Highlights:

. The company has continued to maintained healthy loan growth 29%, while its asset under management crossed Rs 5000 crore mark to reach Rs 5293 crore end March 2019. The company expects to maintain loan growth of 20-25%, going forward. The loan growth can be accelerated to 30% on favourable market conditions.

. The loan growth has been strong across all key segment with micro enterprise loans (MEL) AUM rising 30% to Rs 3341 crore, SME loans 30% to Rs 1336 crore, 2-wheelers 27% to Rs 462 crore, while commercial vehicle loans increased 5% to Rs 1543 crore end March 2019 over March 2018.

. The yield on MEL loan stood at 15.5%, SME 14.7%, two wheelers and commercial vehicles 17% etc. The weighted average yield stood at 15.5%.

. The disbursements stood at Rs 4774 crore in FY2019 up from Rs 3891 crore in FY2018, of which Rs 3200 crore is MEL, Rs 961 crore is SME, Rs 492 crore is two-wheeler and Rs 116 crore to small transport operator.

. The company expects increase in cost of borrowings for FY2020.

. The company has maintained around 39% of its portfolio on assignment basis. The assignment transactions are taking place at 25-30 bps + MCLR.

. The company has CC facility of Rs 2000 crore, of which 35% remain unutilized.

. The company expects RoA of 2.5-3.0%, going forward.

. The GNPA ratio was nearly flat at 1.24% end March 2019, while NNPA ratio has eased to 0.86% end March 2019 from 0.91% end March 2018.

. The company has witnessed decline in employee count to 1450 end March 2019 from 1500 end December 2018.

. The company has network of 78 branches spread across seven states end March 2019.