Good afternoon and congratulations on the good numbers. First question is on the fee income front, the growth in fee income was quite strong in this quarter. Are there any exceptional items here?
And I'm referring to just the fee-based income which is Rs. 2,868 crores for the quarter?
Just a couple of questions from my side. Firstly on the personal loans book, can you share some trends on what the G NPA ratio on this book looks like? How it has trended in the last few quarters and any observations which you have seen on the delinquencies?
What was the GNPA ratio, let's say, in the December quarter or in the March FY '23 quarter?
Hi team, good afternoon. First question is on the term deposits front. We have increased the rate we are offering on the term deposit 1 -2 Tier bucket. The peak rate by about 25 basis points in the December month. Any reason why we have done that? Because w e were already offering premium rates as compared to SBI or Bank of Baroda?
Okay, but we are already at a premium. Is there some pressure in terms of deposit acquisition which prompted us to increase rates?
Hi, team. Good afternoon. A couple of questions from my side. Firstly, if I look at the unsecured personal loan book that has been broadly flat over the past three quarters at around INR 12,000 crores, any reason why this growth has been sluggish, sequential growth?
Okay. But any trends that you are seeing on delinquencies in this book as of now?
Just a couple of questions. Firstly on the MFIN rules, would you have a sense of what is the proportion of your borrowers who would be in breach of either of those two rules, either there are more than 4 lenders or the exposure is more than 2 Lakh.
And what is the typical plan of action for these borrowers in your case?
Couple of q uestions from my side. Firstly s ir, there was some change in accounting with the RBI suggested from April 24 on penal charges. Can you quantify what is the amount of penal charges which were classified now under non -interest income but earlier it would have been classified under interest income?
Understood. Secondly, sir, you gave out a number on recovery from return of accounts. Just can you please confirm that amount is Rs. 338 crores?
Two questions from my side. Firstly on the recoveries from written off accounts, h ave you already started using the NDND scheme for your OTS and because your recovery from written off account is fairly high in this quarter at INR470 crore?
And what was the quantum of this one large recovery?
First question is on the investments towards digital initiatives, within that expense towards credit cards, QR and video banking that has gone up sharply, both Y -o-Y and Q -o-Q. Can you just qualitatively detail out, which are the main cost heads within thi s, not -- no numbers, but just what kind of costs go into this?
I'm talking about that INR170 crores. That INR170 crores in this quarter, which went towards credit cards, QR and video banking. What are the main expenses within this? What kind of costs does this include?