165 | Annual Report | 2024-2025 Arohan Financial Services Limited Notes to financial statements for the year ended March 31, 2025 (Contd.) (All amounts in ` lakhs unless otherwise stated) Note 7: Loans (at amortised cost) As at March 31, 2025 As at March 31, 2024 Term loans Secured loans (*) 35,288.19 19,706.76 Unsecured loans 5,58,141.76 6,58,912.70 Gross loans 5,93,429.95 6,78,619.46 Less: Impairment loss allowance (#) (22,919.11) (17,045.67) Net loans 5,70,510.84 6,61,573.79 (i) Secured by tangible assets (*) 35,288.19 19,706.76 (ii) Secured by intangible assets - - (iii) Covered by bank/ Government guarantees - - (iv) Unsecured 5,58,141.76 6,58,912.70 Gross loans 5,93,429.95 6,78,619.46 Less: Impairment loss allowance (#) (22,919.11) (17,045.67) Net loans 5,70,510.84 6,61,573.79 Loans in India (i) Public sector - - (ii) Others 5,93,429.95 6,78,619.46 Gross loans 5,93,429.95 6,78,619.46 Less: Impairment loss allowance (#) (22,919.11) (17,045.67) Net loans 5,70,510.84 6,61,573.79 (*) Note: 1. Represents maximum exposure to credit risk at the end of the year without taking account of any collateral held or other credit enhancements. 2. Secured against standard book debts except for a loan against which security is credit-impaired amounting to ₹21.47 lakhs as at March 31, 2025 (March 31, 2024: ₹31.51 lakhs) which are fully provided. 3. No significant changes in the quality of above collateral mentioned in point 2. 4. There is no unrecognised loss allowance because of the collateral. (#) Impairment allowance includes management overlay of ₹4,634.78 lakhs as on March 31, 2025 (March 31, 2024: ₹4,083.18 lakhs).
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