Q1-FY27 · Rajnish Karnatak
We have set a target of around $1.2 billion that we will be mopping up under the FCNRB. In that we have a very robust mechanism. We have an international presence of more than 15 countries.
BANKINDIA / language trends
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Bank of India · tone and specificity signals across the available quarters.
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Q1-FY27 · Rajnish Karnatak
Personal loans—after seeing the industry we felt that the low ticket personal loans are at risk. The non-salaried personal loans were also creating some issues. We have put certain guardrails. We are more concentrating on salary segment where salary comes to Bank of India accounts with nudge mandates.
Q1-FY27 · Rajnish Karnatak
As regards the gold loans—after giving three notices within 90 days we sell the gold and realize the money. So our gold loan book is performing very nicely and we are growing also at a very good pace.
Q3-FY26 · Rajnish Karnatak
We have churned our portfolio... we have shed some of our very low yielding advances and got it replaced with certain advances... giving 20, 30, 40 basis point higher.
Q3-FY26 · Rajnish Karnatak
Our RAM book should be at around 65% and 35% has to be corporate... better margins are available as far as the RAM book are concerned.
Q3-FY26 · Rajnish Karnatak
We have reduced the loan to value to 75% now. Any fresh advances in the gold loan category we are keeping a margin of 25% as against earlier of 10% or 15%.