AXISBANK / Q4-FY26 / claim-ledger

Audit the questions that mattered.

Axis Bank · Analyst questions, management answers, and the quality of the response where the ledger is available.

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WatchQ4-FY26 · 2026-04-15Back to quarter ↗

Questions audited

Answered directly

79%

Numeric claims

Consistency

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Question ledger

What was answered, and how?

Chinten · Autonomous

direct

NIM day count, repo rate pass-through, TD repricing, and corporate growth opportunity.

There is no day count representation... The repo linked book is 61%. So that would have gotten repriced and the full repricing effect would be in the yields for the current quarter... On the same slide we've given you tenner wise breakup on MCLR and other EBLR.

Chinten · Autonomous

direct

Corporate growth at 34% YoY: opportunity and ROA impact.

We monitor all of our businesses on risk adjusted return on capital. There has been no dilution in risk-adjusted return on capital in the current fiscal... 91% of this book is rated A minus and above... We selectively grow and we are not chasing growth here.

Rkin Sha · IFL Capital

direct

When will NIM reach 3.8% through-cycle guidance?

We have not shifted away from our stands that we expect to deliver 3.8% through the cycle... we've said we will get to through cycle 380 15 to 18 months from transmission of last rate cut.

Rkin Sha · IFL Capital

partial

Net technical slippages near zero: loan yield uplift and recoveries?

Gross slippages are down to 1240 crores. Net slippages were 1861 crores. They're down to 218 crores. In percentage terms, the net slippage is now 0.07%... We continue to believe that there should not be an economic loss on this portfolio.

Rkin Sha · IFL Capital

direct

PSL compliance including PSLC purchases and AFS reserves.

PSL compliance at headline and subsegment level counts PSLC purchased... we are not organically compliant... AFS reserve on a gross basis at 31st March 2026 is 254 crores. It's a negative number.

Kunal Sha · City Group

direct

NI growth vs loan growth: timing and sustainability.

Business does get booked through the quarter. Quarter 4 is the strongest quarter... There is a gap between me growth and average balance growth... The book has continued to hold up. So it was not a period end bump up.

Kunal Sha · City Group

partial

Retail growth step-up and fee income outlook.

It's not a quarterful phenomena. We've shown you last quarter also we saw a decent acceleration in our dispersal numbers... We hope to continue to maintain this momentum in the retail asset growth... We also continue to hope to see acceleration in the fee lines as well.

Abhishek Muraka · HSBC

direct

Need to calibrate corporate loan growth for ROA/ROE?

RAROCs continue to remain healthy for the wholesale business... We will need to manage that leverage ratio... we will look to recalibrate the book back... The calibration is ongoing.

Abhishek Muraka · HSBC

direct

Clarification on one-time opex items: 126 cr cost and 282 cr reversal?

In the current quarter, we've provided 429 crores. It is not on account of what we reversed. It is basically rate movement for employee benefits... the cumulative impact of that was roughly about 408 crores.

MB Mahesh · Kotak Securities

partial

Segment-level ROE and aspirational bank-level ROE.

The aspirational ROE was 18%. At the bank level... retail ROE is marginally higher than wholesale ROE. So we don't really want to put a number at a segment level.

MB Mahesh · Kotak Securities

evasive

Credit cost outlook for FY27 and risk filter stance.

Punit is not going to give you a guidance... If we ignore West Asia, you know where the trend line is going... The growth that we've delivered on disbursement is without loosening our risk filters.

Maruk Ajana · Tara Capital

direct

Buffer provision usage and deposit rate outlook.

Yes, we will draw down on these provisions in the event we see an impact on the P&L in FY27... On deposit pricing, banks reduced retail pricing by 10-15 bps... I don't see any further cuts happening.