neutral
medium
✓ Verified against BSE filing
Indian management teams deliver on roughly 12% of specific earnings-call promises. A low score does not indicate dishonesty — it reflects how aspirational forward guidance typically is.
Q3 FY26
NIM to remain in 2.45%-2.50% range
Management expects net interest margin to stabilize at 2.45-2.50% even if further repo rate cuts occur, supported by RAM growth and deposit repricing.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY26
Credit growth to sustain at 13%+
Advances growth guidance of 10-11% has been surpassed; management expects to maintain current 13.59% growth momentum in Q4.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY26
Recovery from written-off accounts to continue at INR 2,000+ crore per quarter
Management expects to maintain recovery run-rate of over INR 2,000 crore per quarter from written-off accounts, supported by multiple recovery channels.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1