Classification of Investments

 

Nine Months ended December 31,

 

 

 

 

 

 

 

 

 

(1) Investments that our Bank intends to hold till maturity are classified as “Held to Maturi
(2) Investments, which are not classified as “Held to Maturity” and “Held for Trading”,
(3) Investments that are held with the intention to trade by taking advantage of short-term price / interest movements are classified as “Held for Trading”.

 

 

2019 2020
2),
Held to Maturity 3,984.09 5,311.90
Available for Sale © 4,841.01 9,802.51
Held for Trading °) 103.16 -
Total 8,928.26 15,114.41
Notes:

classified as “Available for Sale” investments.

 

 

 

 

 

 

 

 

 

 

 

 

 

Year ended March 31,
2018 2019 2020
(& million)
Held to Maturity © 2,369.41 2,651.16 4,080.81
Available for Sale 7) 744.02 3,992.77 4,001.17
Held for Trading © = = -
Total 3,113.43 6,643.93 8,081.98
Notes:
(1) Investments that our Bank intends to hold till maturity are classified as “Held 10 Maturity”.
2) Investments, which are not classified as “Held to Maturity” and “Held for Trading”, are classified as “Available for Sale” investments.
(3) Investments that are held with the intention to trade by taking advantage of short-term price / interest movements are classified as “Held for Trading”.

Loan Portfolio

As of December 31, 2020, our Bank’s Gross Loan Portfolio was = 39,082.29 million. The Bank’s Gross Loan Portfolio

comprises borrowers in India.

The tables below set forth our Bank’s Gross Loan Portfolio by product as of March 31, 2018, 2019 and 2020 and as of December

31, 2019 and 2020:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

‘As of December 31,
2019 2020
Amount % of Total Amount % of Total
@ million, except percentages)
Inclusive Finance Loans 27,263.47 75.73% 27,495.76 70.35%
Commercial Vehicle Loans 3,473.79 9.65% 3,680.09 9.42%
Affordable Housing Loans 1,572.25, 4.37% 2,460.30 6.30%
Micro Business Loans (T-Nagar) 374.32 1.04% 386.72 0.99%
Unsecured MSME/SME Loans 526.08 1.46% 399.46 1.02%
Secured Business Loans 7,004.41 2.79% 1,420.32 3.63%
Pande, stmermiedlary ‘Grown 885.38 2.46% 1,866.96 4.78%
Others 398.84 2.50% 1,372.68 3.51%
Gross Loan Portfolio 35,998.54 100.00% 39,082.29 100.00%
Notes:
qd Unsecured MSME/SME Loans were defocused in Fiscal 2020.
(2) Others includes overdraft against deposits and staff loans.
As of March 31,
2018 2019 2020
million) | % oftotal | (million) | % oftotal | (million) | % of total
Inclusive Finance Loans 15,441.32 89.89% 24,191.24 81.44% 28,147.75. 75.85%
Commercial Vehicle Loans 85.48 0.50% 2,185.14 74% 3,705.49 9.99%
Affordable Housing Loans 219.00 1.27% 796.76 2.68% 1,811.84 4.88%
Micro Business Loans (T-Nagar) 63.23 0.37% 273.12 0.92% 428.13 1.15%
Unsecured MSME/SME Loans 826.32 4.81% 966.79 3.25% 375.05, 1.01%
Secured Business Loans 351.56 2.05% 675.34 2.27% 1,062.51 2.86%
Financial Intermediary Group Loans 90.80 0.53% 484.43 1.63% 1,004.88 2.72%
Others 100.13 0.58% 131.60 0.44% 572.77 1.54%
Gross Loan Portfolio 17,177.84 100.00% 29,704.42 100.00% 37,108.42 100.00%

 

 

 

 

 

 

 

Notes:

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