Questions across 31 calls

Deepak Poddar

Sapphire Capital

Signatureglobal (India) Limited

Signatureglobal (India) Limited CC-Mar24.pdf · 2024-05-16

Thank you very much, sir, for this opportunity. Sir, just first up on the last statement that you mentioned. I think in the presentation, I read somewhere we are looking for Rs. 12,000 crores kind of a revenue recognition over FY24 to FY26. So, also ideally if FY24 is about Rs. 1,200 crores and this year we are targeting Rs. 3,800 crores, so about 7,000 crores of revenue recognition we are targeting in FY26. Would that be a fair calculation?

Okay. And what sort of pre-sales we might be looking at FY26? I mean if you have to do Rs.7,000 crores of revenue recognition, so what sort of pre-sales we are looking at?

LIC Housing Finance Limited

LIC Housing Finance Limited CC-Mar24.pdf · 2024-05-16

Sir, just first up, the areas from gratuity adjustment, what was the quantum you mentioned?

So INR32 crores is wage revision and INR22 crores is gratuity?

Kalyan Jewellers India Limited

Kalyan Jewellers India Limited CC-Mar24.pdf · 2024-05-10

Sir, first up, just wanted to understand now this new showroom, we have spoken about 130. So 80 Kalyan stores all are FOCO model, right?

Five-Star Business Finance Limited

Five-Star Business Finance Limited CC-Mar24.pdf · 2024-05-02

Sir, I just wanted to understand something on the ROE and ROA profile over next 2-3 years because we do intend to increase our leverage, right , currently it is at 1.1-1.2x odd and as we increase your leverage, ROA would tend to go down and ROE would tend to go up, right? So, we have to see next 2-3 years, how do we see the trajectory of ROE and ROA profile for us our next 3 years?

And this 3 year that we have seen, we would see a steady increase in a steady decrease in both ROA and ROA, right?

Thermax Limited

Thermax Limited CC-Dec23.pdf · 2024-02-13

So, first up, I think you mentioned this overseas entity of disinvestment, revenue is Rs.350 crores at 13%, 14% margin, right?

And when we say we’re looking at 15% CAGR in terms of topline, s o how much growth we have factored in that in terms of value-added and how much growth we have factored in established product?

NCC Limited

NCC Limited CC-Dec23.pdf · 2024-02-08

So first up, I missed the point on the debt side. So what did you mention? So what's the outlook on the debt for this year as well as the next year?

How much

NCC Limited CC-Sep23.pdf · 2023-11-10

Thank you very much Sir for this opportunity. Sir just a clarification, you mentioned PAT margin of 5% plus in this year right that is what you mentioned to one of the participant earlier?

4.8%?

Bank of Maharashtra

Bank of Maharashtra CC-Dec23.pdf · 2024-01-16

Sir, just wanted to understand on your credit cost, I mean you did mention that we are providing majority of the slippage during the quarter in that particular quarter itself, but I think in the past we did spoke about maybe normalized credit cost of 1% plus minus somewhere 10 basis points whereas current credit cost is much higher than that. So, how do we see the credit cost going forward?

So, going forward we expect credit cost to be around 1% rate?

Deepak Fertilizers and Petrochemicals Corporation Limited

Deepak Fertilizers and Petrochemicals Corporation Limited CC-Sep23.pdf · 2023-11-03

I just wanted to have a few clarifications. Now the subsidy impact of the last 2 quarters that has come, the subsidy rate remains same there's no further impact, right? All the channel inventories impact has already been factored, right, in our P&L?

You did mention that including the government benefit, at current price of $550, that is FOB Middle East price, right?

Nuvama Wealth Management Limited

Nuvama Wealth Management Limited CC-Sep23.pdf · 2023-10-30

Yes, thank you very much, sir, for this opportunity. Sir, in one of the press release, I read that, we are looking to double the RMs in next five years, right? So, what ideally means for our AUM and in that respect, our revenue growth?

Okay, so next five years, whatever our, if you have to double it in five years, so our CAGR, we are talking about a 15%, let's say in terms of RM. So ideally, our revenue and AUM should grow at a much faster rate than this 15%...

IIFL Finance Limited

IIFL Finance Limited CC-Sep23.pdf · 2023-10-19

My question revolves around your ROA s, I mean, now this quarter also we have seen a very good growth and accordingly ROA s is 3.9%, b ut what sort of sustainable or steady state or aspirational ROA as a business we are looking at going forward now c onsidering also because you told that your co-lending share will increase so the that will be ROA accretive that’s what I presume so some color on it would be helpful?

My second question is on your credit cost. I think ideally that could also help your ROA because ideally your credit cost in the range of 2.25% to 2.5% is little on the h igher side, right? I mean considering the kind of rates.