RBI and Government of India Initiatives

The Government of India has announced various measures, such as emergency credit line guarantee scheme (“ECLGS”)
for corporate and retail customers and loan restructuring. During the nine months ended December 31, 2020, our Bank
has disbursed 29,747 ECLGS loans amounting to = 337.57 million. Our Bank has also restructured 12 accounts having
outstanding loan balance of % 23.44 million, under the aforementioned restructuring schemes to tackle COVID-19 related
stress and to support the MSMEs.

On October 23, 2020, the Government of India announced a scheme for the grant of ex-gratia payments to borrowers of
certain categories of loans where the sanctioned limit and outstanding amount does not exceed % 20 million irrespective
of whether they opted for the moratorium or not (aggregate of all facilities with the lender) of the difference between
compound interest and simple interest charged on those loans for the period March 1, 2020 to August 31, 2020. The
scheme involves the lenders crediting the difference between simple interest and compound interest for the period between
March 1, 2020 to August 31, 2020 to the accounts of such borrowers and the government paying such credited amounts
to the lenders. Under this scheme, our Bank has paid out = 8.49 million to our customers, as of December 31, 2020.

For information on the effect of the moratorium and the Supreme Court’s interim order on our results of operations and
financial condition as of and for the nine months ended December 31, 2020, see “Financial Statements — Note 7”
beginning on page 274.

Advances

Collections:

Our collection efficiency has been increasing across products/geographies.

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

 

Collection Efficiency (%) - One

 

 

 

 

 

 

EMI Adjusted Collection Efficiency (%)* Paying Customer” (%)
Product | Month | Month | Month | Month | Month | Month | Month | Month | Month
ended | ended ended ended | ended ended ended | ended ended
June 30, | Septembe | Decembe | June 30, | Septembe | Decembe | June 30, | Septembe | Decembe
2020 r 30, 2020 | r 31,2020 | 2020 r 30, 2020 | r 31, 2020 | 2020 r 30,2020 | r 31, 2020
Inclusive
Finance 45.58% | 68.59% | 80.88% | 45.58% | 75.51% | 12.05% | 42.42% | 68.47% | 82.04%
Loans
Commerci
al Vehicle | 34.02% | 76.60% | 89.09% | 45.21% | 85.61% | 103.28% | 49.51% | 68.45% | 85.85%
Loans
Financial
a Gon 83.38% 99.83% | 10.00% | 98.95% | 107.36% | 102.99% | 100.00% 89.47% | 10.00%
Loans
‘Affordable
Housing 56.60% | 84.04% | 94.43% | 62.26% | 91.32% | 147.87% | 83.14% | 84.98% | 96.50%
Loans
Secured

Business | 37.27% | 75.14% | 88.34%" | 55.73% | 12.74%] 139.37% | 53.33% | 70.44% | 79.96%
Loans
Unsecured
MSME /
SME
Loans
Micro
Business
Loans (T-
Nagar)
Total | 45.74% | 69.52% | 81.96% | 46.96% | 77.07% | 111.34% | 42.49% | 68.44% | 82.04%

Notes:

 

29.23% 50.30% 65.59% | 35.71% 68.12% 74.55% | 26.52% 36.74% 66.88%

 

42.78% 65.34% 76.22% | 51.20% 73.66% 96.38% | 54.53% 69.74% 82.13%

 

 

 

 

 

 

 

 

 

 

 

 

 

150
