Questions across 5 calls

Jignesh Shial

InCred Research

SBI Cards and Payment Services Limited

SBI Cards and Payment Services Limited CC-Dec24.pdf · 2025-01-28

I have one data keeping question quickly. We are seeing a surge in the investment sequentially. Anything to read into it?

Understood. And just a trend on fee income side. I think it's more or less flat. If you see sequentially, and overall trend has consistently been declining if I see on a Y -o-Y basis. So how do you see the -- with more co-lending cards coming up together, along with it, obviously, online spends coming, which basically needs -- we take a little lesser cut on it. So how do you see the fee income trend going forward? Do you see that improvement can come up? Or what's the view?

SBI Cards and Payment Services Limited CC-Jun24.pdf · 2024-07-26

Yes. Just two questions quickly. One since you indicated that 60% of your customers are existing credit customers and 40% is non credit -- new to credit or non -card holders and all. So where are basica lly we are seeing more of defaults happening from 60 or 40 just rough cut? And secondly, this existing credit card customers, as you say that balance what is basically coming from Banca Channel. So how the sourcing happens for the earlier the card customers and is it through more -- through internally or externally or externally, is it how the commission fixer plays out? Because we have to understand how the occurrence or the basically issuances are happening. So, these would be my two questions.

Understood. This is really helpful. But for the 60 what will be the channels from which you're sourcing; 40 I am assuming is fully Banca, majorly Banca. So, this 60 will be then through what sources how much will be Banca, how much will be others and all, can you give us some colour on that?

Bajaj Housing Finance Limited

Bajaj Housing Finance Limited CC-Sep24.pdf · 2024-10-21

Hi, thanks and congratulations for the successful listing. I only had one question. Bajaj Finance has a particular product called Flexi Loans, which is an OD facility, which has been provided as a personal loan . Do in a home loan, we do Flexi Loans? And if yes, then wha t will be the proportion of it? Just that's the only question.

Okay, so my understanding is that then all of our home loans are pure term loan kind of product.

Home First Finance Company India Limited

Home First Finance Company India Limited CC-Jun24.pdf · 2024-07-26

Again, beginning to the same area, the yield softening what we are seeing in cost of funds are moving up. You would have done some PLR hike and all. So, is it not getting reflected in yield because you're doing more of doing products or how exactly is it matching? I'm still a bit confused on that thing. And two more strategy related questions I have, but if you can just give me some idea on this that would be really helpful?

But whatever if you see the sequential if I'm seeing all your yields, it has been softening it out on a sequential basis, on a consistent basis. So, that is the reason I'm a little confused that have we not taken any rate hike and we are not passing on to the end customer or how exactly does it work?

Nippon Life India Asset Management Limited

Nippon Life India Asset Management Limited CC-Jun24.pdf · 2024-07-19

Just wanted to check, it's more of curiosity I'm asking. You are seeing that your overall market share ex ETF and equity is also 6.88%, which is roughly 12 bps higher, right? So -- and even your market share, your ETFs have also seen a significant improvement sequentially. So with ETF also, if you see like what other large AMC gives….

Yes. So your equity market share, excluding ETF, is 6.88%, correct, which is 12 bps kind of a rise sequentially?