159 | Annual Report | 2025-2026 Arohan Financial Services Limited Notes to financial statements for the year ended March 31, 2026 (cont’d) (All amounts in ₹ lakhs unless otherwise stated) Note 21(b): Terms of repayment of borrowings (other than debt securities) As on March 31, 2026: Repayment Interest rate range Due within 1 year Due within 1 to 2 years Due within 2 to 3 years Due within 3 to 4 years Due after 4 years Total Amount No. of instalments Amount No. of instalments Amount No. of instalments Amount No. of instalments Amount No. of instalments Amount Monthly Up to 9% 76 17,758.34 22 3,291.71 - - - - - - 21,050.05 9% to 12% 603 1,50,469.47 272 70,741.41 51 9,143.04 - - - - 2,30,353.92 12% to 15% - - - - - - - - - - - Quarterly Up to 9% 4 1,000.00 1 250.00 - - - - - - 1,250.00 9% to 12% 113 1,19,164.91 77 92,562.46 18 16,972.60 1 333.33 - - 2,29,033.30 12% to 15% - - - - - - - - - - - Semi-annually Up to 9% - - - - - - - - - - - 9% to 12% 12 15,209.65 6 5,747.19 - - - - - - 20,956.84 12% to 15% - - - - - - - - - - - Monthly (*) 9% to 12.50% 67 41,227.90 11 5,923.51 - - - - - - 47,151.41 Total 3,44,830.27 1,78,516.28 26,115.64 333.33 - 5,49,795.52 (*) Represents securitised liability from banks and others. As on March 31, 2025: Repayment Interest rate range Due within 1 year Due within 1 to 2 years Due within 2 to 3 years Due within 3 to 4 years Due after 4 years Total Amount No. of instalments Amount No. of instalments Amount No. of instalments Amount No. of instalments Amount No. of instalments Amount Monthly Up to 9% 9 1,499.99 2 333.35 - - - - - - 1,833.34 9% to 12% 625 1,73,693.96 431 1,07,849.89 99 15,424.97 - - - - 2,96,968.82 12% to 15% 8 872.52 - - - - - - - - 872.52 Quarterly Up to 9% 2 500.00 4 1,000.00 2 500.00 - - - - 2,000.00 9% to 12% 60 38,258.15 48 30,575.51 19 13,645.04 - - - - 82,478.70 12% to 15% - - - - - - - - - - - Semi-annually Up to 9% - - - - - - - - - - - 9% to 12% 6 9,033.74 7 11,784.34 2 3,677.50 - - - - 24,495.58 12% to 15% - - - - - - - - - - - On demand Variable rates - 10.60 - - - - - - - - 10.60 Monthly (*) 9% to 12% 2 935.18 - - - - - - - - 935.18 Total 2,24,804.14 1,51,543.09 33,247.51 - - 4,09,594.74 (*) Represents securitised liability from banks. Notes: 1. All the above repayments disclosed as per the contractual maturities of debt securities, borrowings (other than debt securities) and subordinate liabilities at gross carrying value. 2. There have been no defaults in repayment of any instalments of term loan, debt securities and subordinate liabilities taken from banks and others. 3. The company’s term loans were applied for the purpose for which the loans were obtained, other than ₹40,974.25 lakhs (March 31, 2025: nil) which remain unutilised as at March 31, 2026 because the funds were received towards the end of the year. The Company has temporarily maintained such unutilised balance in cash and cash equivalents and mutual funds as at March 31, 2026.
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