Arohan Financial Services Limited | Annual Report 2021-22

162 | Annual Report | 2021-2022 Arohan Financial Services Limited Summary of significant accounting policies and other explanatory information for the year ended 31 March, 2022 (Contd.) (All amounts in ` lakhs unless otherwise stated) Note 4: Cash and cash equivalents As at 31 March 2022 As at 31 March 2021 Cash on hand 55.57 171.55 Balances with banks - in current accounts 9,747.32 9,278.90 - deposits for original maturity of less than 3 months 85,560.03 1,06,351.30 Total 95,362.92 1,15,801.75 Note 5: Other bank balances As at 31 March 2022 As at 31 March 2021 Deposits with remaining maturity of more than 3 months but less than 12 months 1.02 9.86 Deposits with remaining maturity of more than 12 months - 6.32 Balance with banks and financial institutions to the extent held as margin money deposits against borrowings and guarantees [Refer Note (a) below] - with maturity less than 3 months - 298.66 - with maturity more than 3 months but less than 12 months 12,642.33 11,619.67 - with maturity more than 12 months 22,729.03 7,314.91 Total 35,372.38 19,249.42 Particulars As at 31 March 2022 As at 31 March 2021 Term loans from banks and financial Institutions 21,147.42 18,661.50 Overdraft facilities 53.75 65.55 Collateral against securitisations 14,170.19 - Partnership arrangements (as business correspondent) - 506.19 Total 35,371.36 19,233.24 (a) The deposits are under lien as security against term loans and overdraft facilities availed, assets securitised, business correspondent services, etc as below: