Loans

The growth in microfinance loan securities inclined over two-fold YoY in Q1FY23

Security of loans which was granted by microfinance entities (MFIs) more than two years to Rs 3,500 crore in the June 2022 quarter of the current financial year, as investors built confidence on better recoveries and credit enhancements. According to rating agency, the security or sale of existing micro-finance loans by issuing pass-through certificates (PTC) and direct assignment (DA) stood at Rs 1,490 crore in Q1FY22. This review covers transactions by non-banking finance companies working as microfinance institutions (MFIs).There was a healthy bounce back during the second half of FY2022 and the trend has continued in Q1FY23.However, security volumes doubled to Rs 14,580 crore in FY22, though on a lower base. They are still at about half the volumes seen in FY19 and FY20. That said, almost 57 % of the year’s volumes came in Q4FY22, the rating agency said.

Investor confidence improved when it was clear that the impact of the second wave on the asset quality of originators was not carried over to the third wave. Security remains a key funding tool for NBFC-MFIs, with its share in the funding mix rising to 27% in Q4FY22. However, this is still less than pre-pandemic levels.

Assistant Vice President and Sector Head, ICRA, “with each Covid wave, NBFC-MFIs have been better equipped to handle collections, supporting meaningful reductions from the peak delinquencies.”

NBFC-MFIs have also involving in matters of stronger borrowers post pandemic and have tightened focus on collections as disbursements for FY21 and Fy22 continued to be lower, which can be corroborated by the performance of pools rated post March 2021.

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