| 220 Annual Report | 2024-2025 Financials 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) viii) Additional Disclosures (cont'd) D) Sectoral exposure Sectors As at March 31, 2025 As at March 31, 2024 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 35,288.19 32.51 0.09% 19,706.76 29.29 0.15% ii. Others - - - - - - Total of services (i+ii) 35,288.19 32.51 0.09% 19,706.76 29.29 0.15% 4. Personal loans i. Retail loans 13,684.22 63.73 0.47% 1,844.09 152.62 8.28% ii. Others - - - - - - Total of personal loans (i+ii) 13,684.22 63.73 0.47% 1,844.09 152.62 8.28% 5. Others (Microfinance loan) 5,44,457.54 16,833.42 3.09% 6,57,068.61 11,180.34 1.70% Total 5,93,429.95 16,929.66 2.85% 6,78,619.46 11,362.25 1.67% E) Sector-wise NPAs - Percentage of NPAs to total advances in that sector Particulars As at March 31, 2025 As at March 31, 2024 Agriculture & allied activities Nil Nil MSME Nil Nil Corporate borrowers (*) Nil Nil Services 0.09% 0.15% Unsecured personal loans 0.47% 8.28% Microfinance Loan 3.09% 1.70% Auto loans Nil Nil Other personal loans Nil Nil (*) Corporate borrowers are included in the respective sector.
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