plans to sell ₹6,932 crore of non-performing and written-off loans to asset reconstruction companies, including ₹3,212 crore of NPAs overdue over 180 days via Swiss challenge method and ₹3,719 crore of written-off loans as of September 30. The portfolio primarily comprises group micro loans, individual micro loans, and agriculture loans from its stressed emerging entrepreneurs vertical, which totals ₹5,860 crore (4.2% of ₹1.4 lakh crore AUM), excluding written-offs. Asset quality challenges * Overall gross NPAs stood at ₹7,020 crore (5% ratio), including ₹910 crore housing, ₹870 crore wholesale, and ₹300 crore retail loans, driving Q2 credit costs to 3.4% from 2% YoY. * Net profit plunged 88% to ₹114 crore from ₹937 crore YoY due to higher provisioning amid 45% unsecured loan exposure. This cleanup aims to reduce balance sheet stress and improve profitability in the microfinance-heavy lender. Source: The Economic Times No Recommendations

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