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The book, delinquency, collections and origination quality, filtered as you need.
AUM and disbursements over 12 months; Oct 2026 is month to date.
₹ Cr, month end
Synthetic data · as of 12 Oct 2026
₹ Cr, monthly
Synthetic data · as of 12 Oct 2026
AUM, ₹ Cr, month end
Synthetic data · as of 12 Oct 2026
Loans by days past due. PAR 30 is 31+ DPD and GNPA is 90+ DPD, by value. The roll rate is the share moving to a worse bucket in a month; a vintage is the loans disbursed in one quarter.
% of AUM, month end
Synthetic data · as of 12 Oct 2026
% of loans in each bucket at the start of the month, by count
| From ↓ to → | Current | 1–30 | 31–60 | 61–90 | 90+ |
|---|---|---|---|---|---|
| Current | 96.5% | 3.5% | 0.0% | 0.0% | 0.0% |
| 1–30 | 50.1% | 20.3% | 29.7% | 0.0% | 0.0% |
| 31–60 | 22.8% | 0.0% | 27.9% | 49.3% | 0.0% |
| 61–90 | 10.4% | 0.0% | 0.0% | 23.0% | 66.6% |
| 90+ | 2.8% | 0.0% | 0.0% | 0.0% | 97.2% |
Synthetic data · as of 12 Oct 2026
Jul 2026 to Sep 2026
| From ↓ to → | Current | 1–30 | 31–60 | 61–90 | 90+ |
|---|---|---|---|---|---|
| Current | 96.8% | 3.2% | 0.0% | 0.0% | 0.0% |
| 1–30 | 49.9% | 22.1% | 28.0% | 0.0% | 0.0% |
| 31–60 | 22.8% | 0.0% | 30.3% | 46.9% | 0.0% |
| 61–90 | 10.4% | 0.0% | 0.0% | 25.3% | 64.3% |
| 90+ | 2.8% | 0.0% | 0.0% | 0.0% | 97.2% |
Synthetic data · as of 12 Oct 2026
30+ DPD, % of amount disbursed, by months on book
Synthetic data · as of 12 Oct 2026
Collection efficiency against plan, and the branches at either end of the league.
% of the month's demand collected
Synthetic data · as of 12 Oct 2026
| 320 | JodaBR-254 | Keonjhar | 91.5%−4.3 pp, worse | 25.7% | ₹40.37 Cr |
| 319 | RourkelaBR-256 | Sundargarh | 93.4%−3.0 pp, worse | 19.5% | ₹140.68 Cr |
| 318 | BarbilBR-255 | Keonjhar | 94.0%−2.8 pp, worse | 18.2% | ₹81.91 Cr |
| 317 | ChhatrapurBR-264 | Ganjam | 94.8%−1.6 pp, worse | 14.0% | ₹67.11 Cr |
| 316 | KeonjharBR-253 | Keonjhar | 94.9%−2.1 pp, worse | 15.0% | ₹120.12 Cr |
| 315 | Sambalpur IIBR-266 | Sambalpur | 95.2%−1.0 pp, worse | 14.6% | ₹26.21 Cr |
| 314 | SundargarhBR-257 | Sundargarh | 95.2%−1.9 pp, worse | 14.5% | ₹121.44 Cr |
| 313 | GayaBR-135 | Gaya | 95.4%−1.3 pp, worse | 14.3% | ₹40.11 Cr |
| 312 | Dibrugarh IIBR-147 | Dibrugarh | 95.5%−0.9 pp, worse | 13.4% | ₹14.48 Cr |
| 311 | KoidaBR-258 | Sundargarh | 95.5%−1.0 pp, worse | 12.9% | ₹168.75 Cr |
| 1 | Ranchi IIIBR-194 | Ranchi | 99.1%−0.2 pp, worse | 3.3% | ₹3.1 Cr |
| 2 | BarrackporeBR-205 | North 24 Parganas | 99.0%−0.2 pp, worse | 3.7% | ₹29.18 Cr |
| 3 | DharamshalaBR-019 | Kangra | 98.9%−0.2 pp, worse | 3.9% | ₹15.76 Cr |
| 4 | VelloreBR-317 | Vellore | 98.8%−0.2 pp, worse | 4.0% | ₹56.59 Cr |
| 5 | ThrissurBR-274 | Thrissur | 98.8%−0.2 pp, worse | 4.2% | ₹52.13 Cr |
| 6 | MysuruBR-218 | Mysuru | 98.7%−0.2 pp, worse | 4.2% | ₹59.44 Cr |
| 7 | PutturBR-229 | Dakshina Kannada | 98.7%−0.3 pp, worse | 4.6% | ₹121.54 Cr |
| 8 | Mysuru IIIBR-220 | Mysuru | 98.6%−0.2 pp, worse | 4.7% | ₹32.39 Cr |
| 9 | TambaramBR-299 | Chennai | 98.6%−0.2 pp, worse | 4.7% | ₹215.31 Cr |
| 10 | Udaipur IIBR-030 | Udaipur | 98.6%−0.3 pp, worse | 4.7% | ₹84.52 Cr |
First-EMI default rate by dealer for loans sourced from Jun 2026 to Aug 2026; network average 2.1%. Dealers with 20 or more loans. Open a dealer to see its cases.
| 1 | Sai Krishna MotorsDLR-0457 | Warangal | 61 | 14 | 23.0% | 10.9× |
| 2 | Balaji Pre-owned TrucksDLR-0094 | Dewas | 50 | 3 | 6.0% | 2.9× |
| 3 | Unity Pre-owned TrucksDLR-1080 | Solapur II | 50 | 3 | 6.0% | 2.9× |
| 4 | Shree Ganesh Truck BazaarDLR-0561 | Bhagalpur II | 52 | 3 | 5.8% | 2.7× |
| 5 | Hanuman Pre-owned TrucksDLR-0722 | Ambajogai | 55 | 3 | 5.5% | 2.6× |
| 6 | Sahyadri Pre-owned TrucksDLR-0806 | Rourkela | 37 | 2 | 5.4% | 2.6× |
| 7 | Murugan Pre-owned TrucksDLR-0751 | Ambajogai | 56 | 3 | 5.4% | 2.6× |
| 8 | Jai Hind Pre-owned TrucksDLR-0986 | Sikar II | 56 | 3 | 5.4% | 2.6× |
| 9 | Coromandel Used VehiclesDLR-0785 | Kanpur | 58 | 3 | 5.2% | 2.5× |
| 10 | Navratna Motor Finance PointDLR-0937 | Bhiwandi | 58 | 3 | 5.2% | 2.5× |
PAR 30 by state and segment, Sep 2026. Blank where a state has no loans in the segment.
% of AUM
| State | M&HCV | LCV | SCV | Used CV | Tractors | CE | 2W | 3W | Cars |
|---|---|---|---|---|---|---|---|---|---|
| Punjab | 5.1% | 5.1% | 6.9% | 8.9% | 6.5% | 4.5% | 8.8% | 6.8% | 4.0% |
| Himachal Pradesh | 4.8% | 4.3% | 4.7% | 6.4% | 5.0% | — | 7.0% | — | 4.0% |
| Rajasthan | 6.2% | 6.2% | 6.6% | 8.3% | 7.3% | 8.0% | 8.5% | 7.8% | 4.2% |
| Haryana | 4.9% | 5.2% | 7.1% | 6.9% | 7.5% | 6.6% | 6.8% | 6.8% | 3.6% |
| Delhi | 7.4% | 6.2% | 6.4% | 7.5% | 6.5% | — | 8.0% | 7.4% | 4.7% |
| Uttarakhand | 5.0% | 4.7% | 5.9% | 7.1% | 8.5% | — | 6.8% | 7.9% | — |
| Gujarat | 5.4% | 4.6% | 6.0% | 7.4% | 5.4% | 6.7% | 7.0% | 7.2% | 3.3% |
| Madhya Pradesh | 7.8% | 6.0% | 7.4% | 9.6% | 9.2% | 6.8% | 8.1% | 8.7% | 4.3% |
| Uttar Pradesh | 7.0% | 6.3% | 7.3% | 10.5% | 8.2% | 6.6% | 10.2% | 8.8% | 4.4% |
| Bihar | 7.2% | 9.8% | 9.5% | 11.5% | 9.6% | 8.6% | 10.4% | 10.5% | 5.2% |
| Assam | 5.3% | 6.0% | 8.1% | 13.4% | 10.1% | 10.2% | 9.6% | 11.4% | — |
| Maharashtra | 7.1% | 7.1% | 7.8% | 10.3% | 11.9% | 8.0% | 10.5% | 9.5% | 4.9% |
| Chhattisgarh | 6.6% | 5.7% | 10.1% | 5.9% | 8.3% | 8.7% | 8.4% | 7.5% | — |
| Jharkhand | 8.2% | 7.8% | 7.6% | 9.2% | 9.2% | — | 11.5% | — | 5.4% |
| West Bengal | 7.4% | 6.7% | 6.8% | 10.4% | 7.7% | 7.6% | 10.3% | 8.0% | 4.4% |
| Karnataka | 4.9% | 5.0% | 6.9% | 8.7% | 6.6% | — | 7.6% | 6.6% | 3.5% |
| Telangana | 7.2% | 6.8% | 7.2% | 9.8% | 8.5% | 5.6% | 9.0% | 9.3% | 4.4% |
| Odisha | 15.0% | 9.4% | 10.1% | 13.7% | 12.1% | 9.5% | 13.8% | 11.9% | 6.5% |
| Kerala | 6.2% | 6.4% | 4.1% | 6.4% | 5.7% | — | 7.0% | 7.7% | 3.5% |
| Andhra Pradesh | 6.1% | 6.7% | 7.8% | 8.8% | 8.1% | 8.8% | 8.6% | 8.4% | 3.8% |
| Tamil Nadu | 5.2% | 5.0% | 5.5% | 7.9% | 7.3% | 5.7% | 7.3% | 7.4% | 3.5% |
Synthetic data · as of 12 Oct 2026
Whether the early-warning system flagged loans before they rolled into 30+ DPD, and how its bands have performed since.
Flagged beforehand
80%
Median warning
41 days
Loans a month
Synthetic data · as of 12 Oct 2026
% now 30+ DPD, by band on that day
Synthetic data · as of 12 Oct 2026
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