Q3-FY26 · Ramanand Singh
Delinquency levels in the calendar year 2025 cohort are nearly 50% lower than earlier cohorts on a like-for-like basis.
INDOSTAR / language trends
Read confidence between the lines.
IndoStar Capital Finance · tone and specificity signals across the available quarters.
Research layer active
Language signals
What changed in management language.
tracked
Q3-FY26 · J.S. Jan
We would target a credit cost of about 2% plus minus few basis points... that is really our plan.
Q3-FY26 · Ramanand Singh
We are investing significantly in our frontline sales team and that number would go by 30%.
Q4-FY26 · Randil Singh
We took a deliberate pivot transitioning towards a sustainable high growth portfolio quality focused and highly profitable growth framework.
Q4-FY26 · Randil Singh
Our non-starter percentage defined as zero plus DPD cases disbursed in last 6 months is down massively by 68% from 3.29% when we started tightening credit filter to just 1.05% as of March 26.
Q4-FY26 · Randil Singh
We are fully primed for acceleration and takeoff. We are confident of achieving cruising altitude in the coming year and delivering highly profitable growth and compounding stakeholder value.