Executive Dashboard
3-Year Summary · FinSight Capital NBFC · All figures in ₹ Crores unless noted
AUM (Dec 2024)
—
₹ Crores
↑ Growing YoY
Gross NPA %
—
Latest Month
↓ Improving from 2023 peak
Net NPA %
—
Latest Month
Below Gross NPA
Collection Efficiency
—
% of Amount Due
↑ Recovered in 2024
NIM (Annualised)
—
% per annum
Net Interest Margin
Cost-to-Income
—
% (lower is better)
OPEX / NII
PAR-30
—
% of AUM at Risk
DPD ≥ 30 days
PCR (Coverage)
—
Provision Coverage %
↑ Buffer maintained
YoY Disbursement
—
% Growth
↑ Expansion phase
AUM Trend — Monthly (₹ Crores)
Assets Under Management: Active + NPA outstanding book
Portfolio Mix — Product Type
Outstanding AUM by loan product (2024)
GNPA & NNPA Trend (%)
NPA rises 2022→2023, improves post-2023 recovery
Disbursement — MoM Growth (%)
Monthly disbursement growth rate across 3 years
Portfolio & AUM Analysis
Disbursement growth, AUM composition, and DPD bucket breakdown
Monthly Disbursement (₹ Crores)
Total loan disbursements with YoY growth overlay
PAR Trend — 30 / 60 / 90 DPD (%)
Portfolio at Risk across DPD buckets — monthly
DPD Bucket Breakdown (₹ Crores)
Outstanding AUM across DPD buckets — latest month
AUM by Customer Segment (2024)
Retail · MSME · Corporate segment split
AUM by Geography (2024)
Metro · Tier1 · Tier2 · Rural footprint
NPA, Risk Metrics & Provision Coverage
Stressed asset monitoring, PCR adequacy, and CAR compliance
GNPA & NNPA — Full Timeline (%)
Gross / Net NPA ratio trajectory Jan 2022 – Dec 2024
Provision Coverage Ratio (%)
PCR trend — buffer against NPA losses
Capital Adequacy Ratio (CAR) %
CAR vs RBI minimum norm of 15% — monthly
Top 5 Geographies by NPA Contribution
NPA outstanding by geography (₹ Crores) — SQL RANK()
Top 5 Geographies — NPA Detail Table
SQL Q9: Uses RANK() OVER window function to rank geographies by NPA outstanding
| Rank | Geography | NPA Outstanding (₹ Cr) | NPA Loan Count | NPA Contribution % | Risk Bar |
|---|
Collections Performance
Collection efficiency by product, geography, and time — SQL Q3
Collection Efficiency by Product (2024)
% amount collected vs amount due, per product type
Collection Efficiency by Geography (2024)
Metro vs Tier1 vs Tier2 vs Rural collection rates
Overall Collection Efficiency — Monthly Trend
Dips in 2023 (NPA peak), recovers through 2024
P&L Statement & Interest Margins
NII, OPEX, Provisions, PAT, NIM, and Cost-to-Income analysis
NII vs OPEX vs Provisions (₹ Crores)
Monthly income statement components
Net Interest Margin — Annualised (%)
NIM = NII / Average AUM × 12 × 100
Cost-to-Income Ratio (%)
OPEX efficiency — lower = better operating leverage
PAT & Net Margin (%)
Profit after Tax and net margin trend
Cost of Funds — Monthly (%)
Funding cost trend — impacts NIM spread
SQL Query Showcase
9 production-grade SQLite queries powering this dashboard — demonstrates JOIN, CTE, LAG(), CASE WHEN, window functions