IIFL Finance Limited CC-Jun25.pdf · 2025-07-31
Yes, hi sir. I just wanted to understand the changes that have happened on the asset quality side in this quarter. So, we have seen that across all segments other than gold and capital markets, most of the segments, stage 1, stage 2, stage 3, they have all seen deterioration. So, can you explain segment- by-segment what are the key changes that have happened on the asset quality? And commensurately, what has been the impact for credit cost in this quarter? And how do you see the credit cost going up ahead?
But still on that, unsecured MSME for us is still largely a Rs.4,000 crores book and even the secured MSME is a substantial portion of the book. So, over here, how do we see the trends, like going ahead, what sort of provisioning can come from this segment?