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Total deposits for the quarter ended December 31, 2024, reached ₹34,496 crore, reflecting a year-on-year increase of 16%. The CASA ratio improved to ₹8,657 crore, a 15% rise compared to the same period last year, while the credit-deposit ratio stands at 88%, down from 94%.
The gross loan book increased by 10% to ₹30,466 crore, with affordable housing loans seeing significant growth of 45% year-over-year, reaching ₹6,393 crore. Micro group loans decreased by 12% to ₹13,663 crore, while individual loans rose by 15% to ₹4,953 crore. Overall disbursements totaled ₹5,360 crore, marking a 6% decrease, with micro group loans declining by 38%. However, MSME loans surged 214% to ₹332 crore.
Asset quality showed slight concern, with GNPA rising to 2.7%, up from 2.1% a year prior. The collection efficiency remained strong at 96%, indicating effective recovery strategies despite the pressures on certain segments. Investors should monitor these trends closely, as shifts in asset quality and disbursement strategies could impact future performance.