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NBFC Business Performance Review | April–December 2025 | 8-Slide Condensed Deck 🎯 Objective: Present a concise, board-ready summary covering Gold Loan, Unsecured Loan, Resources, and Insurance with focus on trends, insights, and January action points. **Slide Outline:** 1️⃣ **Cover Slide** - Title: NBFC Business Performance Review - Period: April–December 2025 - Company Name placeholder - Clean design with subtle NBFC/finance icon, Grey–Beige–Light Blue palette 2️⃣ **Executive Summary: Key Performance Indicators** - Consolidated YTD highlights for all four products - Key metrics: disbursement, income, and business direction 3️⃣ **Key Insights & Concerns** - Gold Loan: Stable income, sourcing volatility - Unsecured Loan: PL weakness, SBL traction - Resources: Branch-driven resilience - Insurance: Premiums up via health & vehicle segments - Concerns: Weak new sourcing, post-festive slowdown, HO mobilization dip 4️⃣ **Gold Loan & Unsecured Loan Trend (Oct–Dec 2025)** - GL: Pledge Count 1,155→889→838 | Income ₹20.97L→₹28.59L - UL: PL Disb. ₹19.21L→₹3.39L→₹11.46L | SBL ₹0.50L→₹15.42L→₹0.25L - Key takeaway: Income steady despite sourcing stress 5️⃣ **Resources & Insurance Trend (Oct–Dec 2025)** - Resources: Debenture ₹94.75L→₹94.50L→₹96.80L | Sub-Debt ₹8.05L→₹10.75L→₹22.65L - Insurance: Total premium ₹7.37L→₹8.03L→₹4.86L | Health + Vehicle drive growth 6️⃣ **Variance Drivers (Oct–Dec 2025)** - Internal: Staff redeployment, low lead conversion, incentive skew - External: Competition, gold price fluctuation, liquidity & festive fatigue 7️⃣ **SWOT Analysis** - Strengths: Gold/Vehicle stability, strong branch presence - Weaknesses: PL volatility, life insurance gap - Opportunities: HNI Debentures, Health upsell - Threats: Fintech competition, redemption surge, liquidity tightening 8️⃣ **Way Forward – January 2026 Priorities** - Generate 2–3 new GL/PL leads per staff daily - Convert redemptions to renewals - Build HNI pipeline for Debentures/Sub-Debt - Cross-sell Life & Health Insurance **Design Notes:** Canva-ready layout, boardroom tone, charts/tables for trends, clear spacing, and consistent typography.
Condensed 8-slide deck reviews Gold Loan stability, Unsecured volatility, Resources resilience, and Insurance growth (Apr-Dec 2025). Highlights trends, concerns, SWOT, and Jan 2026 priorities like lea
This title slide presents the "NBFC Business Performance Review" for the period April–December 2025. It features the main title alongside the subtitle "[Company Name]".
[Company Name]
Source: NBFC Performance Deck
Year-to-date disbursements exceed ₹150Cr across all products, with YTD income reaching ₹85Cr boosted by strong Gold Loan performance. The company achieved 12% YoY income growth from insurance premiums and a 15% rise in resources mobilization via debentures and sub-debt.
Consolidated across all products
Strong Gold Loan contribution
Driven by Insurance premiums
Debenture and Sub-Debt trends Source: NBFC Business Performance Review | April–December 2025
The slide highlights key insights across business segments: Gold Loans provide stable income despite sourcing issues, Unsecured Loans are bolstered by SBL despite PL weakness, Resources show strong branch resilience, and Insurance sees rising premiums from Health & Vehicle. Concerns include weak sourcing, overall slowdown, and a dip in HO mobilization.
Source: NBFC Business Performance Review | April–December 2025
Gold Loan Pledge Count declined from 1,155 in Oct 2025 to 838 in Dec 2025, while GL Income rose from ₹20.97L to ₹28.59L in Nov before N/A in Dec. Unsecured Loan disbursements fluctuated (₹19.21L to ₹3.39L to ₹11.46L), with SBL varying sharply, and the key takeaway is steady income despite stress.
| Metric | Oct 2025 | Nov 2025 | Dec 2025 |
|---|---|---|---|
| GL Pledge Count | 1,155 | 889 | 838 |
| GL Income (₹L) | 20.97 | 28.59 | N/A |
| UL PL Disb. (₹L) | 19.21 | 3.39 | 11.46 |
| UL SBL (₹L) | 0.50 | 15.42 | 0.25 |
| Takeaway | Income steady despite stress |
Source: NBFC Business Performance Review | April–December 2025
The slide tracks Resources & Insurance Trends from Oct–Dec 2025, showing Debenture stable then rising slightly to ₹96.80L, Sub-Debt surging strongly to ₹22.65L, and Total Premium peaking before declining to ₹4.86L. Health+Vehicle remains a consistent Growth Driver and Key Upsell across all months.
| Category | Oct 2025 | Nov 2025 | Dec 2025 | Trend |
|---|---|---|---|---|
| Debenture | ₹94.75L | ₹94.50L | ₹96.80L | Stable→Up |
| Sub-Debt | ₹8.05L | ₹10.75L | ₹22.65L | Strong Growth |
| Total Premium | ₹7.37L | ₹8.03L | ₹4.86L | Peak→Decline |
| Health+Vehicle | Growth Driver | Growth Driver | Growth Driver | Key Upsell |
Source: NBFC Business Performance Review | April–December 2025
The slide "Variance Drivers (Oct–Dec 2025)" outlines internal factors like staff redeployment disrupting operations, low lead conversion, and misaligned incentives that contributed to a post-festive performance dip. External drivers include intensified competition eroding market share, gold price fluctuations, liquidity constraints, and festive fatigue slowing customer engagement.
| Internal Drivers | External Drivers |
|---|---|
| Staff redeployment disrupted operations; low lead conversion hampered new sourcing; incentive skew misaligned sales focus, contributing to post-festive performance dip. | Intensified competition eroded market share; gold price fluctuations deterred pledges; liquidity constraints limited disbursements; festive fatigue slowed customer engagement. |
Source: NBFC Business Performance Review | April–December 2025
The SWOT Analysis slide highlights strengths like gold & vehicle stability and strong branch presence, alongside weaknesses such as PL volatility and life insurance gaps. It also identifies opportunities in HNI debentures and health upsell potential.
Source: NBFC Business Performance Review | April–December 2025
The slide outlines key priorities for January 2026, focusing on generating 2–3 new GL/PL leads per staff daily and converting redemptions into renewals to improve retention. It also emphasizes building an HNI pipeline for Debentures and Sub-Debt while cross-selling Life and Health Insurance products.
Source: NBFC Business Performance Review | April–December 2025
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