Portfolio
Buckets & ageing analytics
DPD bucket balances, roll-forward/back rates and recovery performance across Fibe's book.
Portfolio outstanding
₹834.3 Cr
12,698 active accounts
90+ DPD balance
₹22.9 Cr
↓ 0.6 pts roll-back
Blended roll-forward
17.2%
↓ 1.1 pts vs last month
Write-off rate
1.1%
Of total book, trailing 6m
Bucket movement
Outstanding balance by bucket over 6 months · ₹ Cr
Recovery rate by bucket
% of overdue amount recovered within 30 days · trailing 6 months
Bucket summary
Balance, accounts and next-bucket roll rate
| Bucket | Balance | Accounts | Roll rate |
|---|---|---|---|
| Current (0 DPD) | ₹612.4 Cr | 9,820 | 4.2% → 1-30 |
| 1-30 | ₹96.8 Cr | 1,284 | 31.6% → 31-60 |
| 31-60 | ₹58.2 Cr | 742 | 24.8% → 61-90 |
| 61-90 | ₹34.6 Cr | 418 | 19.4% → 90+ |
| 90+ | ₹22.9 Cr | 296 | 6.1% → written-off |
| Written-off | ₹9.4 Cr | 138 | N/A |
Flow / roll-rate matrix
Where accounts in each bucket moved last month
| From \ To | Current | 1-30 | 31-60/60-90 | 90+ | Write-off |
|---|---|---|---|---|---|
| Current | 95.8% | 4.2% | - | - | - |
| 1-30 | 62.1% | 6.3% | 31.6% | - | - |
| 31-60 | 48.4% | - | 26.8% | 24.8% | - |
| 61-90 | 31.2% | - | - | 49.4% | 19.4% |
| 90+ | 12.6% | - | - | 81.3% | 6.1% |
Product-wise ageing
Outstanding by product and bucket
| Product | Current | 1-30 | 31-60 | 90+ |
|---|---|---|---|---|
| Personal loan | ₹410.2 Cr | ₹58.4 Cr | ₹34.1 Cr | ₹28.6 Cr |
| EMI cash loan | ₹98.6 Cr | ₹18.2 Cr | ₹9.8 Cr | ₹6.4 Cr |
| Fibe Axis card | ₹64.3 Cr | ₹12.1 Cr | ₹7.6 Cr | ₹5.1 Cr |
| Education finance | ₹31.8 Cr | ₹5.4 Cr | ₹3.2 Cr | ₹2.4 Cr |
| Healthcare finance | ₹7.5 Cr | ₹2.7 Cr | ₹3.5 Cr | ₹4.2 Cr |