Stockrabit · Analysts
Questions across 17 calls

Anusha Raheja

Dalal & Broacha

Home First Finance Company India Limited

Home First Finance Company India Limited CC-Nov25.pdf · 2025-11-04
Yes, thanks for taking my question. Sir, my question pertains on the asset quality side. Sir, you said that Coimbatore, Tirupur and Surat are witnessing relatively higher delinquencies. So, apart from these states or cities, you feel that other cities, the performance there is satisfactory or they are showing rising concerns? Any of the states wherein you feel currently wherein delinquency might rise?
Looking at the current junction, you feel that NPAs can go off the mark sizably or a small rise , there can be marginal small rise the way that we are seeing currently, or no concern of going off the mark by a very high margin?
Home First Finance Company India Limited CC-Mar25.pdf · 2025-05-02
My question is on the margin side. Of the total borrowing 60% comes from bank . If you could tell us how much is repo rate linked or the MCLR rate linked? And secondly, NHB drawdown, if I am not mistaken, is close to around 16% up. So how do we see this number in FY26? More drawdowns are expected? And thirdly, again, on the margin side, the origination yield in Q4 is 13.3% versus 13.5% of your blended yield. So that is lower around by 20 basis points, what the blended average yield is. And on the borrowing side, I think incremental marginal cost of borrowing is at 8.6% versus 8.4% blended cost of borrowing. So, if you can just throw some light on all these things and how this could impact the margins? I understand that you said that you will be maintaining 5%+, but if you can also throw some light on all these things.
Okay. And ma'am, you also mentioned the disbursement run rate of around 20% to 25% and is that sufficient to maintain the AUM growth of 30%? What is the broad assumption on the run- off of the book that you would have taken here?

IIFL Finance Limited

IIFL Finance Limited CC-Nov25.pdf · 2025-10-31
Yes, thanks for taking my question. Sir, I just want to understand, what is your reading on the asset quality in MFI given the fact that we h ave seen last few quarters pain is there on the MFI side, but as per your assessment, how do you see the current asset quality? And secondly, if you can have in gold loans, tonnage wise increase in the gold so that we can understand, how much is the impact on the AUM because of the gold prices. And thirdly, what will be the key change? What are your initial readings in terms of what could be the key changes with the new management coming in the home finance subsidiary? So, what broad all things that we might expect are the key changes that can be brought?
And in terms of, what can be the key changes that you might bring in the home finance business?
IIFL Finance Limited CC-Jun25.pdf · 2025-07-31
Thanks for taking my question. S ir, you said that for the full fiscal year, you are anticipating credit cost of 3.5%. So, do we anticipate that going ahead for the next two quarters, the asset quality or the NPAs will continue to be on a higher side?
I think that we are anticipating credit cost of closer to around 3.5% for the current fiscal. So, do we anticipate for the next two quarters, the MSME and on the microfinance, the NPAs will remain and the slippage will remain on the higher side?
IIFL Finance Limited CC-Mar25.pdf · 2025-05-09
Yes, congratulations, sir. On a good set of numbers. So yes, I want to understand on the strategy, you know, what will be on the gold loan side. Both, I think you have recouped the previous levels closer on, it used to be 24,000 odd, you are closer to 21,000 odd crore s now. So how do we see the loan book growth over the next two years’ time? Also on the branch expansion side and the changes that you have done at the NBFC levels so that we are complying with the RBI norms, if you can highlight some of the important ones. And also the last quarter you had said that you are being competitive in terms of pricing the gold loans in order to attract the customers. So how is the scenario right now? And at the margin level, how do we see, you know, margin spanning out for the gold loan?
Okay. And so in terms of branch expansion?
IIFL Finance Limited CC-Dec24.pdf · 2025-02-13
I just wanted to understand why there is a reduction in the assigned assets on Q-on-Q basis?
And from the asset quality side, there was an increase in the secured business loan as well in this quarter. So how do you assess overall MSME loan secured plus unsecured asset quality -- from asset quality standpoint going forward? So how do you see that shaping up? And what could be the consol credit cost number that we can expect for Q4 or, say, for that matter in FY '26?
IIFL Finance Limited CC-Sep24.pdf · 2024-10-24
Firstly, is on the gold loan side. I think could you take through how the walk-ins have been recently versus it was six months prior and the competition has also intensified , what was taken away some of your market share, so in that sense, how do we see growth in this background?
And the stage-2 asset of 31 to 90 DPD, there is no significant rise across all the loan segments and the levels are higher than what it was in Q1 as well. So, what is causing such a significant rise?
IIFL Finance Limited CC-Jun24.pdf · 2024-08-07
Sir on home finance subsidiary, this quarter was there any increase in the NP As? Because if I just compare the credit cost, the provisioning line item for this quarter, it was, I believe Rs. 60 odd crores, much higher than what was there in the last quarter. So, what explains this higher provisioning?
So, how much are we saying the CRE and the capital market book down by around almost 50% on a Y-o-Y basis, but what is the broader call and henceforth any more further increase in the provisioning there?

PNB Housing Finance Limited

Can Fin Homes Limited

Can Fin Homes Limited CC-Dec23.pdf · 2024-01-23
I just want to understand the disbursement number that have come for this quarter. If you can just provide us the breakup, how much growth has come in less than 25 lakh buckets and more than 25 lakh average ticket size?
Okay and in terms of if I look at your AUM growth and the loan book growth relative to the peers which I would say in the growth is slightly on a lower end, so how can we expect number to be over the next two year time, so I want to understand why is it at the lower end as compared to the peers? Is it because of the competition or how do you sense it?