Firstly, could you please quantify the cumulative amount of sanctions we have got till date apart from the funding to Indian Railways?
Like I believe from the last year, we are trying to take projects outside of the Indian Railways so cumulative from the last year till date.
Hello sir, I had a couple of questions. Firstly, if you could just help us understand that what is the proportion of the AUM for which moratorium is going to end like over the next few years? And what would be the impact on our AUM because of that?
So, just wanted to understand that if the interest you said you consider it as a disbursement, but we have some nil disbursements during the last seven-odd quarters, so how does it work out?
Hello Sir, thank you for the opportunity. I just wanted to ask like what is the disbursement target which we are planning for the current year and the next year? Apologies if I might have missed the answer to this question like earlier.
So just wanted to understand that we are for aying into other infrastructure sectors apart from railways. So, what is there some guideline from the ministry or something that they won't be needing any funding from IRFC going forward?
My first question is like with respect to the increase in 1 + DPD in the recent quarters, have we put in some incremental credit filters? And what are we doing extra in terms of improving our collection efficiencies?
Okay. Okay. Secondly, for your gold finance book, if you could just highlight the number of branches from where we are sourcing this book? And incrementally, are we seeing some growth in the tonnage as well? Or it is purely related to the increase in gold prices?
Sir, firstly, on the gold loan part, could you give some colour like what is the policy on the loan rollover by Muthoot? Like do we net off the loan or like the customer pays the loan completely at the maturity and then we like give a 100% new loan to the customer? So, what is the policy over rollover?
Sir, so supposedly on the maturity date, if the value of the gold has increased, and I can avail further loan basis new gold price, so will I be required to repay my earlier loan or you could give an additional amount over and above like whatever the di fference in the LTV is? So how do we do that?
I just had one question. In a recent con call, one of your competitors said that in an inspection, the regulator had raised concerns about giving personal loan to that existing gold loan customers, but I can see that we have a portfolio of around INR1,500-odd crores, which we have given as personal loans to our existing loan customers. So has there been any interaction with the regulator on this? Or I just wanted to understand if there could be any potential regulatory compliance issue on this?
Okay. Understood. And just to ask like from how many branches are we sourcing personal loans like or -- and what is the proportion of the digital personal loans?
Firstly, like if you could just let us know that if you are facing some attrition at the branch manager level as well and if yes, like what would be that number for us?
What is that number?
Most of the questions were answered, I just would like to understand the path to achieve Rs. 5,000 crores of Affordable Housing book by the end of FY25, I understand that by December it is Rs. 3,800 crores and we have done disbursa ls of around Rs. 900-odd crores this quarter, so like if you could just guide the part to achieving the Affordable Housing area book?
There will be some repayments as well, right?
I had a couple of questions regarding the gold business. Firstly, I wanted to know that have we reduced any interest rate on gold loans recently? Additionally, I wanted to understand how are the recent trends post the lifting of the RBI ban ? And if you could just brief upon the strategy around how to scale up the gold business back to where it was as earlier ?. I am sorry if I may have missed the strategy related part.
Any initial trends which you are seeing like it's a very small period, but how has been the disbursement trends in October?