223 | 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) x) Information on instances of fraud identified during the year Particulars As at March 31, 2025 As at March 31, 2024 Nature of fraud A. Cash embezzlement No. of cases 2,526 1,925 Amount of fraud 395.83 231.60 Recovery 68.28 31.49 Amount provided for 327.55 200.11 B. Loans given against fictitious documents No. of cases 90 49 Amount of fraud 134.15 169.38 Recovery 6.46 5.17 Amount provided for 127.69 164.21 C. Others (Snatching etc.) No. of cases 52 31 Amount of fraud 38.31 28.54 Recovery 13.34 4.36 Amount provided for 24.97 24.18 Liabilities side: (1) Loans and advances availed by the non-banking financial company inclusive of interest accrued thereon but not paid (*): Particulars As at March 31, 2025 As at March 31, 2024 Amount outstanding Amount overdue Amount outstanding Amount overdue (a) Debentures Secured 21,428.42 - 41,141.52 - Unsecured 32,519.27 - 32,515.12 - (other than falling within the meaning of public deposits) (b) Deferred Credits - - - - (c) Term Loans - - - - Secured 4,09,119.31 - 4,81,785.75 - Unsecured 7,581.05 - 7,580.98 - (d) Inter-corporate loans and borrowing - - - - (e) Commercial Paper - - - - (f) Public Deposits - - - - (g) Other Loans (working capital loan and securitisation liability) 937.00 - 41,100.03 - (*) The above figure excludes adjustments of loan processing charges
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