Stockrabit · Analysts
Questions across 11 calls

Hardik Shah

Goldman Sachs

CREDITACCESS GRAMEEN LIMITED

CREDITACCESS GRAMEEN LIMITED CC-Mar25.pdf · 2025-05-16
Thank you for the opportunity, sir. I have two questions. One is on the growth. I appreciate you calling out group lending growth at 8 -12% because of potential write -offs. But if you were to think about FY27 in a normalized environment, how should we think about growth? If you break that down into borrower growth and ticket size growth? Why I ask that particularly is because penetration levels in some of the large states have already reached at very high levels . Bihar, more than 90 %; Karnataka, Tamil Nadu at 65%. So what are the states that will drive that borrower growth, if you could allude on that?
Got it. Sir, in terms of borrower and ticket size, fair to assume 8-14%, if you are calling 12% as the group landing or is this more going to be only borrower and ticket size kind of remains flat because of what the level.
CREDITACCESS GRAMEEN LIMITED CC-Sep24.pdf · 2024-10-25
Sir, I have two questions. One is in the last quarter, you alluded that your ability to access customers was better in 2Q and hence you are receiving partial payments. How is that trending for delinquent customers? Number one. And number two, if I see the fresh flows across states from Q1 to Q2, that has gone up across states. Karnataka has gone, for example, from 0.3% to 0.9%, Tamil Nadu from 1 % to 1.7%, Maharashtra from 0.5% to 2.6%. So, what is giving you confidence that things will stabilize in 3Q and improve in Q4, given that fresh flows are continuing to come across states?
The ban made by RBI for a couple of NBFCs or also microfinance players, will that accentuate problems in some of the states that you operate in, in terms of liquidity and hence the problem that was accentuated by MFIN guardrails could kind of get accentuated even further?
CREDITACCESS GRAMEEN LIMITED CC-Jun24.pdf · 2024-07-19
I have two questions. The first one is on the borrower addition. Incrementally, what could be the proportion of NTC borrowers that we are onboarding and on a stock basis, what would be the customers which would be unique to CREDAG?
Understood. And sir my second question is on the over-leveraging. Your slides also mentioned that you're seeing some kind of overleveraging on the ground and also Bureau data suggests that there is a high level of retail loan exposure to the MFI borrowers especially in the states of Karnataka and Tamil Nadu. So, can you share some color on your portfolio? How much of your borrowers would have detail overlap in terms of the number of customers as well as value if you have that?

SBI Cards and Payment Services Limited

Cholamandalam Investment and Finance Company Limited

IDFC First Bank Limited

IDFC First Bank Limited CC-Sep23.pdf · 2023-10-28
The bureau data indicates that the unsecured loans per borrower has been increasing in the last couple of years. Can you share some color around this for your book in terms of what the data is like?
But sir, my question was coming from the fact that what we are seeing is that the borrowers who are taking unsecured loans, they are taking those unsecured loans from multiple institutions. So, if we can share the color on our borrower wherever we are lending, if you have that kind of a cut in terms of whether that customer is an exclusive customer for us or if that customer is borrowing from multiple institutions?

LIC Housing Finance Limited