221 | 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 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) F) Movement of NPAs Particulars As at March 31, 2025 As at March 31, 2024 i) Net NPAs to net advances (%) 0.53% 0.00% ii) Movement of gross NPA's a) Opening balance 11,362.25 14,513.51 b) Additions during the year 50,090.94 22,440.57 c) Reductions during the year (44,523.53) (25,591.83) d) Closing balance 16,929.66 11,362.25 iii) Movement of net NPA's a) Opening balance - 1,045.59 b) Additions during the year 7,781.52 - c) Reductions during the year (4,683.01) (1,045.59) d) Closing balance 3,098.51 - iv) Movement of provisions for NPA's (excluding provisions on standard assets) a) Opening balance 11,362.25 13,467.92 b) Provisions made during the year 42,309.42 22,440.57 c) Write-off/ write-back of excess provision (39,840.52) (24,546.24) d) Closing balance 13,831.15 11,362.25 G) Overseas Assets (for those with Joint Ventures and Subsidiaries abroad) The Company did not have any overseas assets during the current and previous year. H) Off-balance sheet SPVs sponsored The Company did not sponsor any SPVs during the current and previous year. ix) Disclosure of customer complaints Particulars As at March 31, 2025 As at March 31, 2024 a) Complaints received by the NBFC from its customers 1. Number of complaints pending at beginning of the year 28 21 2. Number of complaints received during the year 2,205 2,414 3. Number of complaints disposed during the year 2,211 2,407 3.1 Of which, number of complaints rejected by the NBFC - - 4. Number of complaints pending at the end of the year 22 28
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