March 31, 2026

March 31, 2025

Current

Term loans from banks (Refer note (a) – (i), (ii), (iii), (v) & (vi))

3,021

2,628

Other working capital facilities (Refer note (b) below)

4,637

3,122

Other short-term borrowings (Refer note (d) below)

3,000

-

Supplier Finance arrangements (Refer note (c) below)

4,106

Borrowings from others (Refer note (a) – (iv), (vii), (viii) & (ix))

1,399

15,399

11,255

Non-current

Term loans from banks (Refer note (a) – (i), (ii), (iii), (v) & (vi))

15,175

Borrowings from others (Refer note (a) – (iv), (vii), (viii) & (ix))

8,769

13,050

23,205

Amount Outstanding

S.NO

Type

March 31, 2026

March 31, 2025

Security

(i)

Loans from banks

13,860

14,952

primarily secured by way of a pari-passu charge on the project Receivables and charge on movable fixed assets disbursed for the Specific DC Project and second charge on unencumbered current assets of the Group

(ii)

Loans from banks

primarily secured by exclusive charge on movable fixed assets funded out of the Term Loan

(iii)

of loan balance in (ii) above

primarily secured by exclusive charge on identifiable movable fixed assets with Second pari-passu charge on entire current assets of the Borrower.

(iv)

Loan from NBFC

5,752

4,062

primarily secured by way of a pari-passu charge on the project Receivables and charge on movable fixed assets disbursed for the Specific DC Project and second charge on unencumbered current assets of the Group, repayable over a period of 22 to 56 months on equated monthly / quarterly instalments.

v) During the FY 2020-21, the Group has entered into External Commercial Borrowing (ECB) facility agreement for US$ 5 Million and drawn down US$ 5 Million out of sanctioned loan during FY 2020-2021 and repaid US$ 0.5 Million in FY 2021-2022, US$ 1 Million in FY 2022-2023, US$ 1 Million in FY 2023-2024 , US$ 1 Million in FY 2024-2025 & US$ 1 Million in FY 2025-2026. The Group has also entered into agreement for currency swap (from USD to ₹) to fully hedge foreign currency exposure towards principal repayment and interest rate swap from floating to fixed in order to hedge the foreign currency exposure.

vi)The above loans bear interest rate ranging from 7.25% to 10.50% (March 31, 2025 7.25% to 10.50%) and repayable over a period of 12 to 60 months on equated monthly / quarterly instalments.

(vii)

Non-Convertible Debentures

primarily secured by way of pari-passu charge on the project Receivables and charge on movable fixed assets. The Loan is repayable in ten equal installments starting from FY 2030-2031 till FY 2039-2040.

(viii)

Loan from NBFC

1,247

1,627

Unsecured

Total [(i)+(ii)+(iv)+(vii)+(viii)]

26,956

25,992

(ix) The loans mentioned in (viii) bear an interest rate ranging from 0% to 9.56% (March 31, 2025: 0% to 9.56%) and repayable over a period of 24 to 60 months on equated monthly / quarterly instalments.