Operational Efficiency of SFBs as of end-Fiscal 2020

 

Ce a Meus

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

e s eg eee ae
neal bon! iy ad Pee ay fe mor
uit Ti [Rs milli ne
ee ee} PSST te) (Rs million) Seen) Seu}
AU SFB ANT 288 404 16 aa) 15
Equitas SFB 139 100 109 7 6 7
Ujjivan SFB 244 230 187 8 7 6
Jana SFB 170 - 165 6 - 6
ESAF SFB 144 163 155 20 22 21
Utkarsh SFB 124 - 103 if - 6
Fincare SFB 68 ST 68 uf 6 a
Suryoday SFB 92 65 60 8 7 6
Capital SFB 221 = 296 20 Ee 27
Bandhan Bank 146 - 125 7 - 14

 

Note: Banking outlets including bank branches, ultra-small branches and asset centres as reported by the players
Source: Company reports, CRISIL Research

Disbursement per banking outlet

Suryoday SFB’s disbursement per banking outlet was = 65 million. AU SFB has the highest disbursement per banking
outlet = 288 million, followed by Ujjivan SFB (2 230 million), ESAF SFB (% 163 million), and Equitas SFB (= 100

million).
Product mix

Product mix of all SFBs and banks (as of end-Fiscal 2020)

 

 

 

 

 

 

 

 

 

 

SFBs ral — ee ee Ss —— enn T eer Tt
AU SFB - 50% 2% 44% 0 1% 3%
Equitas SFB 24% 24% 0% 41% 10% 0% 1%
Ujjivan SFB 1% - 11% 10% - - 2%
Jana SFB 75% 0% T% 14% 1% 1% 3%
Utkarsh SFB 89% - 1% 4% 6% - 1%
ESAF SFB 93% = 3 : 2% = 5% #
Fincare SFB 36% N% 12% 3% 1% 2% 9%
Suryoday| SFB 76% 10% 5% 5% - - 4%
Capital SFB - 4% 9% 28% - o 59%
Bandhan Bank 64% - 26% 4% 5% 1% -

 

 

 

 

 

 

 

 

 

Note: # Include all retail loans by ESAF

Source: Company reports, CRISIL Research

 

 
