investors/analysts' presentation [company update]
TRANSCRIPT
![Page 1: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/1.jpg)
![Page 2: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/2.jpg)
1
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
1
Ma
gm
a F
inco
rp L
imit
ed
Q4
FY
16
Re
sult
s U
pd
ate
Re
ach
ing
Ne
w H
eig
hts
in
Re
tail
Fin
an
ce
![Page 3: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/3.jpg)
2
2
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
2
INV
ES
TIN
G I
N T
HE
SM
ALL
ES
T
DR
EA
MS
– F
OR
RU
RB
AN
IN
DIA
PA
N I
ND
IA
NE
TW
OR
K
UN
DE
RS
ER
VE
D
CU
ST
OM
ER
S
CU
ST
OM
ISE
D
FIN
AN
CIN
G
SO
LUT
ION
S
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3
3
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
3
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
3
Lea
de
rsh
ip T
ea
m
Bu
sin
ess
Ov
erv
iew
, C
om
pe
titi
ve
Str
en
gth
s a
nd
Str
ate
gy
An
ne
xure
s
Fin
an
cia
l R
esu
lts
– Q
4 F
Y1
6
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4
4
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
4
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
4
Bu
sin
ess
Ov
erv
iew
:
Fo
cus
on
un
de
rse
rve
d ‘
Ru
rba
n’
Ind
ia
SE
GM
EN
T 1
:
FIR
ST
TIM
E B
UY
ER
S
SE
GM
EN
T 2
:
SE
LF E
MP
LOY
ED
NO
N
PR
OF
ES
SIO
NA
L
(SE
NP
)
SE
GM
EN
T 3
:
SM
ALL
& M
ED
IUM
EN
TR
EP
RE
NE
UR
S
•Fa
rme
rs w
ith
sm
all
la
nd
ho
ldin
gs
(<4
acr
es)
(Tr
act
or
bu
ye
r)
•F
irst
tim
e b
uy
er
wit
h p
rio
r re
lev
an
t e
xp
eri
en
ce
(ta
xi/
tru
ck/m
ach
ine
dri
ve
r/o
pe
rato
rs)
UN
DE
RS
ER
VE
D
‘RU
RB
AN
’
CU
ST
OM
ER
S
•S
elf
em
plo
ye
d c
ust
om
er
wit
h i
nfo
rma
l in
com
e s
ou
rce
s
(Ho
me
/Ca
r b
uy
er)
•S
ma
ll f
act
ory
ow
ne
r/co
ntr
act
or,
tra
de
r/sh
op
ow
ne
r w
ith
wo
rkin
g c
ap
ita
l n
ee
ds
( S
ME
/LA
P c
ust
om
er)
•S
ma
ll f
lee
t o
pe
rato
r (t
ax
i/tr
uck
/eq
uip
me
nt
bu
ye
r)
Ima
ge
s u
sed
fo
r re
pre
sen
tati
on
pu
rpo
ses
on
ly
SE
GM
EN
T 4
:
LIM
ITE
D B
AN
KIN
G /
CR
ED
IT H
IST
OR
Y
•C
ust
om
er
wit
h i
nfo
rma
l in
com
e s
ou
rce
s a
nd
lo
w
eli
gib
ilit
y f
or
ba
nk
lo
an
s
•C
ust
om
ers
wit
h n
o e
sta
bli
she
d c
red
it t
rack
re
cord
•C
ust
om
ers
wit
h l
imit
ed
ba
nk
ing
tra
nsa
ctio
ns
Ru
rba
n in
clu
de
s R
ura
l an
d S
em
i-U
rba
n l
oca
tio
ns/
cust
om
ers
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5
5
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
5
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
5
Bu
sin
ess
Ov
erv
iew
:
Pro
vid
e d
isti
nct
ive
fin
an
cin
g s
olu
tio
ns
to c
ust
om
ers
in
‘R
urb
an
’ In
dia
Str
on
g R
eco
gn
itio
n a
nd
Tru
ste
d B
ran
d i
n ‘
Ru
rba
n’
Ind
ia
Ag
ri F
ina
nce
Mo
rtg
ag
e F
ina
nce
SM
E F
ina
nce
Ag
Mo
SM
Ge
ne
ral
Insu
ran
ce
Div
ers
e P
rod
uct
Off
eri
ng
s
Ma
gm
a’s
Co
re S
tre
ng
ths
•W
ide
spre
ad
co
ve
rag
e w
ith
pre
sen
ce a
cro
ss 1
,90
0 T
alu
ka
s
an
d 2
,90
0 L
oca
tio
ns
•Te
chn
olo
gic
al
inn
ov
ati
on
le
d
fast
er
cust
om
er
acq
uis
itio
n,
po
rtfo
lio
se
rvic
ing
an
d e
ffe
ctiv
e
cro
ss-s
ell
•D
ee
p ‘
Ru
rba
n’
Insi
gh
t le
d
un
de
rwri
tin
g a
nd
fle
xi
pa
ym
en
t
op
tio
ns
Co
mm
erc
ial
Fin
an
ce
Co
Cu
sto
me
r Fo
cus
•U
nd
ers
erv
ed
‘R
urb
an
’
cust
om
ers
Co
mm
erc
ial
Fin
an
ce i
ncl
ud
es
Ne
w a
nd
Use
d V
eh
icle
s/E
qu
ipm
en
t; S
ME
Fin
an
ce i
ncl
ud
es
Un
secu
red
Lo
an
s to
Bu
sin
ess
En
terp
rise
s; M
ort
ga
ge
Fin
an
ce i
ncl
ud
es
LAP
an
d H
om
e L
oa
ns;
Ag
ri F
ina
nce
in
clu
de
s T
ract
ors
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6
6
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
6
Ag
ri F
ina
nce
Co
mm
erc
ial
Fin
an
ce
SM
E F
ina
nce
Mo
rtg
ag
e
Fin
an
ce
Ge
ne
ral
Insu
ran
ce
Tic
ke
t S
ize
(Rs
lak
h)
Loa
n t
o
Va
lue
Ra
tio
Te
nu
re
(mo
nth
s)
Bu
sin
ess
Ov
erv
iew
:
Hig
he
r cr
oss
-se
ll f
or
life
tim
e c
ust
om
er
en
ga
ge
me
nt
CU
ST
OM
ER
SE
GM
EN
TS
FINANCING SOLUTIONS
3-4
4-5
<2
2
15
-25
60
-65
%
70
-75
%
N/A
40
-45
%
40
-45
40
-45
30
-35
12
0-1
80
Fir
st T
ime
Bu
ye
rs
Se
lf E
mp
loy
ed
No
n
Pro
fess
ion
als
Lim
ite
d b
an
kin
g /
cre
dit
his
tory
Nu
mb
ers
in
dic
ati
ve
of
dis
bu
rse
me
nts
do
ne
du
rin
g Q
4 F
Y1
6
Sm
all
& M
ed
ium
En
tre
pre
ne
urs
ILLU
ST
RA
TIV
E A
SS
ET
PR
OF
ILE
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7
7
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
7
Bu
sin
ess
Ov
erv
iew
: P
rod
uct
ex
ten
sio
ns
ha
ve
co
mp
lem
en
ted
ex
isti
ng
pro
du
ct
suit
e a
nd
str
en
gth
en
ed
Ma
gm
a’s
va
lue
pro
po
siti
on
•M
OR
TG
AG
E
FIN
AN
CE
•G
EN
ER
AL
INS
UR
AN
CE
•S
YN
ER
GIE
S W
ITH
AS
SE
T F
INA
NC
E B
US
INE
SS
•
GR
OW
TH
ST
RA
TE
GY
•F
ocu
s o
n i
nsu
rin
g u
nd
ers
erv
ed
‘ru
rba
n’
cust
om
ers
(co
re M
ag
ma
cu
sto
me
r-
arc
he
typ
e)
•U
se t
ech
-en
ab
lers
to
pre
ve
nt
rev
en
ue
lea
ka
ge
an
d m
inim
ize
fra
ud
ule
nt
cla
ims
•Le
ve
rag
e t
ech
-to
ols
to
qu
ick
ly a
nd
sim
ply
un
de
rwri
te a
nd
iss
ue
po
lici
es
•O
ne
th
ird
of
ge
ne
ral
insu
ran
ce b
usi
ne
ss s
ou
rce
d f
rom
ex
isti
ng
Ma
gm
a c
ust
om
ers
•P
rofi
tab
le b
usi
ne
ss t
ha
t is
als
o p
rote
ctin
g a
sse
ts
fin
an
ced
by
Ma
gm
a (
secu
rin
g l
oa
n p
ort
foli
o)
•O
pe
rati
ng
le
ve
rag
e t
hro
ug
h ‘
rurb
an
’ b
ran
ch n
etw
ork
an
d O
EM
/ch
an
ne
l a
cqu
isit
ion
at
min
imu
m
incr
em
en
tal
cost
•S
up
eri
or
un
de
rwri
tin
g o
f u
sed
ass
ets
th
rou
gh
in
-
ho
use
va
lue
r
•F
ocu
s m
ore
on
Ho
me
lo
an
s a
nd
in
cre
ase
its
sha
re s
ign
ific
an
tly,
wit
hin
MH
F a
nd
ov
era
ll
•F
ocu
s o
n m
ore
Dir
ect
& C
on
ne
cto
r so
urc
ing
;
wit
h a
lmo
st 4
5%
ta
rge
ted
fro
m T
ier
3-6
tow
ns
ba
sed
‘ru
rba
n’
SE
NP
cu
sto
me
r; a
t
Rs.
15
La
kh
av
era
ge
tic
ke
t si
ze
•Le
ve
rag
e e
xis
tin
g ‘
rurb
an
’ b
ran
ch n
etw
ork
an
d
un
iqu
e 7
la
kh
cu
sto
me
rs p
rofi
le
•2
0%
of
tota
l m
ort
ga
ge
bu
sin
ess
so
urc
ed
fro
m c
ross
sell
to
ex
isti
ng
Ma
gm
a c
ust
om
ers
•Le
ve
rag
ing
co
mm
on
ch
an
ne
ls a
mo
ng
st S
ME
an
d L
AP
bu
sin
ess
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8
8
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
8
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
8
No
rth
,
34
%
Ea
st,
18
%
So
uth
,
22
%
We
st,
26
%
Co
mp
eti
tiv
e S
tre
ng
th:
Wid
esp
rea
d p
an
In
dia
co
ve
rag
e
Re
gio
n-w
ise
B
rea
ku
p
Ru
ral,
35
%
Se
mi-
urb
an
,
44
%
Urb
an
,
21
%
Bra
nch
es
as
on
31
st M
ar
20
16
Ex
ten
siv
e P
an
In
dia
Bra
nch
Ne
two
rk A
cro
ss R
ura
l a
nd
Se
mi-
Urb
an
In
dia
Ru
ral-
Urb
an
Bre
ak
up
•H
ub
an
d s
po
ke m
od
el
wit
h w
ide
co
ve
rag
e l
ed
to
pre
sen
ce i
n p
oin
t o
f
sale
s e
na
bli
ng
so
urc
ing
fro
m 1
,90
0 t
alu
ka
s a
nd
2,9
00
lo
cati
on
s
•Ta
ble
t u
sag
e h
as
led
to
su
pe
rio
r sa
les
pro
du
ctiv
ity,
be
tte
r m
ark
et
cov
era
ge
, im
pro
ve
d c
ha
nn
el
an
d c
ust
om
er
ex
pe
rie
nce
•F
ocu
s o
n a
sse
t-li
gh
t m
od
el:
Fie
ld e
xecu
tiv
es
com
e t
o b
ran
ch o
ffic
e o
nce
a
we
ek
; te
chn
olo
gy
so
luti
on
s e
na
ble
th
em
to
co
nd
uct
bu
sin
ess
fro
m
cha
nn
el/
cust
om
er
loca
tio
n
•S
tro
ng
cu
sto
me
r e
ng
ag
em
en
t th
rou
gh
67
00
+ f
ield
exe
cuti
ve
s
•S
tate
of
the
art
to
ll f
ree
In
bo
un
d/O
utb
ou
nd
Cu
sto
me
r D
eli
ve
ry C
en
tre
fo
r
serv
icin
g a
nd
cro
ss s
ell
23
4 b
ran
che
s
9,0
73
em
plo
ye
es
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9
9
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
9
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
9
PR
E-S
ALE
S &
SA
LES
CU
ST
OM
ER
AC
QU
ISIT
ION
PR
OC
ES
S
CH
AN
NE
L S
ER
VIC
ING
&
CU
ST
OM
ER
EN
GA
GE
ME
NT
PR
OC
ES
S
CO
LLE
CT
ION
S &
RIS
K M
AN
AG
EM
EN
T P
RO
CE
SS
Ce
ntr
ali
sed
Da
ta C
en
tre
D
isa
ste
r R
eco
ve
ry
Ce
ntr
e
BI
& D
ata
An
aly
tics
Su
pp
ort
D
ocu
me
nt
Ma
na
ge
me
nt
Po
rta
ls f
or
Ch
an
ne
l P
art
ne
rs,
Ins
Ag
en
cy
•Ta
ble
t e
qu
ipp
ed
fie
ld e
xecu
tiv
es
cap
ab
le
of
op
era
tin
g f
rom
an
y l
oca
tio
n (
vir
tua
l
off
ice
)
•E
lect
ron
ic t
ran
sfe
r o
f lo
an
ap
pli
cati
on
wit
h a
ll
do
cum
en
ts f
rom
po
int
of
sale
.
•U
sag
e o
f D
ata
An
aly
tics
fo
r cu
sto
miz
ed
Cro
ss s
ell
an
d U
p s
ell
off
eri
ng
.
Ce
ntr
a
Blu
eto
oth
Re
ceip
t
Pri
nte
r
Ou
tco
me
– I
ncr
ea
sed
Pe
ne
tra
tio
n,
Fa
ste
r
Tu
rna
rou
nd
tim
e &
Be
tte
r le
ad
co
nv
ers
ion
.
•C
ha
nn
el
po
rta
l a
llo
ws
au
tom
ati
c tr
ack
ing
of
file
s/p
roce
ss
•C
all
ce
ntr
e t
o p
rov
ide
re
al
tim
e s
up
po
rt
for
com
pla
ints
/en
qu
irie
s
•F
ron
tlin
e D
eci
sio
n S
up
po
rt f
or
be
tte
r
un
de
rsta
nd
ing
of
cu
sto
me
r re
qu
ire
me
nts
Ou
tco
me
– I
mp
rov
ed
Cu
sto
me
r e
xp
eri
en
ce,
Be
tte
r
pro
du
ct d
esi
gn
In
pu
ts
•O
nli
ne
su
bm
issi
on
of
Fie
ld I
nv
est
iga
tio
n
rep
ort
s
•C
ash
co
lle
ctio
n a
t cu
sto
me
r lo
cati
on
, o
n
spo
t m
on
ey
re
ceip
ts,
inst
an
t re
po
rtin
g o
f
coll
ect
ion
s to
ce
ntr
al
da
tab
ase
.
•E
xte
rna
l cr
ed
it d
ata
ba
ses
em
be
dd
ed
in
BI/
sale
s in
terf
ace
s
Ou
tco
me
–E
nh
an
ced
Cu
sto
me
r se
rvic
e,
Fa
ste
r
Cre
dit
Ap
pra
isa
l, R
ob
ust
Ca
sh m
an
ag
em
en
t
Ta
ble
t S
ale
s A
pp
In
terf
ace
Ne
ed
mo
re p
ho
tos
for
po
rta
ls
Co
mp
eti
tiv
e A
dv
an
tag
e:
Tech
no
log
y i
nit
iati
ve
s to
str
en
gth
en
bu
sin
ess
pro
cess
es
Ch
an
ne
l P
ort
al
Ag
en
t P
ort
al (
MH
DI)
Po
rta
ls f
o
Ta
ble
t
![Page 11: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/11.jpg)
10
10
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
1
0
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
1
0
OB
JEC
TIV
ES
PE
OP
LE
PR
OC
ES
S
•B
ett
er
cust
om
er
serv
ice
•B
ett
er
an
d f
ast
er
cre
dit
de
cisi
on
•Im
pro
ve
d p
rod
uct
ivit
y a
nd
co
st
eff
icie
ncy
.
•B
ett
er
cha
nn
el
ma
na
ge
me
nt
•B
ett
er
loca
l a
cco
un
tab
ilit
y a
nd
ow
ne
rsh
ip
•M
ore
Dir
ect
Bu
sin
ess
a
nd
hig
he
r
yie
lds
•M
erg
er
of
Sa
les
an
d 0
-90
Co
lle
ctio
ns
tea
m t
o p
rov
ide
on
e-p
oin
t co
nta
ct w
ith
cust
om
er.
In
cre
asi
ng
cu
sto
me
r to
uch
po
ints
fro
m 1
50
0 t
o 3
60
0 f
ield
off
ice
rs
•R
ed
uce
d F
OS
se
rvic
e r
ad
ius
fro
m 7
5 k
ms
to 3
0 k
ms
•D
ele
ga
tin
g d
eci
sio
n m
ak
ing
to
Bra
nch
ma
na
ge
rs
•In
cen
tiv
es
ali
gn
ed
to
dri
ve
dir
ect
bu
sin
ess
/ c
ross
se
ll /
cu
sto
me
r se
rvic
e
•S
imp
lifi
ed
cre
dit
scr
ee
ns
•Im
ple
me
nte
d i
mm
ed
iate
ris
k h
ind
-
sig
hti
ng
•L2
D p
roce
ss s
imp
lifi
ed
an
d e
na
ble
d i
n
tab
lets
Bra
nch
Ba
nk
ing
:
Ne
w s
tru
ctu
re l
ea
din
g t
o s
up
eri
or
cust
om
er
con
ne
ct
TE
CH
NO
LOG
Y
CU
ST
OM
ER
•H
igh
le
ve
l o
f te
chn
olo
gy
ad
op
tio
n b
y
fie
ld o
ffic
ers
an
d s
up
erv
iso
rs,
imp
rov
ing
eff
icie
ncy
an
d p
rod
uct
ivit
y
•D
ail
y J
ou
rne
y P
lan
an
d V
isit
Ca
len
da
r
en
ab
led
in
ta
ble
ts
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
•F
OS
ta
gg
ed
to
80
00
ch
an
ne
ls f
or
serv
ice
an
d b
usi
ne
ss
•R
igo
r o
f d
ail
y m
ark
et
act
ivit
y
imp
lem
en
ted
•IR
R g
rid
s, d
oc
cha
rge
s, p
ay
ou
t
stru
ctu
res
& e
sca
lati
on
ma
tric
es
rev
ise
d
![Page 12: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/12.jpg)
11
11
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
11
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
11
CA
LIB
RA
TE
PR
OD
UC
T-
CU
ST
OM
ER
-
GE
OG
RP
AH
Y M
IX
RE
FIN
E C
RE
DIT
SC
RE
EN
S &
PR
OC
ES
SE
SE
AR
LY W
AR
NIN
G I
ND
ICA
TO
RS
(E
WI)
C
ALI
BR
AT
EP
RO
DU
CT
CU
ST
OM
ER
RIS
K M
AN
AG
EM
EN
T F
RA
ME
WO
RK
t
SU
PP
OR
TE
D B
Y S
TR
ON
G A
NA
LYT
ICS
IN H
OU
SE
TE
AM
C
RE
DIT
BU
RE
AU
MO
DE
LIN
G
CO
MP
ET
ITIV
E A
NA
LYS
IS
•O
EM
, E
nd
-Use
an
d R
esa
le d
em
an
d
dri
ve
n p
rod
uct
cla
ssif
ica
tio
n
•In
form
al
seg
me
nt
wit
h r
ele
va
nt
ex
pe
rie
nce
•D
iffe
ren
tita
ted
off
eri
ng
in
va
rio
us
ma
rke
ts c
on
sid
eri
ng
Ne
t A
dju
ste
d
Re
turn
•C
ust
om
ise
d s
cre
en
s to
co
nsi
de
r
Info
rma
l in
com
e s
tre
am
s w
ith
re
lev
an
t
ex
pe
rie
nce
•A
sse
t g
rad
ati
on
as
pe
r cu
sto
me
r p
rofi
le
•O
nli
ne
Pro
cess
Au
tom
ati
on
at
sou
rcin
g
/ u
nd
er-
wri
tin
g s
tag
es
for
fra
ud
mit
iga
tio
n
•P
ast
po
rtfo
lio
ba
sed
te
rmin
al
loss
es
as
ke
y i
nd
ica
tor
for
de
ve
lop
ing
Ea
rly
Wa
rnin
g I
nd
ica
tors
(E
WI)
•C
red
it h
ind
sig
hti
ng
of
ea
rly
de
lin
qu
en
t
case
s to
re
solv
e t
he
m a
nd
use
th
em
as
fee
db
ack
me
cha
nis
m i
n c
red
it s
cre
en
s
•B
ran
ch l
ev
el
tra
ckin
g i
nv
olv
ing
lo
cal
bu
sin
ess
te
am
s
Co
mp
eti
tiv
e A
dv
an
tag
e:
Ris
k f
ram
ew
ork
– I
nte
r-w
ov
en
wit
h t
he
bu
sin
ess
str
ate
gy
![Page 13: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/13.jpg)
12
12
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
1
2
RO
A E
NH
AN
CE
ME
NT
•F
ocu
s o
n p
rod
uct
pro
fita
bil
ity
an
d b
ran
ch
pro
fita
bil
ity
•In
cre
ase
sh
are
of
hig
he
r ri
sk-a
dju
ste
d y
ield
an
d h
igh
Ro
A p
rod
uct
s (A
gri
/U
sed
Ass
ets
/SM
E /
Mo
rtg
ag
e F
ina
nce
)
CO
F R
ED
UC
TIO
N
•E
mp
loy
ju
dic
iou
s m
ix o
f N
CD
/ C
P /
ba
nk
lin
es
/ se
curi
tisa
tio
n t
o r
ed
uce
CO
F a
nd
lim
it
con
cen
tra
tio
n /
liq
uid
ity
ris
k
•D
ive
rsif
y m
ix o
f d
eb
t m
ark
et
inv
est
ors
•In
cre
ase
sh
are
of
pri
ori
ty s
ect
or
len
din
g (
PS
L)
OP
EX
RE
DU
CT
ION
•E
nh
an
ce p
rod
uct
ivit
y t
hro
ug
h t
ech
no
log
y
en
ab
lers
, a
uto
ma
tio
n a
nd
pro
cess
sim
pli
fica
tio
n
•R
ed
uce
cu
sto
me
r a
cqu
isit
ion
co
st b
y
Incr
ea
sin
g d
ire
ct s
ou
rcin
g
Imp
rov
ing
cro
ss-s
ell
Pro
vid
ing
su
pe
rio
r cu
sto
me
r se
rvic
e
AS
SE
T Q
UA
LIT
Y I
MP
RO
VE
ME
NT
•C
ali
bra
te p
ort
foli
o a
cco
rdin
g t
o p
rod
uct
-
cust
om
er-
ge
og
rap
hy
mix
•R
efi
ne
cre
dit
scr
ee
n a
nd
pro
cess
es
to o
pti
miz
e
po
rtfo
lio
pe
rfo
rma
nce
•E
mp
loy
pro
du
ct w
ise
ea
rly
wa
rnin
g i
nd
ica
tors
an
d l
oss
tra
ckin
g m
ech
an
ism
s
LEV
ER
S
Bu
sin
ess
Str
ate
gy
: Fo
cus
on
su
sta
ine
d p
rofi
tab
le g
row
th
![Page 14: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/14.jpg)
13
13
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
1
3
En
vir
on
me
nt
Su
sta
ina
bil
ity
•M
ag
ma
Tru
cke
rs I
nit
iati
ve f
or
En
vir
on
me
nt
Su
sta
ina
bil
ity.
In
ass
oci
ati
on
wit
h P
CR
A,
Go
vt
of
Ind
ia u
nd
ert
ak
ing
.
•Tr
ain
ing
Be
tte
r D
riv
ing
Sk
ills
to
Tru
ck
Dri
vers
in
1
1 l
oca
tio
ns.
27
,00
0
tru
cke
rs
be
ne
fitt
ed
in
FY
16
.
•B
ett
er
Mil
ea
ge
+
F
ue
l
Co
nse
rva
tio
n
=
Sa
ved
a
bo
ut
50
La
c Lt
r. o
f D
iese
l in
FY
16
•R
ed
uct
ion
in
C
O2
E
mis
sio
n
–
1.3
3 L
ac
Ltr.
•E
-To
ile
ts
for
Sa
nit
ati
on
a
t
Tra
nsp
ort
N
ag
ars
to
b
en
efi
t
50
,00
0 T
ruck
dri
vers
•P
lan
ted
a
bo
ut
50
00
sa
pli
ng
s
on
Wo
rld
En
vir
on
me
nt
Da
y b
y
em
plo
yee
s
He
alt
h &
We
llb
ein
g
•F
ree
m
ed
ica
l C
on
sult
ati
on
to
2
0,0
00
tru
cke
rs t
hru
he
alt
h c
he
ck u
p c
am
ps
Pro
mo
tio
n o
f E
du
cati
on
•M
Sch
ola
r –
Sch
ola
rsh
ip f
or
50
me
rito
rio
us
stu
de
nts
fr
om
p
oo
r fa
mil
ies
for
furt
he
r
stu
die
s.
•A
do
pte
d 1
6 T
rib
al
Sch
oo
ls i
n B
en
ga
l, C
G,
Jha
rkh
an
d.
•M
id-d
ay
Me
al
Pro
gra
mm
e:
Off
eri
ng
mid
-
da
y
me
al
to
75
0
stu
de
nts
o
f K
olk
ata
Mu
nic
ipa
l C
orp
ora
tio
n
Sch
oo
ls
thro
ug
h
ISK
CO
N F
oo
d R
eli
ef
Fou
nd
ati
on
.
•B
uil
din
g
Infr
ast
ruct
ure
in
S
cho
ols
:
Pro
vid
ing
ba
sic
infr
ast
ruct
ure
an
d D
rin
kin
g
wa
ter
faci
lity
a
t S
cho
ols
fo
r th
e
un
de
r-
pri
vil
eg
ed
. Na
tura
l D
isa
ste
r R
eli
ef
Off
ere
d
reli
ef
for
Ne
pa
l E
art
hq
ua
ke
an
d
Ch
en
na
i F
loo
d v
icti
ms
BBrii
ng
iing
EEq
ua
llity
o
Ma
gm
a’s
Co
rpo
rate
So
cia
l R
esp
on
sib
ilit
y
![Page 15: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/15.jpg)
14
14
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
1
4
Hu
ma
n R
eso
urc
es
•S
tro
ng
Co
mm
itm
en
t to
HR
Exc
ell
en
ce -
CII
HR
Exc
ell
en
ce A
wa
rd 2
01
5
•H
igh
est
Jo
b
Cre
ato
r (a
bo
ve
Rs.
1
00
0
cro
res)
-
ET
B
en
gal
Co
rpo
rate
A
wa
rds
20
16
In
form
ati
on
Te
chn
olo
gy
•D
ata
qu
est
B
usi
ne
ss
Tech
no
log
y
Aw
ard
20
16
•F
inn
ov
iti
Aw
ard
20
16
fo
r Te
ch E
xce
lle
nce
Co
rpo
rate
So
cia
l R
esp
on
sib
ilit
y
•B
est
C
SR
P
ract
ice
s -
Asi
aP
aci
fic
HR
M
Co
ng
ress
Aw
ard
s 2
01
5
Cu
sto
me
r S
erv
ice
Exc
ell
en
ce
•C
ust
om
er
Se
rvic
e
Lea
de
rsh
ip
Aw
ard
20
16
: T
he
ve
hic
le
fle
et
lea
sin
g
ind
ust
ry
fro
m F
rost
& S
ull
iva
n
Co
rpo
rate
Co
mm
un
ica
tio
ns
•G
old
A
wa
rd
at
LAC
P
Sp
otl
igh
t A
wa
rds
(Glo
ba
l
Co
mm
un
ica
tio
ns
Co
mp
eti
tio
n)
20
15
•P
lati
nu
m a
wa
rd a
t LA
CP
Sp
otl
igh
t A
wa
rds
20
16
for
Mis
sio
n I
nd
ia
Ind
ivid
ua
l A
wa
rds
•C
EO
wit
h H
R O
rie
nta
tio
n o
f th
e Y
ea
r -
Ge
niu
s H
R
Exc
ell
en
ce A
wa
rd 2
01
5 -
Mr.
Sa
nja
y C
ha
mri
a
•5
0 M
ost
In
flu
en
tia
l H
R P
rofe
ssio
na
ls i
n A
sia
20
15
- M
s. J
an
et
Ga
spe
r C
ho
wd
hu
ry
•M
ost
In
flu
en
tia
l H
R L
ea
de
rs i
n I
nd
ia -
Wo
rld
HR
D
Co
ng
ress
20
16
- M
s. J
an
et
Ga
spe
r C
ho
wd
hu
ry
•1
00
M
ost
Im
pa
ctfu
l C
SR
Le
ad
er
- M
r.
Ka
ush
ik
Sin
ha
Aw
ard
s &
Re
cog
nit
ion
in
FY
16
![Page 16: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/16.jpg)
15
15
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
1
5
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
1
5
Lea
de
rsh
ip T
ea
m
Bu
sin
ess
Ov
erv
iew
, C
om
pe
titi
ve
Str
en
gth
s a
nd
Str
ate
gy
An
ne
xure
s
Fin
an
cia
l R
esu
lts
– Q
4 F
Y1
6
![Page 17: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/17.jpg)
16
16
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
1
6
Q4 F
Y15
Q4 F
Y16
•Fo
cus
hig
h R
oA
pro
du
cts
to d
riv
e p
rofi
tab
le g
row
th
(sh
are
in
cre
ase
d y
oy
fro
m 5
1%
to
58
%)
Lo
an
Assets
Rs 1
9,5
67 c
r
Lo
an
Assets
Rs 1
8,1
83 c
r
•P
rod
uct
ivit
y e
nh
an
cem
en
t le
ad
ing
to
su
sta
ina
ble
op
ex
rati
o r
ed
uct
ion
fo
r 4
co
nse
cuti
ve
qu
art
ers
Op
ex/L
oan
Assets
3.9
%
Op
ex/L
oan
Assets
3.1
%
NIM
6.4
%
NIM
7.5
%
•N
IM i
mp
rov
em
en
t in
lin
e w
ith
str
ate
gy
to
alt
er
pro
du
ct-
cust
om
er
mix
+
10
9 b
ps
-75
bp
s
+4
5%
+2
5 b
ps
EP
S
Rs
2.5
8/ sh
are
EP
S
Rs
2.7
4 / s
hare
PB
T
Rs 6
9.9
cr
PB
T
Rs 1
01.5
cr
•P
BT
im
pro
ve
me
nt
dri
ve
n b
y N
IM e
xp
an
sio
n a
nd
op
ex
red
uct
ion
Ro
A
1.4
%
Ro
A
1.7
%
•R
oA
im
pro
ve
me
nt
dri
ve
n b
y P
AT
gro
wth
on
a r
ed
uci
ng
loa
n b
oo
k
• R
oA
im
pro
ve
me
nt
lea
din
g
the
gro
wth
in
EP
S d
esp
ite
eq
uit
y i
nfu
sio
n o
f R
s 5
00
cro
re .
Fin
an
cia
l R
esu
lts
– Q
4 F
Y1
6 (
Co
nso
lid
ate
d)
+2
2%
PA
T
Rs 5
4.1
cr
PA
T
Rs 6
5.9
cr
•P
AT
im
pro
ve
me
nt
on
tra
ck i
nsp
ite
of
dif
ficu
lt e
con
om
ic
en
vir
on
me
nt
-7%
6%
![Page 18: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/18.jpg)
17
17
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
1
7
FY
15
FY
16
•Fo
cus
on
pro
fita
ble
gro
wth
an
d o
n h
igh
Ro
A p
rod
uct
s
(
sha
re h
as
incr
ea
sed
fro
m 5
1%
to
58
%)
Lo
an
Assets
Rs 1
9,5
67 c
r
Lo
an
Assets
Rs 1
8,1
83 c
r
•P
rod
uct
ivit
y e
nh
an
cem
en
t le
ad
ing
to
su
sta
ina
ble
op
ex
rati
o r
ed
uct
ion
sin
ce Q
1F
Y1
6
Op
ex/L
oan
Assets
3.7
%
Op
ex/L
oan
Assets
3.4
%
NIM
6.2
%
NIM
7.0
%
•N
IM i
mp
rov
em
en
t in
lin
e w
ith
str
ate
gy
to
alt
er
pro
du
ct-
cust
om
er
mix
+
81
bp
s
-30
bp
s
+3
7%
+7
bp
s
EP
S
Rs
8.8
4/ sh
are
EP
S
Rs
8.8
6 / s
hare
PB
T
Rs 2
23
.5 c
r
PB
T
Rs 3
05.8
cr
•P
BT
im
pro
ve
me
nt
dri
ve
n b
y N
IM e
xp
an
sio
n a
nd
op
ex
red
uct
ion
Ro
A
1.3
%
Ro
A
1.4
%
•R
oA
im
pro
ve
me
nt
dri
ve
n b
y P
AT
gro
wth
on
a r
ed
uci
ng
loa
n b
oo
k
• B
en
efi
t o
f R
oA
in
cre
ase
off
set
by
eq
uit
y i
nfu
sio
n o
f R
s 5
00
cro
re l
ea
din
g t
o f
lat
EP
S
Fin
an
cia
l R
esu
lts
– F
Y1
6 (
Co
nso
lid
ate
d)
+1
4%
PA
T
Rs 1
87.3
cr
PA
T
Rs 2
13.5
cr
•P
AT
im
pro
ve
me
nt
on
tra
ck i
nsp
ite
of
dif
ficu
lt e
con
om
ic
en
vir
on
me
nt
-7%
![Page 19: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/19.jpg)
18
18
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
1
8
29
.3%
2
4.5
%
23
.5%
2
4.2
%
21
.5%
11
.7%
9.2
%
4.2
%
9.7
%
4.1
%
10
.0%
8.2
%
5.3
%
8.6
%
5.3
%
14
.2%
14
.0%
14
.1%
14
.8%
13
.0%
17
.4%
16
.9%
17
.0%
19
.1%
15
.0%
8.9
%
10
.1%
16
.0%
8.1
%
19
.2%
8.5
%
17
.1%
1
9.9
%
15
.5%
2
1.8
%
0%
25
%
50
%
75
%
10
0%
FY
14
FY
15
FY
16
Q4
FY
15
Q4
FY
16
UV
/Ca
rsC
VC
EU
sed
Ass
ets
Ag
ri F
ina
nce
SM
E F
ina
nce
Mo
rtg
ag
e F
ina
nce
49
%
51
%
31
%
69
%
10
,11
5
7,1
80
D
isb
urs
em
en
ts
1,8
68
2
,33
2
Va
lue
s in
Rs
cro
re
9,0
81
Co
mm
erc
ial
Fin
an
ce
Sig
nif
ica
nt
cha
ng
es
in d
isb
urs
em
en
t m
ix
![Page 20: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/20.jpg)
19
19
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
1
9
27
.8%
2
5.5
%
24
.9%
17
.9%
13
.3%
9
.1%
11
.8%
9.8
%
8.0
%
11
.3%
11
.9%
11
.2%
16
.1%
17
.8%
18
.8%
5.6
%
7.1
%
9.5
%
9.4
%
14
.6%
1
8.5
%
0%
25
%
50
%
75
%
10
0%
FY
14
FY
15
FY
16
UV
/Ca
rsC
VC
EU
sed
Ass
ets
Ag
ri F
ina
nce
SM
E F
ina
nce
Mo
rtg
ag
e F
ina
nce
17
,87
7
Loa
n A
sse
ts
18
,18
3
19
,56
7
Va
lue
s in
Rs
cro
re
58
%
42
%
42
%
58
%
Co
mm
erc
ial
Fin
an
ce
Re
sult
ing
in
gra
du
al
shif
t in
lo
an
ass
ets
mix
•S
hare
of
hig
h R
oA
pro
du
cts
(A
gri
, U
se
d A
ss
ets
, M
ort
ga
ge a
nd
SM
E F
ina
nce
) in
cre
as
ing
in
lin
e w
ith
th
e
str
ate
gy t
o f
oc
us o
n h
igh
Ro
A p
rod
uc
ts
![Page 21: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/21.jpg)
20
20
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
2
0
•N
IM e
xp
an
sio
n d
riv
en
by
gra
du
al
shif
t to
wa
rds
hig
he
r y
ield
ing
pro
du
cts
11
,35
2
13
,27
4
14
,09
9
13
,27
4
14
,09
9
6,5
25
6,2
93
4
,08
4
6,2
93
4
,08
4
5.5
%
6.2
%
7.0
%
6.4
%
7.5
%
5.0
%
5.4
%
5.8
%
6.2
%
6.6
%
7.0
%
7.4
%
7.8
%
-
5,0
00
10
,00
0
15
,00
0
20
,00
0
FY
14
FY
15
FY
16
Q4
FY
15
Q4
FY
16
On B
ook A
ssets
Off B
ook A
ssets
NIM
- Y
ear
(yoy)
NIM
- Q
tr (
yo
y)
Loa
n A
sse
ts
18
,18
3
17
,87
7
19
,56
7
Loan Assets (Rs crore)
NIM
19
,56
7
NIM
: (T
ota
l In
com
e –
In
tere
st E
xpe
nse
s)/A
vera
ge
Lo
an
Ass
ets
; V
alu
es
in R
s cr
ore
Loa
n a
sse
ts a
nd
NIM
ex
pa
nsi
on
18
,18
3
![Page 22: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/22.jpg)
21
21
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
2
1
Tota
l Lo
an
Ass
ets
: R
s. 1
8,1
83
cro
re
Utt
ara
kh
an
d/D
elh
i, 6
%
Ha
rya
na
, 8
%
Pu
nja
b/H
ima
cha
l, 3
%
Ra
jast
ha
n,
8%
Utt
ar
Pra
de
sh,
13
%
Bih
ar,
4%
Jha
rkh
an
d,
2%
Ori
ssa
, 3
%
We
st b
en
ga
l, 5
%
An
dh
ra,
4%
Tela
nga
na
, 5
%
Ka
rna
taka
, 6
%
Ke
rala
, 5
%
Tam
il N
ad
u,
4%
Ch
att
isga
rh,
3%
Gu
jara
t, 5
%
Ma
dh
ya P
rad
esh
, 7
%
Ma
ha
rash
tra
, 9
%
Ha
rya
na
,8
%
No
rth
: 3
8%
g
So
uth
: 2
3%
Ea
st:
14
%
We
st:
25
%
Va
lue
as
on
31
st D
ec
20
15
; In
clu
de
s O
ff B
/S l
oa
n a
sse
ts
•D
ive
rsif
ica
tio
n o
f lo
an
bo
ok
ex
po
sure
min
imiz
es
imp
act
of
reg
ion
al/
loca
l/si
ng
le e
ve
nt
risk
s
Sta
te-w
ise
Lo
an
Ass
ets
Bre
ak
up
![Page 23: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/23.jpg)
22
22
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
2
2
55
.8%
6
4.9
%
73
.7%
28
.9%
2
1.5
%
16
.4%
15
.3%
1
3.7
%
9.9
%
0%
25%
50%
75%
100
%
FY
14
FY
15
FY
16
Tie
r I/
II C
ap
ital &
Oth
ers
Deb
t C
ap
ital M
ark
ets
Ban
ks
22
Ins
tru
men
t R
ati
ng
Sh
ort
te
rm D
eb
t A
1+
Lo
ng te
rm D
eb
t A
A-
Su
bo
rdin
ate
De
bt
AA
-
Pe
rpe
tual D
eb
t A
+
pp
nD
ivers
ifie
d lia
bili
ty so
urc
es lim
it con
ce
ntr
ation
ri
sk,
allo
ws sta
ble
flow
o
f fu
nds an
d
sta
ble
ratin
g,
all
lead
ing
to
low
er
costs
nR
ate
d b
y C
AR
E,C
RIS
IL,
Bri
ckw
ork
, IC
RA
& I
nd
ia R
ating
s,
nC
onso
rtiu
m o
f 2
1 p
ublic
& p
rivate
secto
r ba
nks
nC
apita
l m
ark
et
fund
ing
fr
om
w
ide
spe
ctr
um
o
f le
nde
rsin
clu
din
g
MF
s,
Insura
nce
com
pa
nie
s,
Pen
sio
n /
Pro
vid
en
t fu
nds a
nd
Corp
ora
tes a
mon
g o
thers
nO
ther
un
secu
red
de
bt
inclu
des P
erp
etu
al de
bt,
Sub
de
bt
an
d P
refe
ren
ce
cap
ital
Lia
bil
ity P
rofi
le
On B
/S D
ebt in
clu
des P
refe
rence C
apital and b
ased o
n M
FL C
onsolid
ate
d f
inancia
ls;
Valu
es in R
s c
rore
as o
n c
losin
g d
ay o
f th
e p
eriod ;
On
B/S
Deb
t
LLLLLLLLLLLLLLLLLLLiiiiiiiiiiiiiiiiaaaaaaaaaaaaaaaa
bbbbbbbbbbbbbbbbbbbbbiiiiiiiiiiiiiiiiillllllllllllllllll
iiiiiiiiiiiiiiiiiitttttttttttttttttttyyyyyyyyyyyyyyyyyyy PPPPPPPPPPPPPPPP
rrrrrrrrrrrrrrrroooooooooooofffffffffffffffffffffffffffffffffffffiiiiiiiiiiiiiii
llllllllllllllllllllleLi
ab
ilit
y P
rofi
le
11
,902
11
,487
1
0,3
75
![Page 24: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/24.jpg)
23
23
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
2
3
2.7
%
3.9
%
6.9
%
7.4
%
2.0
%
3.0
%
5.2
%
5.7
%
0.0
%
1.0
%
2.0
%
3.0
%
4.0
%
5.0
%
6.0
%
7.0
%
8.0
%
FY
14
FY
15
FY
16
FY
16
GN
PA
%N
NP
A %
18
0 d
pd
•R
BI
gu
ide
lin
es
req
uir
e a
n N
BFC
to
re
cog
nis
e N
PA
s o
n 1
50
dp
d b
asi
s b
y F
Y1
6 a
nd
on
12
0 d
pd
ba
sis
by
FY
17
•M
ag
ma
re
cog
nis
es
NP
A o
n 1
20
dp
d b
asi
s a
nd
is
com
pli
an
t w
ith
RB
I g
uid
eli
ne
s a
pp
lica
ble
in
FY
17
NP
A (
% o
f To
tal
Loa
n A
sse
ts)
Ba
sed
on
MF
L C
on
soli
da
ted
fin
an
cia
ls
NP
A R
eco
gn
itio
n
15
0 d
pd
![Page 25: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/25.jpg)
24
24
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
2
4
Va
lue
s in
Rs
cro
re
P&
L S
tate
me
nt
(Co
nso
lid
ate
d)
Q
4 F
Y1
6
Q4
FY
15
Q
3 F
Y1
6
% C
han
ge
F
Y1
6
FY
15
Y
-o-Y
Q
-o-Q
In
co
me
fro
m O
ps.
63
3.0
62
0.1
62
2.0
2
%
2%
2,4
72
.2
2
,35
3.6
In
tere
st E
xp
en
se
s
2
98
.0
3
14
.4
2
93
.7
-5%
1
%
1
,19
1.6
1,2
32
.9
Net
Op
era
tin
g In
co
me
33
5.0
30
5.6
32
8.3
1
0%
2
%
1
,28
0.6
1,1
20
.7
Oth
er
Inco
me
9.2
7.2
7.2
2
7%
2
7%
3
4.1
3
2.3
Net
To
tal
Inc
om
e
3
44
.2
3
12
.8
3
35
.5
10
%
3%
1,3
14
.7
1
,15
3.0
Pro
v./W
rite
Off
s
98
.6
53
.1
99
.5
85
%
-1%
37
5.0
24
4.4
Po
st
Pro
v P
rofi
t
2
45
.6
2
59
.7
2
36
.0
-5%
4
%
9
39
.8
9
08
.7
Op
era
tin
g E
xp
en
se
s
1
44
.1
1
89
.8
1
62
.0
-24
%
-11
%
6
33
.9
6
85
.2
:P
ers
on
nel E
xp
en
se
s
69
.4
1
03
.2
80
.3
-33
%
-14
%
3
17
.2
3
61
.8
:O
the
r E
xp
en
se
s
65
.7
74
.5
71
.0
-12
%
-8%
27
7.2
28
8.8
:D
ep
recia
tion
9.0
1
2.1
1
0.7
-2
6%
-1
6%
3
9.5
3
4.6
Pro
fit
Befo
re T
ax
10
1.5
6
9.9
7
4.0
4
5%
3
7%
30
5.8
22
3.5
Ta
xe
s
35
.6
15
.8
21
.7
12
6%
6
4%
9
2.3
3
6.2
Pro
fit
Aft
er
Ta
x
66
.0
54
.1
52
.3
22
%
26
%
2
13
.5
1
87
.3
![Page 26: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/26.jpg)
25
25
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
2
5
Va
lue
s in
Rs
cro
re
Ba
lan
ce S
he
et
(Co
nso
lid
ate
d)
Q4
FY
16
Q4
FY
15
Q3
FY
16
% C
han
ge
F
Y1
6F
Y1
5Y
-o-Y
Q
-o-Q
LIA
BIL
ITIE
S
15
,52
3
1
4,8
82
1
5,7
40
4%
-1
%
1
5,5
23
1
4,8
82
Net
Wo
rth
2,1
51
1,6
55
2,2
80
3
0%
-6
%
2,1
51
1,6
55
Sh
are
Cap
ita
l
47
38
47
2
4%
0
%
4
7
3
8
Rese
rve
s a
nd
Su
rplu
s
2
,10
4
1,6
17
2,2
32
3
0%
-6
%
2,1
04
1,6
17
Min
ority
In
tere
st
42
40
41
5
%
2%
42
40
Pre
fere
nce
Cap
ita
l
13
1
33
49
-9
0%
-7
3%
13
1
33
Bo
rro
win
gs
1
1,8
89
11
,71
4
11
,92
2
1%
0
%
11
,88
9
11
,71
4
Oth
er
Lia
bili
ties
1
,42
8
1,3
41
1,4
49
6
%
-1%
1,4
28
1,3
41
AS
SE
TS
1
5,5
23
1
4,8
82
1
5,7
40
4%
-1
%
1
5,5
23
1
4,8
82
Lo
an
As
se
ts
14
,09
9
1
3,2
74
1
4,1
76
6%
-1
%
1
4,0
99
1
3,2
74
Fix
ed
Asse
ts
2
34
1
98
1
91
1
8%
2
2%
2
34
1
98
Oth
er A
sse
ts
7
62
7
74
9
52
-2
%
-20
%
76
2
77
4
Cash
& B
an
k B
ala
nce
4
29
6
36
4
21
-3
3%
2
%
42
9
63
6
TO
TA
L L
OA
N A
SS
ET
S
18
,18
3
1
9,5
67
1
8,5
21
-7%
-2
%
1
8,1
83
1
9,5
67
![Page 27: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/27.jpg)
26
26
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
2
6
Ke
y R
ati
os
(Co
nso
lid
ate
d)
*D
ue
to
ad
dit
ion
al E
qu
ity
cap
ita
l in
fusi
on
du
rin
g t
he
ye
ar.
CR
AR
ba
sed
on
MF
L (S
tan
da
lon
e)
fin
an
cia
ls.
Ass
ets
im
pli
es
ave
rag
e o
f o
pe
nin
g a
nd
clo
sin
g b
ala
nce
of
On
B/S
Ass
ets
of
MF
L (C
on
soli
da
ted
)
Q
4 F
Y1
6
Q4
FY
15
Q
3 F
Y1
6
Ch
an
ge
(in
Bp
s)
FY
16
F
Y1
5
Y-o
-Y
Q-o
-Q
To
tal
Inc
om
e/A
ss
ets
1
6.4
%
16
.7%
1
6.2
%
-24
2
0
16
.5%
1
7.0
%
In
tere
st E
xp
/Asse
ts
7.6
%
8.4
%
7.6
%
-73
5
7
.8%
8
.8%
Gro
ss
Sp
rea
ds
8.8
%
8.3
%
8.7
%
49
1
5
8.6
%
8.2
%
Pro
v &
WO
/Assets
2
.5%
1
.4%
2
.6%
111
-4
2
.5%
1
.7%
Op
ex/A
sse
ts
3.7
%
5.0
%
4.2
%
-13
6
-49
4
.2%
4
.9%
PB
T/A
sse
ts
2.6
%
1.9
%
1.9
%
74
6
9
2.0
%
1.6
%
Ro
A
1.7
%
1.4
%
1.3
%
25
3
4
1.4
%
1.3
%
Ro
E
*11
.7%
1
2.0
%
*9.1
%
-30
2
67
*1
0.8
%
10
.7%
CR
AR
Tie
r 1
1
4.6
%
11
.1%
1
4.8
%
35
2
-2
2
14
.6%
11
.1%
To
tal
1
8.7
%
16
.3%
1
9.1
%
24
2
-3
5
18
.7%
1
6.3
%
![Page 28: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/28.jpg)
27
27
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
2
7
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
2
7
Lea
de
rsh
ip T
ea
m
Bu
sin
ess
Ov
erv
iew
, C
om
pe
titi
ve
Str
en
gth
s a
nd
Str
ate
gy
An
ne
xure
s
Fin
an
cia
l R
esu
lts
– Q
4 F
Y1
6
![Page 29: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/29.jpg)
28
28
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
2
8
Inte
gri
ty a
nd
C
red
ibil
ity
Tru
st a
nd
R
esp
ect
fo
r P
eo
ple
De
ma
nd
ing
E
xce
lle
nce
Fa
irn
ess
an
d
Imp
art
iali
ty
Op
en
ne
ss a
nd
Tr
an
spa
ren
cy
Ma
gm
a’s
Co
re V
alu
es
Str
on
g C
orp
ora
te G
ov
ern
an
ce
![Page 30: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/30.jpg)
29
29
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
2
9
Ma
ya
nk
Po
dd
ar
Ch
air
ma
n
nS
up
po
rts
po
licy
fo
rmu
lati
on
an
d
gu
ida
nce
to
th
e
Ma
na
ge
me
nt/
Bo
ard
nO
ver
30
ye
ars
of
exp
eri
en
ce
in t
he
fin
an
cia
l se
cto
r.
Sa
nja
y
Ch
am
ria
VC
an
d M
D
nA
nch
ors
st
rate
gic
p
oli
cy
form
ula
tio
n a
nd
exe
cuti
on
.
nD
rive
s n
ew
b
usi
ne
ss
init
iati
ves
an
d
lea
ds
ma
na
ge
me
nt
tea
m
Sa
nja
y N
ay
ar
–
No
n E
xe
cuti
ve
Dir
ect
or
(No
min
ee
of
KK
R)
CE
O a
nd
Co
un
try
He
ad
of
KK
R,
Ind
ia.
Ex
CE
O o
f C
iti
Ind
ia
&
So
uth
A
sia
op
era
tio
ns
Rit
va
La
uk
ka
ne
n
– N
on
Exe
cuti
ve
Dir
ect
or
(No
min
ee
of
IFC
)
Ex-
Dir
ect
or
in
IFC
. O
ver
3
de
cad
es
of
exp
eri
en
ce
in
inve
stm
en
ts,
fin
an
cia
l
ma
rke
ts a
nd
de
velo
pm
en
t
fin
an
ce
Na
ray
an
K
Se
sha
dri
En
tre
pre
ne
ur
con
sult
an
t.
Fo
rme
r C
ou
ntr
y
He
ad
-
KP
MG
C
on
sult
ing
&
H
ea
d
of
Bu
sin
ess
C
on
sult
ing
in
Art
hu
r A
nd
ers
en
Na
ba
nk
ur
Gu
pta
Fo
un
de
r -
No
bb
y
Bra
nd
Arc
hit
ect
s &
Str
ate
gic
Ma
rke
tin
g
C
on
sult
an
ts.
Pio
ne
er
of
sub
b
ran
din
g
an
d
mu
lti
bra
nd
ing
in
Ind
ia.
Als
o s
erv
ed
as
Gro
up
Pre
sid
en
t in
Ra
ym
on
d
Sa
tya
Bra
ta
Ga
ng
uly
Ch
air
ma
n
Em
eri
tus
of
Exi
de
In
du
stri
es.
Se
rve
s o
n
the
B
oa
rds
of
vari
ou
s
rep
ute
d
Ind
ian
co
rpo
rate
an
d
pu
bli
c b
od
ies
as
an
Ind
ep
en
de
nt
Dir
ect
or
Pro
mo
ter
Dir
ect
ors
N
on
Pro
mo
ter
Dir
ect
ors
Bo
ard
of
Dir
ect
ors
![Page 31: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/31.jpg)
30
30
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
3
0
Fin
an
cin
g b
usi
ne
ss
Ge
ne
ral
Insu
ran
ce b
usi
ne
ss
(Ma
gm
a H
DI)
S
up
po
rt f
un
ctio
ns
•S
en
ior
ma
na
ge
me
nt
wit
h e
xte
nsi
ve
ex
pe
rie
nce
bo
th w
ith
in M
ag
ma
an
d i
n t
he
in
du
stry
Sw
ara
j K
rish
na
n
CE
O-M
HD
I 3
8 y
ea
rs,
CE
O-B
aja
j A
llia
nz
Atu
l B
an
sal
Ch
ief
Fin
an
cia
l O
ffic
er
31
ye
ars
, C
FO
-Mu
Sig
ma
Vik
as
Mit
tal
Ch
ief
Sa
les
Off
ice
r-M
HD
I 2
3 y
ea
rs,
MD
&C
EO
-En
am
Se
curi
tie
s
Ka
ila
sh B
ah
eti
Ch
ief
Str
ate
gy
Off
ice
r 2
8 y
ea
rs,
CE
O-C
en
tury
Ext
rusi
on
s
Ra
j K
um
ar
Ka
po
or
Ch
ief
Au
dit
Off
ice
r 2
9 y
ea
rs,
Ch
ief
Inte
rna
l A
ud
ito
r
– J
ub
ila
nt
Org
an
osy
s
Jan
et
Ga
spe
r C
ho
wd
hu
ry
Ch
ief
Pe
op
le O
ffic
er
20
ye
ars
, D
ire
cto
r-P
wC
Sa
chin
Kh
an
de
lwa
l
MD
& C
EO
, H
FC
2
3 y
ea
rs,
CE
O-I
CIC
I H
FC
Ma
he
nd
er
Ba
gro
dia
Ch
ief
of
Re
ceiv
ab
les
Mg
mt
23
ye
ars
Su
mit
Mu
kh
erj
ee
Na
tio
na
l B
usi
ne
ss H
ea
d –
A
BF
2
4 y
ea
rs,
VP
-Cit
ico
rp
Na
me
, C
urr
en
t
resp
on
sib
ilit
y, E
xpe
rie
nce
in y
ea
rs, P
revi
ou
s
org
an
isa
tio
n
Sa
nja
y C
ha
mri
a
VC
an
d M
D
31
ye
ars
Ma
na
ge
me
nt
Tea
m
Jash
ob
rata
Bo
se
Se
nio
r V
ice
Pre
sid
en
t –
Co
rpo
rate
In
itia
tive
s
16
ye
ars
, D
ire
cto
r -
Sa
no
fi
![Page 32: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/32.jpg)
31
31
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
3
1
Top
No
n P
rom
ote
r S
ha
reh
old
ers
S
ha
reh
old
ing
of
Ma
gm
a F
inco
rp (
on
31
Ma
r 2
01
6)
Ne
t W
ort
h a
nd
PA
T f
or
all
su
bsi
dia
rie
s/JV
s (a
t 1
00
% v
alu
e)
a6
r F
Y1
5 f
ina
nci
als
Ma
gm
a F
inco
rp
(Sta
nd
alo
ne
)
Ma
gm
a I
TL
JV
(tra
cto
r b
iz)
Ma
gm
a H
DI
JV
(ge
ne
ral
Insu
ran
ce b
iz)
Ma
gm
a H
ou
sin
g
Fin
an
ce
Ma
gm
a F
inco
rp (
Co
nso
lid
ate
d)
10
0%
7
4%
4
1%
1
00
%
Ne
t W
ort
h:
Rs
2,0
31
cr
PA
T:
Rs
18
7.1
cr
Ne
t W
ort
h:
Rs
16
1 c
r
PA
T:
Rs
8.1
cr
Ne
t W
ort
h:
Rs
21
9.
cr
PA
T:
Rs
(11
.9)
cr
Ne
t W
ort
h:
Rs
24
1 c
r
PA
T:
Rs
22
.8 c
r
Ne
t W
ort
h:
Rs
2,1
51
cr
PA
T:
Rs
21
3.5
cr
nK
KR
nIN
DIA
VA
LUE
FU
ND
nIN
TE
RN
AT
ION
AL
FIN
AN
CE
CO
RP
OR
AT
ION
nLE
AP
FR
OG
IN
VE
ST
ME
NT
S
nC
HR
YS
CA
PIT
AL
•R
ais
ed
Rs
50
0 c
rore
fro
m I
nd
ia V
alu
e F
un
d,
Lea
pfr
og
In
ve
stm
en
ts a
nd
KK
R i
n M
ay
20
15
Ho
ldin
g S
tru
ctu
re,
Sh
are
ho
ldin
g P
att
ern
an
d T
op
Sh
are
ho
lde
rs
Va
lue
s b
ase
d o
n M
FL
Co
nso
lid
ate
d f
ina
nci
als
fo
r F
Y1
6
Pro
mo
ters
,
27
.0%
Ove
rse
as
Bo
die
s, 4
0.5
%
FII
, 2
3.2
%
Do
me
stic
Inve
sto
rs,
5.5
%
Pu
bli
c, 3
.8%
![Page 33: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/33.jpg)
32
32
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
3
2
32
3
2
Fo
rwa
rd L
oo
kin
g S
tate
me
nts
Ce
rta
in s
tate
me
nts
in
th
is d
ocu
me
nt
wit
h w
ord
s o
r p
hra
ses
such
as
“wil
l”,
“sh
ou
ld”,
etc
..,
an
d s
imil
ar
exp
ress
ion
s o
r va
ria
tio
n o
f
the
se e
xpre
ssio
ns
or
tho
se c
on
cern
ing
ou
r fu
ture
pro
spe
cts
are
fo
rwa
rd l
oo
kin
g s
tate
me
nts
.A
ctu
al
resu
lts
ma
y d
iffe
r m
ate
ria
lly
fro
m t
ho
se s
ug
ge
ste
d b
y t
he
fo
rwa
rd l
oo
kin
g s
tate
me
nts
du
e t
o a
nu
mb
er
of
risk
s o
r u
nce
rta
inti
es
ass
oci
ate
d w
ith
th
e
exp
ect
ati
on
s.
Th
ese
ris
ks
an
d u
nce
rta
inti
es
incl
ud
e,
bu
t a
re n
ot
lim
ite
d t
o,
ou
r a
bil
ity
to
su
cce
ssfu
lly
im
ple
me
nt
ou
r st
rate
gy
an
d
cha
ng
es
in g
ov
ern
me
nt
po
lici
es.
Th
e c
om
pa
ny
ma
y,
fro
m t
ime
to
tim
e,
ma
ke
ad
dit
ion
al
wri
tte
n a
nd
ora
l fo
rwa
rdlo
ok
ing
sta
tem
en
ts,
incl
ud
ing
sta
tem
en
ts c
on
tain
ed
in
th
e c
om
pa
ny
’s f
ilin
gs
wit
h t
he
sto
ck e
xch
an
ge
sa
nd
ou
r re
po
rts
to s
ha
reh
old
ers
.
Th
e c
om
pa
ny
do
es
no
t u
nd
ert
ak
e t
o u
pd
ate
an
y f
orw
ard
-lo
ok
ing
sta
tem
en
ts t
ha
t m
ay
be
ma
de
fro
m t
ime
to
tim
e b
y o
r o
n b
eh
alf
of
the
co
mp
an
y.
TH
AN
K Y
OU
![Page 34: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/34.jpg)
33
33
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
3
3
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
3
3
Lea
de
rsh
ip T
ea
m
Bu
sin
ess
Ov
erv
iew
, C
om
pe
titi
ve
Str
en
gth
s a
nd
Str
ate
gy
An
ne
xure
s
Fin
an
cia
l R
esu
lts
– Q
4 F
Y1
6
![Page 35: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/35.jpg)
34
34
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
3
4
Pro
fit
& L
oss
Sta
tem
en
t (S
tan
da
lon
e)
All
va
lue
s in
Rs
cro
re
Q
4 F
Y1
6
Q4
FY
15
Q
3 F
Y1
6
% C
han
ge
F
Y1
6
FY
15
Y
-o-Y
Q
-o-Q
In
co
me
fro
m O
ps.
53
6.3
53
1.4
53
0.7
1
%
1%
2
,10
9.6
2,0
18
.8
In
tere
st E
xp
en
se
s
2
49
.6
2
65
.5
2
47
.0
-6%
1
%
9
98
.1
1
,06
1.4
Net
Op
era
tin
g In
co
me
28
6.7
26
6.0
28
3.8
8
%
1%
1
,111.6
9
57
.3
Oth
er
Inco
me
6.6
5.3
5.9
2
4%
1
2%
2
9.5
27
.2
Net
To
tal
Inc
om
e
2
93
.3
2
71
.3
2
89
.7
8%
1
%
1,1
41
.1
98
4.5
Pro
v./W
rite
Off
s
87
.4
47
.9
90
.7
82
%
-4%
33
7.4
2
22
.6
Po
st
Pro
v P
rofi
t
2
05
.9
2
23
.4
1
99
.0
-8%
3
%
8
03
.7
76
2.0
Op
era
tin
g E
xp
en
se
s
1
20
.8
1
64
.0
1
38
.5
-26
%
-13
%
5
37
.7
58
6.8
:P
ers
on
nel E
xp
en
se
s
53
.1
84
.7
62
.9
-37
%
-16
%
2
46
.6
28
9.7
:O
the
r E
xp
en
se
s
58
.7
67
.2
64
.9
-13
%
-10
%
2
51
.8
26
2.6
:D
ep
recia
tion
8.9
1
2.0
1
0.6
-2
6%
-1
6%
3
9.3
34
.5
Pro
fit
Befo
re T
ax
8
5.1
5
9.4
6
0.6
4
3%
4
1%
26
6.0
1
75
.1
Ta
xe
s
29
.0
13
.3
17
.0
11
8%
7
0%
7
8.8
26
.0
Pro
fit
Aft
er
Ta
x
56
.1
46
.1
43
.6
22
%
29
%
1
87
.1
14
9.1
![Page 36: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/36.jpg)
35
35
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
3
5 Ba
lan
ce S
he
et
(Sta
nd
alo
ne
)
All
va
lue
s in
Rs
cro
re
Q
4 F
Y1
6
Q4
FY
15
Q
3 F
Y1
6
% C
han
ge
F
Y1
6
FY
15
Y
-o-Y
Q
-o-Q
LIA
BIL
ITIE
S
12
,90
9
1
2,3
12
1
2,9
99
5%
-1
%
1
2,9
09
1
2,3
12
Net
Wo
rth
2,0
31
1,3
84
2,0
03
4
7%
1
%
2,0
31
1
,38
4
Sh
are
Cap
ita
l 4
7
38
4
7
24
%0
%4
7
38
Rese
rve
s a
nd
Su
rplu
s
1
,98
4
1,3
45
1,9
55
4
7%
1
%
1,9
84
1
,34
5
Pre
fere
nce
Cap
ita
l
13
97
13
-8
7%
0
%
13
9
7
Bo
rro
win
gs
9,8
25
9,8
15
9,9
65
0
%
-1%
9,8
25
9
,81
5
Oth
er
Lia
bili
ties
1
,03
9
1,0
16
1,0
19
2
%
2%
1,0
39
1
,01
6
AS
SE
TS
1
2,9
09
1
2,3
12
1
2,9
99
5%
-1
%
1
2,9
09
1
2,3
12
Lo
an
As
se
ts
11
,65
0
11
,04
0
11
,78
5
6%
-1
%
11
,65
0
11
,040
Fix
ed
Asse
ts
1
69
1
81
1
74
-7
%
-3%
1
69
18
1
Oth
er A
sse
ts
7
23
5
22
6
66
3
9%
8
%
7
23
52
2
Cash
& B
an
k B
ala
nce
3
68
5
69
3
75
-3
5%
-2
%
3
68
56
9
TO
TA
L L
OA
N A
SS
ET
S
15
,15
9
1
6,9
21
1
5,7
39
-10
%
-4%
1
5,1
59
1
6,9
21
![Page 37: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/37.jpg)
36
36
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
3
6
All
va
lue
s in
Rs
cro
re
Pro
fit
& L
oss
Sta
tem
en
t: M
ag
ma
Ho
usi
ng
Fin
an
ce (
MH
F)
Q4
FY
16
Q4
FY
15
Q3
FY
16
% C
han
ge
FY
16
FY
15
Y-o
-Y
Q-o
-Q
To
tal In
co
me
6
5.3
5
6.2
6
1.2
1
6%
7
%
24
2.4
1
92
.1
In
tere
st E
xp
en
se
s
35
.7
34
.6
33
.5
3%
7
%
14
2.0
11
7.8
Net
Inco
me
2
9.6
2
1.7
2
7.8
3
7%
7
%
10
0.5
7
4.3
Pro
v./W
rite
Off
s
4.9
3
.4
2.0
4
2%
1
38
%
11
.3
7.7
Op
era
tin
g E
xp
en
se
s
14
.6
13
.4
12
.9
8%
1
3%
5
3.8
5
0.2
Pro
fit
Befo
re T
ax
1
0.2
4
.8
12
.8
11
3%
-2
0%
3
5.3
1
6.4
Ta
xe
s
3.6
1
.9
4.6
9
4%
-2
1%
1
2.5
5
.8
Pro
fit
Aft
er
Ta
x
6.6
2
.9
8.2
1
25
%
-20
%
22
.8
10
.6
![Page 38: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/38.jpg)
37
37
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
3
7
Pro
fit
& L
oss
Sta
tem
en
t: M
ag
ma
IT
L (M
ITL)
All
va
lue
s in
Rs
cro
re
Q
4 F
Y1
6
Q4
FY
15
Q
3 F
Y1
6
% C
han
ge
FY
16
F
Y1
5
Y-o
-Y
Q-o
-Q
Inco
me
fro
m O
ps.
3
0.7
3
5.4
2
8.4
-1
3%
8
%
1
20
.1
1
40
.8
Inte
rest E
xp
en
se
s
14
.1
14
.5
13
.3
-2%
7
%
53
.0
58
.7
Net
Op
era
tin
g In
co
me
1
6.6
2
0.9
1
5.1
-2
1%
1
0%
6
7.2
8
2.1
Oth
er
Inco
me
1.5
1.1
1.7
3
5%
-1
1%
5.3
5.6
Net
To
tal
Inc
om
e
18
.1
22
.0
16
.8
-18
%
8%
7
2.5
8
7.8
Pro
v./W
rite
Off
s
6
.3
1
.8
6
.8
25
2%
-7
%
26
.3
14
.1
Op
era
tin
g E
xp
en
se
s
8
.4
1
2
9
.6
-28
%
-12
%
39
.4
45
.0
Pro
fit
Befo
re T
ax
3.3
8.6
0.4
-6
1%
7
50
%
6
.8
28
.7
Ta
xe
s
0
.8
1
.3
0
.0
-41
%
16
74
%
-
1.2
3.3
Pro
fit
Aft
er
Ta
x
2
.5
7
.2
0
.3
-65
%
63
1%
8.1
2
5.4
![Page 39: Investors/Analysts' Presentation [Company Update]](https://reader033.vdocuments.net/reader033/viewer/2022042721/577c7e161a28abe054a08404/html5/thumbnails/39.jpg)
38
38
Bri
ng
ing
Eq
ua
lity
of
Op
po
rtu
nit
y
to t
he
Eco
no
mic
all
y D
ise
nfr
an
chis
ed
3
8
All
va
lue
s in
Rs
cro
re
Pro
fit
& L
oss
Sta
tem
en
t: M
ag
ma
HD
I G
en
era
l In
sura
nce
Co
mp
an
y (
MH
DI)
Q
4 F
Y1
6
Q4
FY
15
Q
3 F
Y1
6
% C
han
ge
FY
16
F
Y1
5
Y-o
-Y
Q-o
-Q
Gro
ss
Wri
tte
n P
rem
ium
11
6.5
1
83
.3
10
0.9
-3
6%
1
5%
4
27
.4
55
4.8
Net
Ea
rne
d P
rem
ium
8
2.5
1
03
.8
90
.9
-21
%
-9%
3
73
.2
40
6.2
(-)
Cla
ims In
cu
rre
d
66
.1
10
2.4
7
4.8
-3
5%
-1
2%
3
20
.4
34
0.5
(-)
Net
Co
mm
issio
n
1.3
4
.2
3.5
-6
8%
-6
2%
11
.5
1
8.7
(-)
Ma
na
ge
ment E
xp
en
se
s
28
.4
32
.4
33
.0
-12
%
-14
%
12
6.1
12
1.3
Un
de
rwri
tin
g P
rofi
t
-13
.3
-35
.1
-20
.4
-62
%
-35
%
-84
.8
-7
4.4
(+)
Inve
stm
en
t In
co
me
2
0.4
2
7.3
2
0.9
-2
5%
-3
%
78
.2
8
3.0
Pro
fit
Befo
re T
ax
7
.1
-7.8
0
.5
-19
0%
1
25
3%
-6
.6
8.6
(-)
Ta
xe
s
5.3
-2
.0
0.0
-3
58
%
0%
5
.3
2.8
Pro
fit
Aft
er
Ta
x
1.8
-5
.8
0.5
-1
31
%
24
2%
-1
1.9
5.8