Microfinance Stress Zooms in FY- 2025

• Delinquent Loans (PAR 31+ Days):
  📈 ₹43,075 crore – up 163% from ₹16,379 crore in FY2024.

• Gross Loan Portfolio (GLP):
  📉 Declined 13.9% to ₹3.81 lakh crore, from ₹4.43 lakh crore in FY2024.

• PAR 31–180 Days:
  ⬆️ Rose to 6.2% (from 2.1%).

• PAR >180 Days:
  ⬆️ Increased to 5.1% (from 1.6%).

• 90+ Days Past Due (DPD):
  ⬆️ More than doubled to 6.0%, from 2.4% a year earlier.

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🔹 Disbursements & Lending Trends

• Q4 FY2025 Disbursements:
  ₹71,500 crore → +12.2% QoQ, but −38% YoY.

• Q4 FY2025 GLP Movement:
  ⬇️ Decreased 2.6% QoQ.

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🔹 Key Insights

• Banks & Small Finance Banks showed higher delinquency stress than NBFC-MFIs.

• Rise in defaults attributed to over-leveraged borrowers and multiple borrowing.

• High-ticket loans (>₹1 lakh) are seeing rising stress, though overall less risky than small-ticket loans.