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CUSTOMER LIABILITIES
 6 Months Ended
Sep. 30, 2023
Contract with Customer, Liability [Abstract]  
CUSTOMER LIABILITIES CUSTOMER LIABILITIES
The Group recognizes customer liabilities associated with deposit funds of its brokerage and bank customers. As of September 30, 2023, and March 31, 2023, customer liabilities consisted of:
September 30, 2023
March 31, 2023
AmountInterestAmountInterest
Interest bearing deposits:
Term deposits1,062,614 
0.1% - 16.9%
832,751 
0.1% - 16.9%
Total Interest bearing deposits$1,062,614 $832,751 
Non-interest-bearing deposits:
Current customer accounts430,129 458,954 
Brokerage customers946,444 633,542 
Total non-interest-bearing accounts$1,376,573 $1,092,496 
Total customer liabilities2,439,187 1,925,247 
In accordance with Kazakhstan law requirements, commercial banks conclude agreements with JSC Kazakhstan Deposit Insurance Fund ("KDIF"), under which banks have to pay commissions to KDIF on a recurring basis, the amount of which depends on the term and demand deposits received by banks from the customers. Under the agreement, KDIF insures the term and demand deposits up to $42 to each customer. As at September 30, 2023, and March 31, 2023, respectively, the Group had total amounts in excess of insured bank time deposits of $608,937 and $539,411 for all customers.