46% from % 21,559.64 million as of March 31, 2018 to % 37,612.03 million as of March 31, 2019.
This increase was primarily due to an increase in advances by 70.82% from % 15,686.78 million as of March 31, 2018 to =
26,795.84 million as of March 31, 2019.

Advances

The following table sets forth a breakdown of total advances as of the dates indicated:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of March 31, As of December 31,
2018 2019 2020 2019 2020
@million)

Bills, purchased and discounted 7 = - = =
Cash credits, overdrafts and loans 87.18 119.89 559.68 884.16 1,361.71
repayable on demand
Term loans 15,599.60 26,675.95 34,759.76 32,724.87 36,460.92
Total 15,686.78 26,795.84 35,319.44 33,609.03 37,822.63
Secured by tangible assets 813.50 4,201.34 7,949.37 7,662.16 9,610.15
Covered by bank’ government =
guarantees
Unsecured 14,873.28 22,594.50 27,370.07 25,946.87 28,212.48
Total 15,686.78 26,795.84 35,319.44 33,609.03 37,822.63
‘Advances in India
Priority sector 2,161.70 3,736.16 6,857.11 7,501.81 11,095.31
Public sector : 2 7 - :
Banks : 113.50 115.61 5.00
Others 13,525.08 23,059.68 28,348.83 25,991.61 26,722.32
Total 15,686.78 26,795.84 35,319.44 33,609.03 37,822.63

 

 

 

 

 

 

 

 

Advances comprise inclusive finance (JLG) loans, home loans, commercial vehicle loans, secured and unsecured business loans
and financial intermediary group loans.

Total advances increased by 12.54% from % 33,609.03 million as of December 31, 2019 to % 37,822.63 million as of December
31, 2020. This increase was primarily due to increase in disbursement of home loans, secured business loans and financial
intermediary group loans.

Total advances increased by 31.81% from % 26,795.84 million as of March 31, 2019 to = 35,319.44 million as of March 31,
2020 and by 70.82% from 2 15,686.78 million as of March 31, 2018 to = 26,795.84 million as of March 31, 2019, primarily
due to increase in disbursements on account of improved productivity, opening of new Banking Outlets and increase in focus
on new customer acquisition.

Investments

Our investments primarily represent investments in government securities.

Investments increased by 69.29% from 2 8,928.26 million as of December 31, 2019 to = 15,114.41 million as of December 31,
2020, primarily due to an increase in investment in government securities to meet SLR requirements and surplus liquidity
maintained in SLR securities as part of risk management. Investment in Government securities increased by 89.57% from =

7,939.77 million as of December 31, 2019 to 2 15,051.36 million as of December 31, 2020.

Investments increased by 21.64% from 2 6,643.93 million as of March 31, 2019 to & 8,081.98 million as of March 31, 2020,
325
