Cholamandalam Investment and · tone and specificity signals across the available quarters.
Language signals
We are still holding our growth trajectory between 20 to 23% what we have been committing and we are still hoping that our net credit cost will go down from 1.6% pre-overlay to 1.5% and our ROA should improve then closer to 3.5% pre-tax ROA.
Last year when we started we were having three engines of Chola – LAP, SBPL and HL – they were driving the growth. Now all eight engines are driving, so that is what is our comfort level.
We have not seen any impact of the war. For last three years we have been going through the problem either from the geography point of view or the product point of view... from Q4 onwards it started improving.