Aditya Birla Capital · Analyst questions, management answers, and the quality of the response where the ledger is available.
ConCallIQ research layer
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Questions audited
12
Answered directly
67%
Numeric claims
0
Consistency
—
Question ledger
Anuj Singla · Bank of America
partialSo if you look at, Anuj, our unsecured and personal consumer loans with ticket size less than INR 50,000, and tenor less than 30 days is only 1% of our total loan growth. ... we have been monitoring this portfolio very closely ... we are tightening the scorecards.
Anuj Singla · Bank of America
evasiveNo, I think the cross-sell, almost 40% plus of the new personal loans come through these consumer loans. ... we are not seeing any deterioration in terms of... we are calibrating... our portfolio looks quite stable.
Anuj Singla · Bank of America
directSo, Anuj, we raised INR 3,000 crore of capital, if you recollect, during the month of June, which, at a franchise level, we are confident that it will suffice us for two years, which is closure of FY 2025.
Abhijit Tibrewal · Motilal Oswal
partialA total of INR 19,200 crore, which is our personal consumer. The consumer, which is around INR 4,200 crore odd, which is 22% of our retail and consumer business. That's where the digital partnership really plays out.
Abhijit Tibrewal · Motilal Oswal
directIn terms of we review these portfolios on a regular basis, on a weekly basis. ... whichever cohort, partnerships or segments which are not looking good, we close it and tighten it then and there. ... we would have taken a call, maybe 12 months back or 15 months back with few of the partners.
Parag Thakkar · ANVIL WEALTH
partialIf you look at our cost of funds went up by 14 basis points, though our yields improved for the quarter, but because of the cost of funds went up, that is the reason why the margins slightly... we are quite confident that with the change in the product mix, we will be back and to the normal margins.
Parag Thakkar · ANVIL WEALTH
directI mentioned earlier, I think we are tracking the leverage. ... 12% of our customers over the last nine months, we have seen that they have taken their leverage has gone up by 1.5x. ... the first indicator is the bounce rate. And our bounce rate is still improving, and it's quite stable.
Speaker 15 · Carnelian Capital
partialSo if you look at the developer finance, INR 4,200 crore, which went to INR 5,300-INR 5,400 crore, yes, growth of INR 1,000-odd crore in that portfolio. ... majority of our exposure ... is to Category A developers ... very stable, very well-performing portfolio. ... growth drivers will remain retail and SME.
Bhaskar Basu · Jefferies
directPrior quarter, INR 490 crore. So prior quarter was INR 490 crore, and this quarter is INR 369 crore.
Bhaskar Basu · Jefferies
evasiveBhaskar, we mentioned this. Most of the fintech origination comes in the consumer segment, where we acquire customers, which is small-ticket customers in the consumer segment.
Nischint Chawathe · Kotak Institutional Equities
directSo like you rightly said, I think the rates that we were having in quarter one was 11.56% in the IR, which has now plateaued to about 11.3%. ... I think we should be more broadly stabilized here. Yes, market is very competitive.
Nischint Chawathe · Kotak Institutional Equities
directThe expansion is essentially on account of maintaining our traditional book mix. We've seen some uptake on the business that we are doing on the protection side, but also because still we continue to reap the benefits of higher productivity ... we maintained our guidance for end of year to be safe. Last year we were at 23%, and we will be around that range, 23%-24% margins even by the end of this year.
