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Mar-15<br />
Mar-16<br />
Jun-16<br />
Sep-16<br />
Dec-16<br />
Mar-17<br />
Jun-17<br />
Sep-17<br />
Dec-17<br />
Mar-18<br />
Jun-18<br />
Sep-18<br />
Mar-15<br />
Mar-16<br />
Jun-16<br />
Sep-16<br />
Dec-16<br />
Mar-17<br />
Jun-17<br />
Sep-17<br />
Dec-17<br />
Mar-18<br />
Jun-18<br />
Sep-18<br />
Mar-15<br />
Mar-16<br />
Jun-16<br />
Sep-16<br />
Dec-16<br />
Mar-17<br />
Jun-17<br />
Sep-17<br />
Dec-17<br />
Mar-18<br />
Jun-18<br />
Sep-18<br />
Mar-15<br />
Mar-16<br />
Jun-16<br />
Sep-16<br />
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Segment Wise Asset Quality Trends-II<br />
To stabilize around current levels and remain range-bound going<br />
forward<br />
7.0%<br />
6.0%<br />
5.0%<br />
4.0%<br />
3.0%<br />
2.0%<br />
1.0%<br />
0.0%<br />
Exhibit 31: NBFC Gold 90+dpd (lagged) Trends<br />
1.8%<br />
5.0%<br />
4.5%<br />
4.0%<br />
3.5%<br />
3.0%<br />
2.5%<br />
2.0%<br />
Delinquencies to increase as refinancing to the segment is<br />
witnessing slowdown<br />
Exhibit 32: NBFC-LAP+SME-90+dpd Trends<br />
4.4%<br />
Trend expected to reverse partially in the near- term<br />
Asset quality remain high and range-bound<br />
20.0%<br />
15.0%<br />
10.0%<br />
5.0%<br />
Exhibit 33: NBFC Tractor- 90+dpd Trends<br />
8.9%<br />
7.5%<br />
7.0%<br />
6.5%<br />
6.0%<br />
5.5%<br />
Exhibit 34: NBFC 2W-90+ dpd Trends<br />
6.0%<br />
0.0%<br />
5.0%<br />
Source: ICRA Sample of select NBFCs and ICRA research<br />
23
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