Aye Finance · 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
83%
Numeric claims
0
Consistency
—
Question ledger
Charleen Kapia · IFL Capital
directmortgage share should increase to about 30%... credit cost has been falling... at quarter four we should be at a quarterly annualized credit cost of less than 4%... comfort range is 3.5% with plus/minus 0.25%.
Charleen Kapia · IFL Capital
evasiveexact guidance with respect to FI27 we provide it in the next earnings call... yields have improved... roughly around 25 bits to 40 bits higher reversals... we would like to give it in the next warnings call.
Sha · Capital
directcollection in Bihar has been between 99.2 and 99.4%... if regulation has similar playout as Karnataka or Tamil Nadu then it will have very minimal effect on non MFI NBFC.
Sha · Capital
directwe didn't have a collection team... new person who has just taken over about four months back... when you collect 99.4% then the possibility of selecting in bucket one becomes difficult.
Chinmai Nema · Precision Capital
directpar 90 of the hyper education loan was 5.65% and the par 30 for the hypotification loan stood at 7.54%. With respect to the mortgage portfolio the par 30 was 3.5% and the par 90 was 2.69%.
Chinmai Nema · Precision Capital
declinedThat numbers I will not have readily available. I'll connect separately and we I can share the data.
Chinmai Nema · Precision Capital
directhypothecation loan kicker with respect to growth should be normalized in the next financial year... quarter four numbers of January and February clearly show picking up of the productivity.
Samir Desia · Research desk
directloan officer goes and meets the customer... credit officer on the field... within 45 days a vigilance team goes and visits the customer to see whether asset has been purchased or inventory used.
Samir Desia · Research desk
directthere are many providers... fair amount of supply... we don't see a direct face-to-face competition... we want to grow to 30%... interest rates are in line with the market.
Samir Desia · Research desk
directI would think that this is what we should target and it is not beyond us to grow at that pace. We have shown better growth than this in the historic years.
Samir Desia · Research desk
directwe delivered a R of 2.5%... if trade cost goes below four then we have at least a 65 basis points improvement... operating expense... will gradually drop... that brings you into that range that you're talking of.
Rohitas Aurora · Individual Investor
directit will be across the country... no specific state we would avoid... certain states show better promise and better productivity which we focus on.
