| 142 Annual Report | 2023-2024 Financials (*) Includes advance against book debts (#) Impairment allowance includes management overlay of `4,083.18 lakhs as on March 31, 2024 (March 31, 2023 : `5,517.37 lakhs). Arohan Financial Services Limited Notes to financial statements for the year ended March 31, 2024 (Contd.) (All amounts in ` lakhs unless otherwise stated) Note 7: Loans As at 31 March 2024 As at 31 March 2023 At amortised cost At fair value through other comprehensive income Total At amortised cost At fair value through other comprehensive income Total Term loans Secured loans 19,706.76 - 19,706.76 854.79 - 854.79 Unsecured loans 6,58,912.70 - 6,58,912.70 5,05,831.33 - 5,05,831.33 Gross loans 6,78,619.46 - 6,78,619.46 5,06,686.12 - 5,06,686.12 Less: Impairment allowance (#) (17,045.67) - (17,045.67) (28,464.17) - (28,464.17) Net loans 6,61,573.79 - 6,61,573.79 4,78,221.95 - 4,78,221.95 (i) Secured by tangible assets (*) 19,706.76 - 19,706.76 854.79 - 854.79 (ii) Secured by intangible assets - - - - - - (iii) Covered by bank/ Government guarantees - - - - - - (iv) Unsecured 6,58,912.70 - 6,58,912.70 5,05,831.33 - 5,05,831.33 Gross loans 6,78,619.46 - 6,78,619.46 5,06,686.12 - 5,06,686.12 Less: Impairment allowance (#) (17,045.67) - (17,045.67) (28,464.17) - (28,464.17) Net loans 6,61,573.79 - 6,61,573.79 4,78,221.95 - 4,78,221.95 Loans in India (i) Public sector - - - - - - (ii) Others 6,78,619.46 - 6,78,619.46 5,06,686.12 - 5,06,686.12 Gross loans 6,78,619.46 - 6,78,619.46 5,06,686.12 - 5,06,686.12 Less: Impairment allowance (#) (17,045.67) - (17,045.67) (28,464.17) - (28,464.17) Total - Net 6,61,573.79 - 6,61,573.79 4,78,221.95 - 4,78,221.95
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