185 | 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 28: Interest income (Measured at amortised cost) Year ended March 31, 2025 Year ended March 31, 2024 Interest Income Interest on loan portfolio 1,49,104.31 1,35,286.53 Interest on deposits with banks 6,010.92 5,521.08 Interest income on investments 2,165.00 - Interest income on unwinding of assigned portfolio 822.34 948.38 Other interest Income 15.22 12.59 Total 1,58,117.79 1,41,768.58 Note 29: Dividend income (Measured at amortised cost) Year ended March 31, 2025 Year ended March 31, 2024 Dividend Income 12.50 - Total 12.50 - Note 30: Fees and commission income Year ended March 31, 2025 Year ended March 31, 2024 Income from cross sale business 1,354.49 15,912.22 Income from insurance commission 4,573.45 973.69 Other insurance related income 3,725.81 - Total 9,653.75 16,885.91 Note: 1. Revenue from fees and commission are generated in India and at a fixed rate which are recognised at a point in time. 2. Payments are received as per the agreed credit period. 3. There are no adjustments made to the contract price. Note 31: Net gain on derecognition of financial instruments under amortised cost category Year ended March 31, 2025 Year ended March 31, 2024 Gain on sale of loan portfolio through assignment 1,167.91 4,132.58 Total 1,167.91 4,132.58 Note 32: Other operating income Year ended March 31, 2025 Year ended March 31, 2024 Other operating income (*) 222.75 82.16 Total 222.75 82.16 (*) Other operating income includes ₹168.95 lakhs (March 31, 2024: nil) towards reimbursement of expenses.
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