Questions across 22 calls

Jigar Jani

B&K Securities

IIFL Finance Limited

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

I just wanted to touch on the fu ndraising, although it's only an enabling provision. Now, considering we are moving largely off book which is co-lending and DA at 40% is what we are at, I think for that book and we are guiding for 25% growth, I think then 60% of the 25% only needs to be funded through internal accruals or equity because even if I consider the co-lending portion of 20% probably, it should be at 17% or 18% and we are already making kind of 20% ROE overall and we are expecting ROA s to remain stable. So, would this additional equity of 3,000 crores be a drag on your ROEs whereas you can easily fund your estimated growth of 25% through internal accruals itself considering we are moving more and more off book?

So, there might be a chance that your growth trajectory might move higher post the equity fund rate and any plans to go inorganic in terms of growth for this fundraise?

Can Fin Homes Limited

Can Fin Homes Limited CC-Sep23.pdf · 2023-10-18

So just a couple of them. One, on the APF side, any particular targets you have probably out of the INR6,000 crores, how much disbursements you're targeting this year in the second half on the APF side? And for next year, especially the one that this is li kely to be a one major growth lever that is likely coming out of say INR12,000-odd crores of disbursements that we are targeting next year. How much are we kind of internally targeting from the APF segment, that's one. And secondly, on the opex front, on the IT infrastructure, I think we have guided INR460 crores of opex, the IT systems over were spread over 2 years. I just want to understand how much you have spent in the first half? And how much is pending to be taken in FY '24? Hello?

And on the opex? On the opex for IT...