gruh finance limited loans (rs. in crores) as at march 31, 2017 as at march 31, 2016 amount % amount...
TRANSCRIPT
![Page 1: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/1.jpg)
GRUH Finance LimitedGRUH Finance Limited(A Subsidiary of HDFC Limited)(A Subsidiary of HDFC Limited)
March 2017
1
![Page 2: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/2.jpg)
GRUH PROFILEGRUH PROFILE
2 2
![Page 3: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/3.jpg)
• Promoted by HDFC & AKFED on July 21, 1986
• Commenced operations in 1988 from Ahmedabad
• A subsidiary of HDFC - Since June 2000A subsidiary of HDFC Since June 2000
• Regulated by National Housing Bank (NHB) – Wholly
owned subsidiary of Reserve Bank of India (RBI)
• Recognized by NHB for Refinance facility• Recognized by NHB for Refinance facility
3
![Page 4: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/4.jpg)
As on March 31, 2017
• Cumulative Housing Units Financed – 3,63,494
• Cumulative Disbursement of Rs. 22,976 Cr.
• Cumulative Disbursement in Rural Areas(*) – Rs.10,709 Cr.
• Retail Network of 185 offices across 11 States• Retail Network of 185 offices across 11 States.
• Consistent track record of Dividend Payout
(*) Rural Areas are locations where populations is less than 50,000
4
![Page 5: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/5.jpg)
As on March 31, 2017
• Outstanding LoanAssets of Rs. 13,244Cr.
• AverageLoanOutstanding Per Unit – Rs. 6.38Lac
• Loan Disbursement during the period– Rs. 4,125 Cr.
• AverageLoanPer Unit onDisbursementduring the Period–Rs. 8.86Lac
• Loan Disbursement inRuralAreasduring the Period – Rs. 1,979 Cr.
• Gross NPAs Rs. 40.58Cr – 0.31% of Outstanding LoanAssets of Rs. 13,244 Cr.
• Net NPAs – NIL
5
![Page 6: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/6.jpg)
Ratingsg• Public Deposits :
– ‘MAAA’ by ICRA and– ‘FAAA’ by CRISIL
• Non-Convertible Debentures : ‘AAA (Stable)’ by ICRA and CRISILand CRISIL
• Subordinated NCD: ‘AAA (Stable)’ by ICRA and CRISIL• Commercial Paper : ‘A1+’ by ICRA and CRISILCommercial Paper : A1+ by ICRA and CRISIL
“These rating indicates high safety with regard to timely t f i t t d i i l”payment of interest and principal”
6
![Page 7: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/7.jpg)
GRUH PERFORMANCEGRUH PERFORMANCE
7 7
![Page 8: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/8.jpg)
Disbursements(Rs. in Crores)
4000
45004,125
2500
3000
3500
1500
2000
2500
1,487
500
1000
1500
0Mar'12 Mar'13 Mar'14 Mar'15 Mar'16 Mar'17
88
![Page 9: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/9.jpg)
Loan Assets(Rs. in Crores)
12000
14000 13,244
8000
10000
6000
8000
4,077
2000
4000
0Mar'12 Mar'13 Mar'14 Mar'15 Mar'16 Mar'17
99
![Page 10: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/10.jpg)
Profit After Tax(Rs. in Crores)
300
350
297
200
250
300
150
200
120
50
100
0Mar'12 Mar'13 Mar'14 Mar'15 Mar'16 Mar'17
1010
![Page 11: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/11.jpg)
NIM and NIM to ATA
5.5
5.7
5.9
450
500
550526
4.9
5.1
5.3
300
350
400
cror
es)
4.3
4.5
4.7
200
250
300
NIM
( R
s. in
c 4.64
4.20179
3.7
3.9
4.1
50
100
150
3.50Mar'12 Mar'13 Mar'14 Mar'15 Mar'16 Mar'17
NIM (Rs. In crores) NIM to ATA (%)
1111
![Page 12: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/12.jpg)
Gross NPAs & Net NPAs0.70
0.520 50
0.60
0 32 0.32
0.40
0.50
0.32
0.27
0.28
0.31
0.20
0.30
0 00
0.05
0 00 0 00
0.09
0 000 00
0.10
0.00 0.00 0.00 0.00
-0.10
0.00Mar-12 Mar-13 Mar-14 Mar-15 Mar-16 Mar-17
Gross NPA to Loans (%) Net NPAs to Loans (%)
12
![Page 13: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/13.jpg)
Provisions & Contingencies 63 1365 00
47.23
51.4453.90
56.7159.04
63.13
52.5555.00
65.00
In C
rore
)
39.1140.66
43.21
34.9735.00
45.00
(Rs.
13 6515.67 14.46 16.06 15.63
23.95
16.59
22.5024.61
16.63
19.4522.92
16.6315 00
25.00
8.47
12.23 13.65
8.54
5.00
15.00
-5.00Mar- 15 Jun- 15 Sep- 15 Dec- 15 Mar- 16 Jun- 16 Sep- 16 Dec - 16 Mar - 17
Provision for NPAs Provision for Standarad Assets Provision for Contingencies
13
![Page 14: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/14.jpg)
NIM & NIE to Average Total Assets
4.184.03 4.03 4.05 4.08
3.91 3.934.11
4.20
3 50
4.00
4.50
2.50
3.00
3.50
1.50
2.00
0.780.83 0.88 0.83 0.79 0.80 0.78 0.74 0.720.50
1.00
0.00Mar- 15 Jun- 15 Sep- 15 Dec- 15 Mar- 16 Jun- 16 Sep - 16 Dec - 16 Mar - 17
Net Interest Margin to Average Total Assets(%) Non-Interest Expenses to Average Total Assets (%)
14
![Page 15: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/15.jpg)
PBT & PAT to Average Total Assets
3.66
3.193.20
3 15
3.51
3.11
3.53
3 00
3.50
4.00
2.482 14
2.11
2.36
2.37
3.15 3.07 3.09
2 00
2.50
3.00
2.142.07 2.06 2.05 2.04
1.00
1.50
2.00
0.00
0.50
Mar- 15 Jun- 15 Sept- 15 Dec- 15 Mar- 16 Jun - 16 Sep - 16 Dec - 16 Mar - 17
PAT to Average Total Assets (%) PBT to Average Total Assets (%)
15
![Page 16: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/16.jpg)
Cost to Income Ratio (%)
18.27 19.3818 57
20.00
25.00
16.75
18.5117.44
18.5718.35
16.68
15.8715.00
10.00
0 00
5.00
0.00Mar- 15 Jun- 15 Sept- 15 Dec- 15 Mar- 16 Jun- 16 Sep - 16 Dec - 16 Mar- 17
Cost to Income Ratio (%)
16
![Page 17: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/17.jpg)
Loan DisbursementsLoan DisbursementsAs at
March 31As at
March 31Growth
(Rs. in Crores)
March 31, 2017
March 31, 2016
Amount Amount %
Home Loans * 3121.36 2386.98 30.77
Mortgage (LAP) Loans * 461.66 922.08 (49.93)
NRP Loans * 71.06 141.85 (49.90)
Developer Loans 471.20 405.67 16.15
Total 4125.28 3856.58 6.97
(*) Individual Loans
17
![Page 18: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/18.jpg)
Outstanding Loans (Rs. in Crores)
As at March 31, 2017 As at March 31, 2016
Amount % Amount %
Suraksha Home Loans 6866.57 51.85 5866.95 52.79
Suvidha Home Loans 3812.30 28.78 3126.54 28.13
S j t R i L 77 98 0 59 45 33 0 41Sajavat Repair Loans 77.98 0.59 45.33 0.41
Total Home Loans * 10756.85 81.22 9038.82 81.33
Mortgage (LAP) Loans * 1488.49 11.24 1247.02 11.22g g ( )
NRP Loans * 403.34 3.05 394.76 3.55
Developer Loans 595.64 4.49 433.95 3.90
Total 13244.32 100.00 11114.55 100.00
(*) Individual LoansLoan Asset Growth of 19%
18
![Page 19: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/19.jpg)
Loan Portfolio-wise NPLAs at March 31, 2017 As at March 31, 2016
Amount % Amount %
H L * 32 64 0 30 23 24 0 26Home Loans * 32.64 0.30 23.24 0.26
Mortgage (LAP) Loans * 6.09 0.41 9.74 0.78
NRP Loans * 1.85 0.46 2.57 0.65
Developer Loans 0.00 0.00 0.00 0.00
Total 40.58 0.31 35.55 0.32(*) Individual Loans
19 19
![Page 20: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/20.jpg)
Assets Profile
1.15% 1 25% 0 87%
1.26% 1.49% 1.75%
0.10% 0.13% 0.16%
98%
99%
100%
1.25% 0.87%
96%
97%
Fixed Assets
97.49% 97.13% 97.22%93%
94%
95% Current Assets Investments Loan Assets
90%
91%
92%
90%
Mar 17 Mar 16 Mar 15
20
![Page 21: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/21.jpg)
Sources of Borrowingg39%
36%
38%40%
45%
31%
34%33%
25%
30%
35%
NHB
Bank Loans
Public Deposits
13%14%
16%
20%
17%
15%
20%
25%
Others
9%
5%
10%
0%Mar‐17 Mar‐16 Mar‐15
21
![Page 22: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/22.jpg)
Borrowing Profile As on March 31, 2017
ROI Base Tenure Base
0.30%
46%
Fixed
Floating
99.70%
Short Term (**) Long Term (*)
54%
(*) Average tenure 8.47 years(**) Average tenure less than one year
22
![Page 23: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/23.jpg)
Balance SheetAs on March 31, (Rs. in Crores)
2017 2016 Growth (%)
Sources of Funds
Share Capital 72.91 72.74 1
Reserves & Surplus 1040 30 762 56 36Reserves & Surplus 1040.30 762.56 36Borrowings 12018.16 10244.40 17Current Liabilities & Provisions 331.60 304.37 9Deferred Ta Liabilit (Net) 122 99 58 55 110Deferred Tax Liability (Net) 122.99 58.55 110
13585.96 11442.62 19
Application of Funds
Loan Assets 13244.32 11114.55 19Investments 156.10 142.92 9Current Assets 171.84 170.59 1Fixed Assets 13.70 14.56 (6)
13585.96 11442.62 19
23
![Page 24: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/24.jpg)
Income StatementAs on March 31, (Rs. in Crores)
2017 2016 Growth (%)
Interest income 1445.75 1228.58 18
Interest expenses 919.62 807.41 14
Net interest Margin 526.13 421.17 25
Non-Interest Income 41.63 46.82 (11)
Non-Interest Expenses 87.30 79.06 10
Depreciation 2.86 3.03 (6)
Provisions Contingencies and Write Offs 32 24 21 93 47Provisions, Contingencies and Write Offs 32.24 21.93 47
CSR Expenses 3.36 2.26 49
Profit Before Tax 442.00 361.70 22
Provision for Taxation 145.35 118.12 23
Profit After Tax 296.65 243.58 22
24
![Page 25: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/25.jpg)
Risk Profile Loan Assets & NPAs
As on March 31, (Rs. in Crores)
2017 2016Loan Assets (Rs.) 13244.32 11114.55
Provision for Standard Assets (Rs.) 63.13 51.44
Gross NPAs (Rs ) 40 58 35 55Gross NPAs (Rs.) 40.58 35.55
Provision for NPAs (Rs.) 23.95 8.54
Provision for Contingencies 16.63 16.63
Net NPAs (Rs.) 0.00 10.38
RatiosGross NPA as % to Loans 0.31 0.32
Net NPA as % to Loans 0.00 0.09
25
![Page 26: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/26.jpg)
Quarterly Financial ResultsAs on March 31, (Rs. In Crore)
Q4-CY Q4-PY Q3-CY YOY CY YOY PY1. Operating Income 416.11 366.91 381.02 1487.39 1275.40p g2. Total Income 416.11 366.91 381.02 1487.39 1275.403. Interest and Other Charges 230.68 215.09 229.70 919.62 807.414. Non-interest Expenses 23.44 20.14 21.24 90.67 81.334. Non interest Expenses 23.44 20.14 21.24 90.67 81.33
5. Depreciation 0.68 0.80 0.70 2.86 3.036. Provisions, Contingencies &
Write Offs 1.35 6.10 32.73 32.24 21.93te O s 35 6 0 3 3 3 937. Total Expenditure 256.15 242.13 284.37 1045.39 913.708. Profit Before Tax 159.96 124.78 96.65 442.00 361.709 Tax Expenses 49 51 36 96 32 61 145 35 118 129. Tax Expenses 49.51 36.96 32.61 145.35 118.1210. Profit After Tax 110.45 87.82 64.04 296.65 243.58
26
![Page 27: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/27.jpg)
Key Financial RatiosAs on March 31,
2017 2016 2015
Net Interest Margin / ATA (%) 4.20 4.08 4.18
Non Interest Expenses / ATA (%) 0 72 0 79 0 78p ( ) 0.72 0.79 0.78
PBT/ATA (%) 3.53 3.51 3.66
PAT/ATA (%) 2 37 2 36 2 48( ) 2.37 2.36 2.48
Cost to Income Ratio (%) 16 17 17
Return on Equity (%) 30 31 31q y ( ) 30 31 31
ATA = Average Total Assets
27
![Page 28: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/28.jpg)
Key Financial RatiosKey Financial Ratios
Particulars March 31, 2017 March 31, 2016
Book Value Per Share 31 23
Earnings Per Share 8.15 6.70
Market Capitalization (Rs. In Crore) 14,433 8,701
28 28
![Page 29: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/29.jpg)
Key Financial RatiosKey Financial Ratios
As on March 31,
2017 2016 2015C it l Ad R ti (%)Capital Adequacy Ratio (%) 18.31 17.82 15.36
Tier – I 16.81 16.13 13.89
Ti IITier –II 1.50 1.69 1.47
29
![Page 30: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/30.jpg)
Productivity RatiosProductivity RatiosAs on March 31,
2017 2016 20152017 2016 2015
Average No. of Employees 661 618 567
Average No. of Retail offices 182 167 148
Profit After Tax Per Employee (Rs. in Lakhs) 45 39 36
Total Assets Per Employee ( Rs. in Lakhs) 2057 1852 162105 1852 1621
30
![Page 31: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/31.jpg)
Rural Focus
• Cumulative Rural Disbursement of Rs.10,709 Cr.
(Rural location is a location where population is less than 50000.A state is divided into districts and each District cover 10-15 Talukas and
each Taluka is a cluster of 80-100 villages)
,
• Disbursed 2,03,026 cases in rural segment
• Presence in 125 Districts of 11 States• Presence in 125 Districts of 11 States
• Servicing customers in 1,131 Taluka places in 11 States
Di b d R 8 C 1 6 6 6 f ili d G ld• Disbursed Rs.8,575 Cr. to 1,67,676 families under Golden
Jubilee Rural Housing Finance Scheme of Government of India
• Cumulative disbursement of Rs. 2,203 Cr. to 39,355 families
under Rural Housing Fund
31
![Page 32: GRUH Finance Limited Loans (Rs. in Crores) As at March 31, 2017 As at March 31, 2016 Amount % Amount % Suraksha Home Loans 6866.57 51.85 5866.95 52.79 Suvidha Home Loans 3812.30 28.78](https://reader031.vdocuments.us/reader031/viewer/2022011800/5ad8df447f8b9ab8378ddd70/html5/thumbnails/32.jpg)
Thank You