Bajaj Housing 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
75%
Numeric claims
0
Consistency
—
Question ledger
Raghav Garg · Ambit Capital
declinedwe won't be able to share segmental disbursement numbers. We have given the segmental AUM growth number and overall AUM growth as a product level. But segmental disbursement numbers, we generally do not publish.
Raghav Garg · Ambit Capital
directFor affordable strategy, we'll remain anchored on purchase transactions, not on taking over the BT... Ticket sizes in affordable will be between average ticket size would be 16, 17 odd lakh... and in the near prime, close to 35 to 40 odd lakh.
Raghav Garg · Ambit Capital
directour book, which has grown at a faster pace, but at an absolute level, we are still less than INR 13,000 crore kind of a book... even if the launches are slow... we have continued to grow at a good absolute pace because the percentages in our case are not that relevant because of a base being lower.
Piran Engineer · CLSA India
partialthe way we do our builder finance business is that we take the sweeps from the day one largely... there will not be any project where there is a launch has happened and the repayments are not coming in.
Piran Engineer · CLSA India
directWe intend to keep on seeing... every year, generally, we improve this ratio by 1.5%-2% because the kind of investments what are required or the income growth would always outpace the OpEx growth... 14%-15% is a number in the medium term, which we are very confident.
Shubhranshu Mishra · PhillipCapital
directHome loan and lap growth... we are growing close to that range today, maybe 21%-22%... 50.9% is the number for individual home loan... 30% of our total liability is linked to external benchmark and 13% to MCLR.
Viral Shah · IIFL Securities
direct31-90 DPD have remained largely range bound to 0.08% at a company level from 0.07% in Q2. So we don't see anything... Rest of the stage two assets are a reflection of what we internally classify as an increased risk.
Viral Shah · IIFL Securities
partialthere has been some delays in execution of registrations due to a change in Karnataka... The situation is getting normalized as we speak... Telangana, I am not aware of any disruptions in registrations or anywhere.
Viral Shah · IIFL Securities
evasivethe way we underwrite... average outstanding per project is what we construct ourselves for granular book... we should be able to hold ourselves well.
Rahul Jain · Goldman Sachs
directcredit cost, gross of overlay release in this quarter was 0.20%, which was 0.20%, which is because there's an INR 10 crore overlay release because 0.15% is net of overlay release... it's more or less in range.
Abhishek Murarka · HSBC
directthis is a three-year kind of a medium term... it is not created in standalone where the impact of a repo cut is not there. For next year, we have our own predictions of repo cut, which are baked in in the forecast or the assumptions.
Prakhar Ahlawat · JPMorgan
directGross spread would be lower than 1.8%. Broadly, yes. So over a medium term, yes, it would be so between 1.8%-2.2% in that corridor, spreads would move.
