Stockrabit · Analysts
Questions across 16 calls

Gaurav Jain

ICICI Prudential Mutual Fund

Mahanagar Gas Limited

Mahanagar Gas Limited CC-May26.pdf · 2026-05-08
A couple of questions from my side. One is on the Henry Hub, the volume that we are getting is at HH-linked and the earlier terms only? Or is there some change in the pricing that we are getting it at? That is first. Second, sir, you mentioned somewhere that while you can add more commercial and industrial users, but you are not adding it currently because of the restriction of 80% of total gas in that sector or something. But we have the opportunity because there is demand. So how does that tie? These are the 2 questions, sir.
And lastly, sir, on spot LNG, if you can highlight that at what price from what region, how easy is the availability? I mean whatever color you can give on the spot LNG availability for you and the country at large also, that will be helpful.

UTI Asset Management Company Limited

UTI Asset Management Company Limited CC-Apr26.pdf · 2026-04-23
Thank you for the opportunity. My question is on the expenses side. There is some one-off you called out in Q4 FY26, but I could not understand the thing completely. But then, on reported numbers, what we are seeing is year -on-year there is a sharp increase. So, if you can help us understand what is the one-off and for FY27, how should we build or think about the employee expense and also the other expenses bit because if you look at FY26, I don't think there is much one-off in the other expens es bit. That for the full year has also grown 15%, which is on the higher side. So, if you can help us understand, how should we think on both from FY27 perspective?
Yes, sir. Just one follow -up on the employee expenses. So, basically Q4, when I am looking at the consolidated employee expense, it is Rs. 132 crores. That is the normalized run rate, what you are saying, post VRS, and there is no one-off in this.

Life Insurance Corporation Of India

Life Insurance Corporation Of India CC-Dec24.pdf · 2025-02-07
Congratulations to the team on being able to demonstrate a consistent shift towards high margin on products. Sir, few questions from my side. One is sir in -- today, the monthly numbers also came out. And there also we have seen some decline in APE. So what are the steps that we are taking to arrest this APE decline and get back on the APE -- individual APE growth trajectory again? That is my first question.
Got it. Sir, just one more question from my side. I understand we give, sir, EV on a half yearly basis. But given equity markets have been volatile, will it be possible to give us some direction on how EV have moved on this December 24 quarter, sir?
Life Insurance Corporation Of India CC-Sep24.pdf · 2024-11-08
First of all, congratulations to the team for such encouraging set of results. Few question from my side, sir. First is on par margins, a follow-up. So should we expect this 10.1% VNB margin for par to continue? Or was there something exceptional this quarter? And going forward, we should expect a little lower number? Second, on product mix. So we are seeing very encouraging shift towards non-par in the individual is now at upwards of 26%. So what is the sustainable number towards product mix that we think we should -- we should achieve for FY '25 and say going forward? Third is on distribution mix that we are seeing encouraging shift here also in favour of bank and alternate channels are now closer to 5% of individual NBP. So if you can highlight what are the steps that we have taken? Have we added new opening or worked with additional channels, etc? And fourth is sir, update on the investment in SAHI that you were planning to do? Yes, that is all.
On product mix, sir, non-par.
Life Insurance Corporation Of India CC-Jun24.pdf · 2024-08-09
Just two questions from my side. One is on the new launches or so the Jeevan Utsav product that we launched has really helped us ramp up the non-par APE side o f it. So are there any new launches that you are working on, either on the non-par or anyt hing on the annuity or, say, protection ULIP. So if you can help us understand what kind of new launches are you thinking on? And second is on the distribution side. So if there are any st eps. I can see there is some increase in the Banca APE and the Direct APE also. So if you can help us understand what are the strategies that we are taking on the distribution side to increase the more mix coming from these other channels also?

Castrol India Limited

ICICI Prudential Life Insurance Company Limited

ICICI Prudential Life Insurance Company Limited CC-Sep24.pdf · 2024-10-22
A couple of questions from my side. One is, if you can share a little more update on this ULIP Platinum as a product as to for the total ULIPs sold, how much came from this product? Second is for H2, what are the new launches that are lined up and in which segment of the business will the launch be?
And to follow -up on Platinum, sequentially will we see month-on-month growth, and are we seeing activation across partners or growth here? I mean, I just wanted to understand, the products we launched, should we expect it to become a meaningful chunk in quarters down the line?

HDFC Life Insurance Company Limited

HDFC Life Insurance Company Limited CC-Dec24.pdf · 2025-01-15
A couple of questions from my side. If you can put in some more ligh t on what is this calibration in credit life that we are taking, which has led to some degrowth in the group protection business? And what would be the guidance for the same going into H2? Second is, is the repricing required for surrender regulations with HDFC Bank done? And third is, if I take the lower end of the guidance also, which is like 18% APE growth in FY25 and 15% VNB growth in FY25, the ask rate on margin from H2 will it be a high 26.4%, Vibha? So, while I understand margin is a derived number and one should not put a lot of focus to it and focus more on absolute VNB. But is there something that can give you some confidence as t o these repricing, etcetera, will help you deliver better margin in H2? Or how should that be looked at?
That was helpful. Just 1 last q uestion. We also saw degrowth in annuity, which would have led to some margin compression, is there also competitive intensity or challenge or how is that shaping up?
HDFC Life Insurance Company Limited CC-Sep24.pdf · 2024-10-15
A couple of questions from my side. If you can put in some more ligh t on what is this calibration in credit life that we are taking, which has led to some degrowth in the group protection business? And what would be the guidance for the same going into H2? Second is, is the repricing required for surrender regulations with HDFC Bank done? And third is, if I take the lower end of the guidance also, which is like 18% APE growth in FY25 and 15% VNB growth in FY25, the ask rate on margin from H2 will it be a high 26.4%, Vibha? So, while I understand margin is a derived number and one should not put a lot of focus to it and focus more on absolute VNB. But is there something that can give you some confidence as t o these repricing, etcetera, will help you deliver better margin in H2? Or how should that be looked at?
That was helpful. Just 1 last q uestion. We also saw degrowth in annuity, which would have led to some margin compression, is there also competitive intensity or challenge or how is that shaping up?

Mankind Pharma Limited

Nippon Life India Asset Management Limited

Nippon Life India Asset Management Limited CC-Sep23.pdf · 2023-10-30
Just a follow up on the previous question around systematic flows, when we say it is equally spread, do we mean it is equally spread across the 5 schemes of large, mid , small, multi cap, flexi cap is one? And second, given it is a 38% quarter-on-quarter growth on systematic flows, is there an element of small cap, lump sum having moved, and this number expected to see a dip eventually if people decide to stop small cap, etc., and also if you can help us understand the SIP STP split here, sir?