RFSL
CFO Dashboards
Richfield Financial Services · BSE 539435
Data as of
4 Jun 2026 · 12 dashboards
⬆ Upload
Live
◐Command⊞Annual⇌3-Year▤Monthly◈Gold☷Loans⚠NPA⌂Branches◉Staff◫Deposits%Pay⚖BEP
← Hub

Gold Loan Portfolio

LTV distribution, branches, scheme mix, RBI ceiling
4,407 / 4,407
Total loans
4,407
Across all schemes
Loan amount
49.23Cr
Principal: ₹49.05 Cr
Avg LTV
High
160.8%
Above RBI ceiling
RBI breaches
Critical
4,306
97.7% of book · LTV ≥ 75%
Scheme profitability: ranked by net yield after NPAs
Gross yield = annual interest revenue ÷ principal. Net yield = (revenue − NPA principal loss) ÷ principal. Schemes near the top generate real returns. Schemes near the bottom bleed money through defaults.
Gross yield vs net yield by scheme
Sorted by net yield (best first)
NPA % vs average interest rate
Are higher-rate schemes riskier?
● LIGHT PLUS (BULLET) KA
● LIGHT PLUS (BULLET)
● LIGHT STAR (BULLET) -1 KA
● LIGHT PLUS (BULLET) -1 KA
● LIGHT PLUS (BULLET) -1
● LIGHT STAR (BULLET) -1
● LIGHT STAR (BULLET)
● RING PLUS (BULLET)
Scheme profitability detail
21 rows
Scheme↓LoansAmount (Cr)Avg RateAvg LTVNPA %Gross Rev (Cr)NPA Loss (Cr)Net Yield
RFSL SPARK 20 (KA)318₹3.7520.0%152.8%15.7%₹0.74₹0.623.4%
RFSL SPARK 20513₹4.9820.0%145.7%20.7%₹0.99₹1.07-1.6%
RFSL SPARK (MONTHLY) KA8₹0.6521.8%139.1%0.0%₹0.14₹0.0021.8%
RFSL SPARK (MONTHLY)3₹0.0422.0%153.1%0.0%₹0.01₹0.0022.0%
RFSL RING PLUS (BULLET)175₹1.3825.0%168.3%0.0%₹0.34₹0.0025.0%
RFSL LIGHT STAR (BULLET) KA5₹0.0523.6%147.3%0.0%₹0.01₹0.0023.6%
RFSL LIGHT STAR (BULLET) -1 KA6₹0.0526.0%150.0%0.0%₹0.01₹0.0026.0%
RFSL LIGHT STAR (BULLET) -111₹0.1026.0%148.2%0.0%₹0.02₹0.0026.0%
RFSL LIGHT STAR (BULLET)21₹0.1425.4%143.3%0.0%₹0.04₹0.0025.4%
RFSL LIGHT PLUS (BULLET) KA23₹0.1427.7%154.8%0.0%₹0.04₹0.0027.7%
RFSL LIGHT PLUS (BULLET) -1 KA22₹0.1426.0%158.2%0.0%₹0.04₹0.0026.0%
RFSL LIGHT PLUS (BULLET) -159₹0.4326.0%152.7%0.0%₹0.11₹0.0026.0%
RFSL LIGHT PLUS (BULLET)125₹0.8627.6%154.3%0.0%₹0.23₹0.0027.6%
RFSL LIGHT (BULLET) (KA)182₹1.7419.5%134.6%0.0%₹0.34₹0.0019.5%
RFSL LIGHT (BULLET)322₹2.1419.6%120.7%0.0%₹0.41₹0.0019.6%
RFSL EXPRESS-1072₹2.7324.1%80.5%58.3%₹0.65₹1.27-22.7%
RFSL BLOOM STAR (KA)88₹0.9421.0%161.6%43.2%₹0.20₹0.43-24.8%
RFSL BLOOM STAR495₹6.1621.0%159.1%34.9%₹1.29₹2.16-14.2%
RFSL BLOOM PLUS (KA)116₹1.1225.7%172.2%56.9%₹0.29₹0.66-33.5%
RFSL BLOOM PLUS1,842₹21.2325.8%176.4%34.3%₹5.46₹6.53-5.0%
Page 1 of 2
Maturity wall: cash inflow forecast
Principal maturing by month
₹ Cr coming back next 12 months
Maturity summary
Status of gold loan book
⚠
Already matured
1% of total
₹0.39 Cr
⏳
Maturing ≤ 3 months
49% of total
₹23.86 Cr
📅
Maturing 3–6 months
50% of total
₹24.33 Cr
📆
Maturing 6–12 months
0% of total
₹0.00 Cr
✅
Beyond 12 months
1% of total
₹0.47 Cr
💡
Why is 97.7% of the gold book above the RBI 75% LTV ceiling?
LTV is calculated as Principal Balance / (Weight × Gold Rate). The loan book data shows an average implied gold rate of approximately ₹5,000–6,000/gm. Current market rate for 24K gold is approximately ₹7,500–8,000/gm. If the system gold rate is outdated, LTV appears artificially inflated. This is a valuation methodology issue, not necessarily a credit risk crisis. The CFO should verify the gold rate used in the core banking system and, if stale, revalue the portfolio to current market rates.
LTV distribution
Loans by LTV band
Count and ₹ Cr per band
RBI ceiling view
% of book at each LTV
Region comparison
KERALA
Loans
3,533
Amount
₹39.24 Cr
NPA %
26.1%
RBI Breach
97.5%
Banglore
Loans
766
Amount
₹8.57 Cr
NPA %
20.1%
RBI Breach
98.8%
TAMIL NADU
Loans
100
Amount
₹1.39 Cr
NPA %
30.0%
RBI Breach
100.0%
Kottayam
Loans
8
Amount
₹0.03 Cr
NPA %
0.0%
RBI Breach
75.0%
Geographic & scheme breakdown
By region
Total loan amount
By scheme
Total loan amount
Risk pricing: LTV vs interest rate
LTV vs interest rate by region
Each dot = one loan. Red zone = high LTV + low rate.
Showing 2,000 of 4,407 loans for clarity
NPA rate by LTV bucket
At what LTV does default spike?
Interest rate & branches
Loans by interest rate
Count per rate band
Top 10 branches by loan amount
RBI breach % in red
Branch-level details
34 rows
Branch↓RegionLoansTotal (Cr)Avg LTVBreachBreach %
UZHAVOORKottayam8₹0.03127.9%675.0%
THIRUVAMBADYKERALA347₹4.27171.5%34599.4%
SOMASUNDARAPALAYABanglore64₹0.70149.0%64100.0%
RAMAMURTHY NAGARBanglore106₹0.97156.4%10599.1%
POONAMALLETAMIL NADU100₹1.39166.6%100100.0%
POOJAPURAKERALA160₹2.06166.9%15295.0%
PONNURUNNIKERALA235₹3.05163.2%23499.6%
PETTA-TRIPUNITHURAKERALA50₹0.54170.5%50100.0%
OLAVAKODEKERALA36₹0.40144.9%3494.4%
OCHIRAKERALA220₹3.17173.7%220100.0%
NILAMBURKERALA203₹1.93155.9%19596.1%
NARIKKUNIKERALA115₹0.92150.4%10994.8%
MUNESHWARA NAGARBanglore76₹1.55161.2%7598.7%
MANNANCHERRYKERALA250₹3.18169.1%24899.2%
LAGGEREBanglore34₹0.19149.3%34100.0%
KUTTIADYKERALA138₹1.31157.0%138100.0%
KUNNAMANGALAMKERALA120₹1.13157.9%11898.3%
KOTTARAKKARAKERALA29₹0.18176.4%29100.0%
KOLLAM-PALLIMUKKUKERALA120₹2.27139.2%10184.2%
KENGERI UPANAGARABanglore120₹1.24154.0%120100.0%
Page 1 of 2