| Operational Highlights | FY 15-19 (4 YEARS) | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|
| No. of States | 1 | 1 | 1 | 1 | 1 |
| No. of District | 1 | 1 | 4 | 5 | 5 |
| No. of Villages | 20 | 35 | 180 | 238 | 270 |
| No. of Groups | 30 | 52.5 | 447 | 515 | 570 |
| No. of Branches | 1 | 1 | 1 | 10 | 10 |
| No. of active borrowers | 570 | 32 | 5,653 | 9,791 | 14,051 |
| No. of Total staff | 2 | 2 | 5 | 43 | 47 |
| No. of Branch Managers | 1 | 1 | 1 | 10 | 10 |
| No. of female employees | 1 | 1 | 1 | 5 | 6 |
| No. of credit officers | 1 | 1 | 4 | 33 | 37 |
| Loans disbursed during the year (₹ in Crs) | 0.12 | 13 | 29 | 12 | |
| BC portfolio | 0 | 9 | 9 | 7 | |
| On-book portfolio | 0.12 | 0.04 | 1.1 | 1.3 | |
| Total portfolio | 0.1 | 9.54 | 10.04 | 8.3 | |
| Gross NPA | 0.03 | 0.04 |
Gross NPA @ 90+dpd is 0.38% as on March 31, 2023, and made an appropriate provision for the same. There has been an amount outstanding in the business correspondent portfolio for which regular recovery efforts are being made .
G TRUST has availed Term loans from financial institutions amounting to ₹ 2.05 Crs. and outstanding as on March 31,2023 is ₹ 1.87 Crs. The feedback from lender and business correspondent partners was found to be satisfactory.
G TRUST has registered PAT of ₹ 0.07 Crs. during FY23 as compared to ₹ -0.21 Crs. in FY 22
The liquidity position of G TRUST is adequate to manage the present liabilities of the Trust.
| Particulars | Year 2025 | Year 2026 | Year 2027 | Year 2028 | Year 2029 |
|---|---|---|---|---|---|
| Branches | 20 | 20 | 30 | 40 | 50 |
| Borrowers | 47,700 | 63,450 | 61,650 | 139,050 | 188,550 |
| Loan Disbursement | 168 | 236 | 355 | 511 | 700 |
| Loan Outstanding | 94 | 128 | 187 | 266 | 360 |
| Funding Requirement from Banks/Financial Institutions | 36 | 27 | 51 | 70 | 78 |
| AUM Per Branch | 5 | 6 | 6 | 7 | 7 |
| Avg Loan Size per Borrower | 19,738 | 20,158 | 30,381 | 19,101 | 19,098 |
| Operational Self Sufficiency | 109% | 119% | 114% | 114% | 114% |
G Trust has three-member team, One team head and two staff members. Each branch is audited for three days. So, within a week two branches are getting audited. Presently G Trust has 10 branches and hence every audit cycle for each branch is done within a month. Tele calling is also executed by audit team.
The Trust has a team of internal auditors who undertake compulsory branch and borrower audits on monthly basis. These audits are surprise audits.
The Audit team also analysis the proposed branch area on the basis of survey report and prepare their report and submits the same to Head of Operations and President of the Trust.
The audit report is presented to the Chairperson and the Board. The report and its findings are discussed in the Board Meeting as well as in the Audit Team Meetings. The management takes responsibility to ensure that relevant actions are taken on the Audit findings. Audit reports are also shared with the respective Branches, so that they are aware of their shortcomings and improve them accordingly. Branches are required to maintain an Audit Report Compliance file containing Audit report and the reply given by branch on audit issues highlighted in the report.
The auditors in their subsequent visits to the Branch ensure that the findings are addressed respectively, if the shortcomings are highlighted, the Branch has to give the required explanation. They also ensure regular checks on client awareness and understanding of the key terms and conditions of the products/ services offered / availed.
G-Trust Grading Report Download the pdf
G-Trust Audited Statements 2021 - 22 Download the pdf
G-Trust Audited Statements 2022 - 23 Download the pdf