Bajaj Finance · Analyst questions, management answers, and the quality of the response where the ledger is available.
ConCallIQ research layer
Use the controls below to narrow the view, then follow the evidence into the next layer of context.
Questions audited
11
Answered directly
64%
Numeric claims
0
Consistency
—
Question ledger
Antariksha Banerjee · ICICI Prudential
partialSo we wanted to really publish. We are ready, but principally, bureau technically did not allow us to publish that, rightfully so. But we can share some update. ... So what we have done is we've cut between 8%-14% of the business in urban and rural, 14% in rural and 8% in urban, as a preventive measure.
Antariksha Banerjee · ICICI Prudential
directSo if you look at 8 lakh +, in FY 2020, the number looked like 291 basis points. ... FY 2023 is looking at 115 basis points. This is industry. ... We were 28 basis points, in FY 2020 we were 31 basis points, and we are at 18 basis points. So yeah, we do conclude that adjusted for less than 50,000, numbers in general of greater than 50,000 are looking lower than FY 2020.
Antariksha Banerjee · ICICI Prudential
evasiveI mean, you know, so principally, that listing is eight-nine quarters away. ... we are prudent allocators of capital. ... those who generate the sustainable return on equity would get capital for all our lines of business.
Viral Shah · IIFL Securities
evasiveWe'll try and work closely with the bureau because it will be, we are not the constraint. We'll work with the bureau and try and assist.
Viral Shah · IIFL Securities
directRegulatorily, we are required to have a 60% asset mix by 31st March 2024. ... as of 30th December, we are at 59.01. ... Our attempt would be that before, up to 31st December, which is Q3 itself, we should be reaching that number of 60%.
Viral Shah · IIFL Securities
directThis is exactly, thing that we are referring to. ... The customers were stuck because of daily, day overdue logic into Stage Two in the last quarter. And because of 92-day quarter, these customers have moved from 89 days to over 90 days in the current quarter.
Piran Engineer · CLSA
partialIt's purely data dependent. ... The greens and the yellows and the reds are management assurance. ... If you go to urban B2C, you see our Stage Two at 143 basis points and 95 basis points, whereas here, it's 109 basis points and 141 basis points.
Piran Engineer · CLSA
directSo I'll give you the complete picture. ... we generally don't do retail malls. We do generally a Grade A commercial. ... 100% of the portfolio largely would be Grade A commercial. ... Lessees are all largely Fortune 500 companies, and all cash flows are escrowed.
Abhishek Murarka · HSBC
directWe believe cost of fund is heading, northward. ... replacement of old, monies that get borrowed for two-year and three-year at very, very low price. They are coming from maturity and renewal. ... I think it'll peak out by Q4.
Abhishek Murarka · HSBC
evasiveLook, we... I keep saying to people, we are an entrepreneurial company. If I don't want to spend the money, I don't want to spend the money. I mean, 45% is fixed, right? That's compensation, right? That's salaries.
Kuntal Shah · Oaklane Capital Management
partialOne investment a year is really what we think we can, we can consume, absorb, or work with. So that's really how. ... we'll remain very prudent in the way we make investments.
Kunal Shah · Citigroup
partialWe'll take a year at a time. So clearly, can I say, given the strong momentum in the first half of the year, we're pretty confident of the year? The answer is yes. The long-term guidance that we provided, do we remain confident of delivering that? The answer is yes.
