CREDITACCESS GRAMEEN LIMITED CC-Jun25.pdf · 2025-07-22
Hello, sir. Thanks for the opportunity. Just a few questions at my end. Sir, if I just take what is the new PAR accretion, what is currently 0.46 %. And if I assume that this stays at the current levels for another quarter, is it right? Because the credit cost, which you have showed in the 1st Quarter, 2.2% and if I assume that for the quarter, your forward flow rate would be 1.5. And if you make 63%-65% of the PCR, probably 1% credit cost is required on a non-annualized basis. Will be for the no-end plus the write -offs, which can potentially. So, can we say that in the second quarter, your credit cost can revert to a level of 1.5% on a non -analyzed and then third, 4th Quarter , potentially, where we can see a massive improvement of below 1%. Is that understanding, right?
So, the idea is to understand the pace of the decline, what my math says that from going ahead quarters, assuming if your flow rate doesn't increase and stays at even at the current to a declining trajectory, your credit cost should materially decline from the coming quarters now.