Aptus Value Housing Finance India · Analyst questions, management answers, and the quality of the response where the ledger is available.
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Questions audited
11
Answered directly
82%
Numeric claims
0
Consistency
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Question ledger
Kunacha · City Group
directif you look at the dispersements of this less than seven lakhs in the first uh in Q1 FI25, Q2 FI25 and Q2 FI25, it was around 432 crores and in the first quarter we had done 148 crores. After that we took a decision to stop this less than 7 lakhs.
Kunacha · City Group
directwe believe that this 2.7% may slightly go up to 2.8 date but it might not be substantially very high.
Palacharia · KC Securities
directif you look at the Andhra Pradesh there is a growth of 23%. And uh uh so basically because it is less than seven lakhs loans got uh uh impacted there more and because of that there is an uh there is a uh growth uh slightly coming down there
Palacharia · KC Securities
evasiveI think you are talking about the pie chart which was there in the India in the presentation correct yeah see basically in the earlier presentations what we did was we gave the consolidated uh numbers also based on the end use of loans correct now we have there was some confusion in the numbers
Sesh Kinani · Centrum Broking
directwe have taken some two years from FI24 we started the branches and two years we have been studying the market we we are now confident of growing the book there ... If you look at the loan book in FI25 it is 54 crores. It has gone up to 109 crores
Sesh Kinani · Centrum Broking
directNo actually this is a new concept which we are evolving. ... This pilot is in which region is specific or uh anything chosen right? ... we are trying this in Tamil Nadu and Praise uh I mean it is in a very nasal stage we have just launched it in Jan
Sesh Kinani · Centrum Broking
directSee uh actually speaking uh asset quality trend our housing loan portfolio has been delivering very well in the third quarter there is a slight uptake in the NPA and also slight drop in the collection efficiency in the MSME portfolio.
ana · value partners
directwe have been guiding a credit cost of 0.5% And that we reiterate that that will be maintained. ... going forward also you can factor in 0.5% credit cost in all the the models which you are developing.
Rajie Ma · Yes Security
directthe bounce rate has not I mean uh there was slight increase in the bounce rate as well in the course Q3 and that has not come down but we will have this additional uh efforts for collecting these monies in the MSM segment
Ahmed Ketan · Labimum Capital
directin certain geographies basically in Tamil Nadu I we are seeing a heightened competition uh but in other states we are not seeing that kind of a competition
Anish Dari · Vikaria Change LLP
evasiveif you look at the NTA levels of less than seven lakhs or more than seven lakhs it is not different it is basically the decision I mean at that point in time uh the there were there was some stress in the MFI and also in the uh small lab segment
Chentan Sha · ICAC Securities
directif you look at the I mean last quarter we reported a policy change of uh right of greater than 500 days. Correct. So if you look at that uh decision the the impact on NBFC was more there because most of the assets went into that 500 days bracket in the NBFC.
