Capri Global Capital · 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
92%
Numeric claims
0
Consistency
—
Question ledger
Aman Bahhati · Incorrect
directThis quarter we added 86 branches. MSM we added about 13. Micro we added about 43 which is a new newly introduced product one and a half year ago. Gold loan we added 21 branches. So focus is back to MSME you can say that but at the same time Gold also we are going to add more branches by the end of the March 2026.
Aman Bahhati · Incorrect
directCo-lending is a spread it remains the same. It is just a tool to use your treasury in a manner that you need not to provide any capital and credit line. ... So it is a very capital efficient model without compromising any margins or the spread and going forward I think our co-lending fees will remain in the range of about 20%.
Aman Bahhati · Incorrect
partialCost of fund currently is about 9.66, we expect that reduction of MCLR rate plus diversification and some mix of commercial paper and short-term borrowing should bring the cost of fund down by another 30 to 40 basis gradually in next two to three quarters.
Karan Gandhar · Choice Institutional Equities
directIf you look at the quarter on quarter then MSME NPA numbers have reduced from 4.3% to 3.1% on gross and subsequently the net NPA has also gone down however there is no significant change in the external environment ... this reduction is largely on account of the ARC sale which we have done.
Karan Gandhar · Choice Institutional Equities
directConstruction finance book if you seen over the period of years it has been remain very stable and as you understand that our construction finance book is also in a very retail way of doing very smaller ticket size outstanding base is 17 cr sanction is 51 cr so that reflect that risk is very granular.
Karan Gandhar · Choice Institutional Equities
directTop up loan or repeat loan they are one and the same thing in the gold loan because same customer keep repeating coming again and again ... 55% customers are repeat customer and top-up loans keep happening is a regular feature.
Saga · SparkPWM
directI think our gold will remain in the range of about 40% plus minus 2-3% here and there and the rest of the segment of affordable housing MSME and construction finance will remain in the range of 20 to 22%.
Saga · SparkPWM
directOur current portfolio yield in the range of 16 and a half%. And there could be a slightly improvement of 25 basis or so on account of gold and on account of micro lab. ... overall, you can expect that about 25 basis increment in the yield of the advantage will be there.
Saga · SparkPWM
directGrowth in the range is about 16.4 which is increment about 18% YoY and 3% quarter on quarter.
Saga · SparkPWM
directWhile you are taking the growth you are taking the growth of MSME including micro lab while you are taking the number of customer you are taking only of MSME. So that is why this disconnect is happening. ... Total number of MSME customers including Micro lab are 45,000.
Saga · SparkPWM
directOur focus is that our yield which is currently 13.3 we are targeting the yield has to improve to 13.7 and for that we are going a smaller ticket size smaller locations tier three tier four and focusing on improving the yield of the overall housing business.
Varun Dub · Share India Securities
partialBecause lot of our interest rates loans are now happening at the lower rate plus old loans are getting reset and those dates are happening on an annual basis. ... So because of the two things our cost of fund will come down.
