As a Base Layer NBFC under RBI's Scale-Based Regulation framework, Grow Money Capital publishes the following disclosures in annual financial statements and on this website. All figures are illustrative for demonstration purposes — replace with audited figures before publishing.
Disclosed quarterly per RBI's Master Direction on Customer Service & Grievance Redressal for NBFCs.
| Quarter | Received | Redressed | Pending | Avg. TAT (days) | Escalations to RBI |
|---|---|---|---|---|---|
| Q4 FY25 | 284 | 271 (95.4%) | 13 | 4.2 days | 2 |
| Q3 FY25 | 302 | 289 (95.7%) | 13 | 4.5 days | 3 |
| Q2 FY25 | 261 | 248 (95.0%) | 13 | 4.8 days | 1 |
| Q1 FY25 | 241 | 230 (95.4%) | 11 | 4.6 days | 2 |
| FY 2024–25 | 1,088 | 1,038 (95.4%) | 13 | 4.5 days | 8 |
| Period | Standard Assets (%) | Sub-standard (%) | Doubtful (%) | Loss (%) | Gross NPA (%) | Net NPA (%) | PCR (%) |
|---|---|---|---|---|---|---|---|
| FY25 | 96.8 | 1.6 | 1.0 | 0.6 | 3.2 | 1.4 | 56.3 |
| FY24 | 96.7 | 1.7 | 1.0 | 0.6 | 3.3 | 1.5 | 54.5 |
| FY23 | 96.5 | 1.8 | 1.1 | 0.6 | 3.5 | 1.6 | 54.3 |
| FY22 | 96.2 | 1.9 | 1.2 | 0.7 | 3.8 | 1.8 | 52.6 |
PCR = Provisioning Coverage Ratio. NPA classification per RBI norms (Sub-standard: 90 days+ overdue; Doubtful: 12+ months in sub-standard).
Required disclosure per Annexure VII of the RBI SBR Master Direction 2023.
| Sector / Product | O/S as of Mar 2025 (₹ Cr) | % of total AUM | GNPA in segment (%) |
|---|---|---|---|
| MSME / Joint Liability Group | 187.2 | 36.0% | 3.8% |
| Loan Against Property | 124.8 | 24.0% | 1.9% |
| Vehicle Financing | 93.6 | 18.0% | 3.2% |
| Corporate Lending (NBFC/SME) | 72.8 | 14.0% | 2.6% |
| Supply Chain Finance | 41.6 | 8.0% | 1.5% |
| Total | 520.0 | 100% | 3.2% |
RBI minimum CRAR for Base Layer NBFCs is 15% (Tier 1 minimum 10%).
| Period | Tier 1 Capital (₹ Cr) | Tier 2 Capital (₹ Cr) | Tier 1 Ratio (%) | Tier 2 Ratio (%) | Total CRAR (%) |
|---|---|---|---|---|---|
| Mar 2025 | 78.5 | 13.8 | 14.9% | 2.6% | 17.5% |
| Mar 2024 | 68.2 | 11.9 | 14.4% | 2.5% | 17.0% |
| Mar 2023 | 60.5 | 10.8 | 14.7% | 2.6% | 18.2% |
| Mar 2022 | 53.4 | 10.0 | 14.9% | 2.8% | 18.6% |
Disclosed per Companies Act §188 read with AS-18 and RBI SBR Master Direction 2023.
| Related Party | Relationship | Nature of Transaction | Amount (₹ Cr) |
|---|---|---|---|
| CashVia Pvt. Ltd. | GMC-backed venture | Equity investment (FY25) | 15.0 |
| CashVia Pvt. Ltd. | GMC-backed venture | Inter-company services receivable | 0.8 |
| Mr. Manoj Kumar Bansal | Director & Chairman | Director remuneration | 0.6 |
| Ms. Neeru Bansal | Director | Director remuneration | 0.4 |
| Mr. Devi Dass Agarwal | Independent Director | Sitting fees & commission | 0.1 |
| Mr. Gurmeet Singh Grewal | Independent Director | Sitting fees & commission | 0.1 |
| Total | — | — | 17.0 |
Single borrower / group exposure limits per RBI prudential norms — Single 25% of Tier 1; Group 40% of Tier 1.
| Concentration metric | Limit (% of Tier 1) | Actual (% of Tier 1) | Headroom |
|---|---|---|---|
| Top single borrower | 25% | 4.2% | 20.8% |
| Top group borrower | 40% | 6.8% | 33.2% |
| Top 10 borrowers (combined) | — | 22.4% | — |
| Top 20 borrowers (combined) | — | 35.6% | — |