The Company has further informed that the main reasons for significant improvement NOCFPS are as follows i) Increase in Net Cash flows from interest receipts and payments and ii) Increase in Net Cash Flows from Loan Disbursement and Deposit/Borrowing Collection during 2018 compare to 2017. The Company also noted that During January 1, 2019 to March 31, 2019, growth in deposits and borrowings was lower than growth in advance, which ultimately affected operating cash flows negatively.