A couple of questions . Firstly, sir, wh at was our BT out r ate for this quart er and for the last couple of quarters?
And what was it for Q1 and Q4?
Questions across 5 calls
Bhuvnesh Garg
Investec Capital
PNB Housing Finance Limited
UTI Asset Management Company Limited
I just wanted to understand the structure of our trail commission for NFO. For a recently launched, is it a fixed percentage throughout the tenure of the fund or is it a step-down structure? For example, higher commission in earlier 1-2 years and then lower commission? And how this structure has changed in the last two or three years? Just your thoughts on that.
Is there any particular limit as such that how much higher c ommission you can pay in the first year and how much lowest c ommission you can pay in the subsequent years?
Can Fin Homes Limited
Sir, I have a question regarding the RBI guidelines on change in EMI or increasing the tenure, the guidelines, which were issued in August. I just want to understand the impact of like how we used to do it earlier and what has changed after the guideline. Yes, that's my question.
Okay. So would you be able to quantify that, how much that impact of penal interest would be there?
HDFC Life Insurance Company Limited
Just on the APE growth. So if I understand the APE growth by ticket size, so you said that 18% growth in lower ticket size Y-o-Y and 20% decline in high ticket size. Is that correct, sir?
Considering 12% of your APE comes from high ticket size and if you had 18% growth in low ticket size and 20% decline in high ticket size, basically blended growth should have been 13%, 14% Y -o-Y in H1, but we had 9% growth in H1. So, I just want to understa nd what's the disconnect here.
Angel One Limited
Yes, hi. Thank you for the opportunity. And congratulations for a very good set of numbers. Sir, a couple of questions on your new businesses. Firstly, on the lending products distribution. I just want to understand that, what would be your role in the partnership that you had mentioned in the presentation that through AI and ML models you would be creating profiles of your customer? And just want to understand, what would be your role in that partnership and what type of products that you will be offering through lending platform? So, yes, that's my first question.
Okay. Got it. And sir, any particular targets we have in this lending space in terms of AUM or in terms of revenue that we want to reach over the next three years?