Questions across 3 calls

Abhijit Tibrewal

Motilal Oswal Financial Services Limited

PNB Housing Finance Limited

PNB Housing Finance Limited CC-Jan26.pdf · 2026-01-22

Yes, good morning, sir and thank you for taking my question. First of all, congratulations to Sir Ajai Shukla on assuming the role of M D/CEO at PNB Housing. Sir, first question on the affordable book. You have called out in the presentation and in your opening remarks as well that you have restricted ticket sizes in certain geographies. So, just trying to understand which geographies are these, right, and what are the underlying reasons for restricting ticket sizes, if you could just help us understand that?

Got it. And sir, this ordinance that you are talking about, is it the MFI ordinance that came in last year, almost a year back?

Home First Finance Company India Limited

Home First Finance Company India Limited CC-Mar25.pdf · 2025-05-02

Congratulations on a good quarter. I am just nit-picking. I just wanted to understand bounce rates have inched up a little bit sequentially, though it came down again in April. Also, when we look at the asset quality – GS3, for last 7 quarters, has been in that 1.7% range. I would admit we are seeing shades of this in other product segments as well given how the economy was . I am just trying to understand, today, are there any customer segments, some cohorts or maybe geography-wise where you are seeing some stress which is actually leading to this? Or is it just pure weak macro, which is leading us where we are today in terms of collections or asset quality?

Got it. So basically, bounce is more like some behavioural change that has happened in customers and which is where maybe they bounce when the NACH mandate is presented, but they pay up later when they follow.

Poonawalla Fincorp Limited

Poonawalla Fincorp Limited CC-Mar25.pdf · 2025-04-25

Just wanted to understand 2 things, sir. First thing first, I mean, how are we thinking about distribution? I recall when we had put out the press release for the launch of our gold loan business, we had spoken about, I think, 300 to 400 branches that we p lan to add. But how are we thinking about approaching the distribution for the other 5 newer businesses that we have launched? That's the first question. And the second thing is, sir, when you joined, you had spoken about opex to the tune of about ₹50 crores higher for the next 6 quarters. Is it going to be the same trajectory? Or are we looking at maybe accelerated opex for the first few quarters and which is where we talk about opex to AUM declining significantly by the exit quarter, Q4 of this fiscal year?

Sir, and just one follow-up on the?