| 214 Annual Report | 2024-2025 Financials iv) Disclosures relating to Securitisation (cont'd) A) Securitisation (cont'd) As at March 31, 2025 As at March 31, 2024 B) On-balance sheet exposures (a) First loss in the form of 3,278.76 14,557.96 (i) Fixed deposits 1,228.53 6,189.48 (ii) Over collateral 2,050.23 8,368.48 (b) Others - - 4) Amount of exposures to securitisation transactions other than MRR a) Off-balance sheet exposures (i) Exposure to own securitisations - First loss - - - Others - - (ii) Exposure to third party securitisations - First loss - - - Others - - b) On-balance sheet exposures (i) Exposure to own securitisations - First loss - - - Others - - (ii) Exposure to third party securitisations - First loss - - - Others - - 5. Sale consideration received for the securitised assets and gain/ loss on sale on account of securitisation 19,614.28 94,561.61 6. Outstanding value of services provided by way of, liquidity support, post-securitisation asset servicing, etc.(*) 935.18 49,372.03 7. Performance of facility provided viz. credit enhancement, liquidity support, servicing agent etc. Credit enhancement: (a) Amount paid 4035.90 (18.00%) 19,599.99 (18.15%) (b) Repayment received 757.14 (3.38%) 5,042.03 (4.67%) (c) Outstanding amount 3,278.76 (14.62%) 14,557.96 (13.48%) Servicing agent: (a) Amount paid 2.00 2.50 (b) Repayment received - - (c) Outstanding amount - - 8. Average default rate of portfolios observed in the past in respect of microfinance loans Nil Nil 9. Amount and number of additional/ top up loan given on same underlying asset. Nil Nil 10. Investor complaints (a) Directly/Indirectly received and; Nil Nil (b) Complaints outstanding Nil Nil (*) The total amount of securitised assets includes over collateral of ₹2,050.23 lakhs (March 31, 2024: ₹8,368.48 lakhs) Arohan Financial Services Limited Notes to financial statements for the year ended March 31, 2025 (Contd.) (All amounts in ` lakhs unless otherwise stated) Note 48: 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)
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