Yes. Sir, just to make this one point with you, that we have appointed Jatul as the Interim one for the housing business. Now, for the appointment of the new CEO, are you also considering internal and external candidates? And in that means the current appointed ones as the charge. Are they also in the consideration for the MD, CEO role?
And just some indication as to whether we will also be looking at internal and external candidates both at this point of time?
Sir, on this Affordable piece itself you mentioned that the incremental yield which we are having is roughly around 12%-12.5% right now. But now if you look at this segment and the other peers now, do you think that this is a good enough yield to charge for that customer segment that can cover our OPEX and possible sustainable cyclical credit cost? That is the one and the second part, sir, so how much of our new disbursements in this segment are through DSAs, specifically the Affordable one, if you can help on that aspect? And when I say DSA, when you say that in- house, I mean employee sourcing mostly through DSAs, I would also want to look at that makes direct versus DSA part? And third, sir if you can just give a breakup of the employees between the prime emerging and Affordable as on today?
At this point of time, when we look at our disbursement, basically customers would have otherwise gone to AHFCs Aptus, Awaas although the larger set of AHFC, is our customer segment, they are very overlapping? And the second part was related to this itself of the incremental disbursement. How much is BT in our case where we are basically, it is not a new loan, but it is more coming from somewhere else?
Sir, just one thing that carrying forward from that dividend point itself, wanted to get a sense that for us to grow at 30% , and given that the overall balance sheet leverage will keep inching up. At what level are you comfortable with ? Is 70% borrowing advances more a range where we would need to think for equity raise? And also, if you can help us correlate with that payout number that we paid roughly around Rs. 4.5 dividend this year. So, we are not following a typical payout percentage policy. So, is it that we should just look at that Rs. 3, Rs. 4 dividend as an amount which becomes constant over a period of time? Because we will need that money in the next three to four years, beyond which if we don't want to increase the leverage of the balance sheet.
So, basically, sir, what you are trying to indicate is that roughly 80% borrowing to advances is where, till that point we are comfortable in giving or maintaining the dividend payout , and objective is more to get that leverage of 5x on the book?