Analysis of Portfolio and Risk Assessment for Svamaan Financial Services

The aim of the company is “To be a customer centric and integrated financial services provider
creating a positive impact on lives and livelihoods of our customers” and “serve the financially
excluded households and enterprises in the most viable and sustainable manner”

1. Portfolio Overview:
Total Portfolio Value:

 Total Outstanding Amount: $170,000

Distribution by State:

 Karnataka: $49,000
 Maharashtra: $35,000
 Tamil Nadu: $31,000
 Andhra Pradesh: $29,000
 Telangana: $16,000
 Kerala: $10,000

Non-Performing Assets (NPA) Ratio:

 Total NPA Amount: $28,500

 NPA Ratio: 15.56%

2. Bucket Movements Analysis:

Movement Analysis:

 Explanation of Bucket Categories:

 0-30 Days: Current
 31-60 Days: 1 Month
 61-90 Days: 2 Months
 91-120 Days: 3 Months
 Greater Than 120 Days: 4+ Months

Trends and Patterns: The bulk of the portfolio is included in the 0–30 day range.
• Notable shift in buckets from 0 to 30 days to 31 to 60 days and 61 to 90 days.
• Moderately steady movement in buckets of 91–120 days and longer than 120 days.

3. Quality of Portfolio Assessment:

Customer-wise DPD Analysis:

DPD is an acronym for "Days Past Due." It indicates the total number of days that a payment is
past late.
The days from the payment's due date to the payment's date of settlement, or the present, are
counted in order to determine DPD. The DPD would be 14 days, for instance, if a payment was
due on January 1st and was paid on January 15th.
Average DPD per Customer:

 Karnataka: 41 days
 Maharashtra: 44 days
 Tamil Nadu: 31 days
 Andhra Pradesh: 37 days
 Telangana: 46 days
 Kerala: 28 days

4. Risk Identification State-wise:

Categorization of Risks: State-specific Risks:

 Karnataka: Moderate NPA Ratio

 Maharashtra: Moderate NPA Ratio
 Tamil Nadu: High NPA Ratio
 Andhra Pradesh: Low NPA Ratio
 Telangana: High NPA Ratio
 Kerala: Low NPA Ratio
Portfolio Health:
 NPA in Telangana and Tamil Nadu are a lot

5. Recommendations:
Risk mitigation strategies include:
• monitor Tamil Nadu
Recommendations for Portfolio Diversification:
• Investigate Your Options in Andhra Pradesh

6. Conclusion:
 Total Portfolio: $183,300
 NPA Ratio: 15.56%