151 | Annual Report | 2023-2024 Arohan Financial Services Limited Notes to financial statements for the year ended March 31, 2024 (Contd.) (All amounts in ` lakhs unless otherwise stated) Note 20: Terms of repayment of debt securities, other borrowings and subordinated liabilities As on March 31, 2024: Repayment Interest rate range Due within 1 year Due within 1 to 2 years Due within 2 to 3 years Due within 3 to 4 years Due after 4 years Total Amount No. of instalments Amount No. of instalments Amount No. of instalments Amount No. of instalments Amount No. of instalments Amount Monthly Up to 9% 48 11,816.09 11 1,833.34 - - - - - - 13,649.43 9% to 12% 693 1,92,475.58 453 1,27,695.14 122 27,024.12 - - - - 3,47,194.84 12% to 15% 55 14,748.00 6 539.19 - - - - - - 15,287.19 Bi-monthly 9% to 12% 6 4,500.00 - - - - - - - - 4,500.00 Quarterly 9% to 12% 81 55,324.01 43 25,135.97 3 1,101.66 - - - - 81,561.64 12% to 15% 17 8,529.14 - - - - - - - - 8,529.14 Semi-annually 9% to 12% 5 7,762.50 5 12,212.42 1 5,200.00 2 10,400.00 - - 35,574.92 12% to 15% 1 3,250.00 - - - - - - - - 3,250.00 Bullet 12% to 15% - - 3 15,000.00 1 2,500.00 2 22,500.00 - - 40,000.00 Above 15% - - - - - - 1 11,500.00 - - 11,500.00 Monthly (*) 9% to 13% 61 39,567.41 3 1,436.14 - - - - - - 41,003.55 Total 3,37,972.73 1,83,852.20 35,825.78 44,400.00 - 6,02,050.71 (*) Represents securitised liability. As on March 31, 2023: Repayment Interest rate range Due within 1 year Due within 1 to 2 years Due within 2 to 3 years Due within 3 to 4 years Due after 4 years Total Amount No. of instalments Amount No. of instalments Amount No. of instalments Amount No. of instalments Amount No. of instalments Amount Monthly Up to 9% 40 6,697.03 24 3,818.07 - - - - - - 10,515.10 9% to 12% 311 75,053.21 204 59,144.77 51 20,536.23 - - - - 1,54,734.21 12% to 15% 24 11,034.59 17 8,283.80 - - - - - - 19,318.39 Bi-monthly 9% to 12% - - 6 4,500.00 - - - - - - 4,500.00 Quarterly 9% to 12% 91 49,839.32 51 37,830.01 12 5,493.18 - - - - 93,162.51 12% to 15% 16 17,798.67 4 666.64 - - - - - - 18,465.31 Semi-annually 9% to 12% 5 2,780.00 1 750.00 - - - - - - 3,530.00 12% to 15% 2 3,250.00 1 3,250.00 - - - - - - 6,500.00 Annually 9% to 12% 1 840.00 - - - - - - - - 840.00 Bullet 9% to 12% 3 14,900.00 - - - - - - - - 14,900.00 12% to 15% 1 2,500.00 - - 3 15,000.00 1 2,500.00 3 34,000.00 54,000.00 On demand Variable rates - 95.46 - - - - - - - - 95.46 Monthly (*) 8% to 14% 135 72,116.94 1 23.04 - - - - - - 72,139.98 Total 2,56,905.22 1,18,266.33 41,029.41 2,500.00 34,000.00 4,52,700.96 (*) Represents securitised liability. Notes: All the above repayments disclosed as per the contractual maturities of debt securities, borrowings other than debts securities and subordinate liabilities at gross carrying value. There have been no defaults in repayment of debentures or any instalments of term loan taken from banks and others.
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