Kartik Shinas · Unifi Mutual Fund
partialPercentage of loan book from FY26 disbursements
Do you have that number? So not be readily available, Karthik. But generally if I give a good guesstimate, it will be sometimes about 70%.
ARMANFINANCIAL / Q3-FY26 / claim-ledger
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Arman Financial Services · Analyst questions, management answers, and the quality of the response where the ledger is available.
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Kartik Shinas · Unifi Mutual Fund
directDifference in collection efficiency calculation vs peers
there are two kinds of collection efficiencies which are reported. So one is typically called a zero bucket collection efficiency... the number that you are most likely seeing is the X bucket or the zero bucket collection efficiency for which ours is about 99.3%.
Kartik Shinas · Unifi Mutual Fund
evasiveKey changes to ECL model assumptions
In the ECL model you are saying yeah right in your assumptions the all we can do is provide more management overlay.
Kartik Shinas · Unifi Mutual Fund
directWill PCR come down due to CGFMU cover?
Yes, you're right because you paying for the default guarantee cover and you're covered for every 100 rupee... The default guarantee cover applies to about 75% of it.
Kartik Shinas · Unifi Mutual Fund
directGrowth strategy given lender caps and high rejection
the future is in product innovation and better underwriting. If we are able to assess the customer better we don't need them in a group we can service them individually.
RDRA Kraija · I thought Financial Consulting
partialComfortable growth rate for FY27
I would say in FI27 roughly speaking I would be comfortable growing maybe 25% just throwing a figure in the air.
RDRA Kraija · I thought Financial Consulting
directWill non-MFI book grow faster than MFI?
I would say that non-JLG will grow much much faster whether that is in the subsidiary Namra or in the standalone Arman through MSME LAP and two wheeler loans.
RDRA Kraija · I thought Financial Consulting
directPeak debt-to-equity before raising equity
We are usually comfortable at about 4 and a half times which we are quite a distance from right now we our debt equity is less than two in fact less than one and a half.
Ron Cha · Orga Capital Advisor LLP
partialProgress on LAP product pilots and scaling plans
the LAP is doing reasonably well... we are on schedule for whatever we had envisaged... we are looking at scaling it up in all these geographies where we're comfortable.
Ron Cha · Orga Capital Advisor LLP
directCredit demand and competition in MFI post-crisis
definitely there are lot fewer players serving the same customers... their overall presence in the markets that we are servicing is significantly lower.
Tinme Neymar · Preston Capital Investments
directReason for sharp decline in 30-90 day PAR
the reduction is largely replacing bad customers with good customers. That's number one. That's probably 80% of the reason. The 20% is probably slightly better macroeconomics and better collection team.
Serves Gupta · Maximal Company
partialReason for OPEX increase and future ratio guidance
OPEX has definitely increased... we added the whole BCM structure which is expensive... we have a big recovery team... CGFMU we have paid 7 this year.