Risk read-out
Derived analysis
ANALYSIS
- AP - APTIDCO (project loans) carries the highest NPA at 8.54% (was 6.17%).Derived from: DPD bucket cut, % of book
- 3 sub-region(s) saw current-bucket (B0) share slip MoM: Andhra Pradesh, AP - APTIDCO (project loans), Karnataka.Derived from: B0% current vs prior month
Portfolio Risk — DPD Buckets
% of book · B0=Current · B1=1-30DPD · B2=31-60 · B3=61-90 · NPA=90+
RISK
| Region | B0% | B1% | B2% | B3% | NPA% | Book ₹Cr |
|---|---|---|---|---|---|---|
| Andhra Pradesh | 97.79▼0.16pp | 0.90▼0.08pp | 0.54▲0.17pp | 0.38▲0.09pp | 0.39▼0.03pp | 42.82 |
| AP - APTIDCO (project loans) | 83.09▼1.04pp | 3.11▼0.94pp | 2.26▼0.99pp | 3.01▲0.62pp | 8.54▲2.37pp | 16.22 |
| Karnataka | 99.53▼0.02pp | 0.12▼0.14pp | 0.25▲0.12pp | 0.05▲0.05pp | 0.05▼0.01pp | 183.31 |
| Tamil Nadu | 100.00▲0.00pp | 0.00▲0.00pp | 0.00▲0.00pp | 0.00▲0.00pp | 0.00▲0.00pp | 133.76 |
| Telangana | 99.04▲0.05pp | 0.16▼0.05pp | 0.34▼0.22pp | 0.23▲0.07pp | 0.23▲0.15pp | 78.74 |
AUM — Opening / Closing / Attrition
Aug 2026 · ₹ Crores · by sub-region
AUM
Zone bridge · opening → disbursal → attrition → closing (derived from the same rows)
| Region | Opening ₹Cr | Disbursal ₹Cr | Attrition ₹Cr | Closing ₹Cr ▼ | Net growth |
|---|---|---|---|---|---|
| South | 424.34 | 32.98 | 2.47 | 454.85 | ▲7.19% |
| Karnataka | 173.86 | 10.57 | 1.12 | 183.31 | ▲5.44% |
| Tamil Nadu | 119.59 | 14.55 | 0.38 | 133.76 | ▲11.85% |
| Telangana | 75.00 | 4.34 | 0.60 | 78.74 | ▲4.99% |
| AP | 39.71 | 3.40 | 0.29 | 42.82 | ▲7.83% |
| AP - APTIDCO | 16.17 | 0.11 | 0.06 | 16.22 | ▲0.31% |