Note 46: Disclosures pursuant to the RBI Master direction circular RBI/DoR/2023-24/106 DoR.FIN.REC. No.45/03.10.119/2023-24 (Cont'd) viii) Additional Disclosures (Cont'd) B) Draw Down from Reserves There have been no instances of draw down from reserves by the Company during the current and previous year. C) Concentration of Advances, Exposures and NPAs Particulars As at 31 March 2024 As at 31 March 2023 a) Concentration of Advances Total Advances to twenty largest borrowers 19,863.44 865.87 Percentage of advances to twenty largest borrowers to total advances 2.90% 0.17% b) Concentration of Exposures Total exposure to twenty largest borrowers/ customers 21,363.44 865.87 Percentage of exposures to twenty largest borrowers/ customers to total exposure 3.12% 0.17% c) Concentration of NPAs Total exposure to top four NPA accounts 31.88 29.46 D) Sectoral exposure Sectors As at 31 March 2024 As at 31 March 2023 Total exposure (includes on balance sheet and off-balance sheet exposure) Gross NPAs Percentage of Gross NPAs to total exposure in that sector Total exposure (includes on balance sheet and off-balance sheet exposure) Gross NPAs Percentage of Gross NPAs to total exposure in that sector 1. Agriculture and allied activities - - - - - - 2. Industry - - - - - - 3. Services i. Secured term loan 19,706.76 29.29 0.15% 854.79 26.06 3.05% ii. Others - - - - - - Total of services (i+ii) 19,706.76 29.29 0.15% 854.79 26.06 3.05% 4. Personal loans i. Retail loans 1,844.09 152.62 8.28% 4,695.96 824.50 17.56% ii. Others - - - - - - Total of personal loans (i+ii) 1,844.09 152.62 8.28% 4,695.96 824.50 17.56% 5. Others (Microfinance loan) 6,57,068.61 11,180.35 1.70% 5,01,135.37 13,662.95 2.73% Total 6,78,619.46 11,362.26 1.67% 5,06,686.12 14,513.51 2.86% Arohan Financial Services Limited Notes to financial statements for the year ended March 31, 2024 (Contd.) (All amounts in ` lakhs unless otherwise stated) | 192 Annual Report | 2023-2024
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