Hi, sir. Good evening. Sir, just wanted to confirm, firstly, did I hear correctly the growth target for FY27 would be 20%?
Understood. And secondly, sir, I just wanted to understand, if I look at the QoQ trend in PAR 90-plus, so while 0 to 90 has come down QoQ, there has been some stickiness in 90 -plus. So basically, how should one interpret this increase in slippages in Q3?
Good evening, sir. Sir, firstly, a slightly long-term question. Given that the stress now seems to be subsiding, how do you see or when do you see the PAR numbers basically reversing back to the normal levels as in the Q1 levels or what they were in Quarter 4 last year?
Got it. And secondly, just wanted to confirm, if I understood correctly, basically the provisioning has come down during the quarter, because you are expecting better recoveries in Karnataka. Is that understanding correct?
Good evening. Sir, my question is on the Affordable side. I just wanted to understand, typically, what is the month on book after which you consider an account seasoned or when you see delinquency start flowing in?
Got it. So ma'am, just lastly, in a steady state, what would be the 30+ and the 0+ numbers that you expect from this portfolio? I know you called out the 90+ number at 1%?
Good evening, sir. I just have one question. Could you talk about the competition that you see from large private banks on the MSME side?
So sir, in terms of service quality metrics like turnaround time, typically, how do you differ from other banks in this space?
Hi, sir. I just wanted to follow up on the previous question related to infrastructure. Sir, could you talk about how the product wise or loan category wise underwriting compare to the industry standards, so basically, how much of it is scorecard base and automated, how much of it requires manual intervention? And if you could also talk about what are the areas of improvement that you see over there?
Sir, I mean I just wanted to understand that the legacy NPAs that we are carrying on the book, operationally, I just wanted to understand what has changed from the time when those loans got disbursed?
Good afternoon, sir. Sir, I am, but trying to understand the Bank. Just wanted to understand , could you give color on the financial markets portion of the loan book? Prehistorically, in '21- '22, the segment faced strong asset quality issues, but we seem to have stabilized in '23-'24. Could you give color on the operations and some details about this book.
Sir, I just wanted to understand what is it that we do in this portion of our lending and what do you expect in terms of credit quality from this book.
Two questions from my side. Firstly, could you provide some color on the restructured book, so how much is the Stage-1, Stag 2, Stage-3, how much is the share of LAP, housing and how much is salaried and h ow much is self-employed? Some general qualitative sense around this. And secondly a while back I think you were talking about some builder tie-ups and is that something that we are still working on?
And on the builder tie-ups?
Firstly, could you provide some sense around the asset quality on a vintage basis, as in what does the asset quality look like on our 1 -year-old book, 2-year-old book? And what's the right vintage to assess the loans in your categories?
So, what does the asset quality look like on the loans that were disbursed 1 year back and on the loans that were disbursed 2 years back? Just trying to understand how the asset quality progresses as the loan seasons.
Just still wanted to double click on certain aspects of your operations. Could you provide some color on the operations of your field teams and RMs, what are the 2 -3 key activities carried out by them and what's their contribution to the underwriting, bas ically trying to understand how you deal with the subjectivity of underwriting with the centralized underwriting system?
For the self -employed segment where there's higher degree of unpredictability of cash flows, how is it done, if you could explain that on a centralized level, is it done through transaction statements and bank account statements, or do you have more on the feet operations for underwriting to that segment?
Good afternoon, sir. Thank you for taking my question. Some general questions around tech infrastructure. Could you talk about your strategy with respect to tech from a medium to long- term perspective? How are tech in terms of on boarding and client monitoring differs from the industry? And moreover some general sense what can be done with tech in this business in terms of client productivity and to what extent this business is always going to be a high -touch business. Some general sense around tech in this business.
My name is Chinmay.
Hi, sir. Thank you for taking my question. Just wanted to double click on the self -employed segment. Could you talk about your typical customer profile in this segment? And what kind of income verification and checks and balances go for this segment? And also, how does the asset quality differ between the salaried and the self-employed?
The last part was, do you see any difference in the asset quality of salaried and self -employed segment or if you could quantify it?