Stockrabit · Analysts
Questions across 2 calls

Maruk Adajania

Nuvama

Muthoot Finance Limited

Muthoot Finance Limited CC-Feb26.pdf · 2026-02-12
Congratulations. Sir, my first question is that our yields have been continuously rising, right, for the last four quarters. And so is it that the new customers who are coming in or the new loans that are being sanctioned are being sanctioned at higher rates? And if you could call out separately the interest on the recovery interest in the quarter, like last time you had said it was around INR300 crores. So what was it this quarter? That's my first question?
Okay. So around INR 624 crores, like INR500 crores from recovery and then INR24 crores from ARC and INR100 crores more, like that, right?
Muthoot Finance Limited CC-Mar24.pdf · 2024-05-30
Congratulations. Sir, I have a couple of questions. Firstly, if you could explain the movement in provision for this quarter and Stage 2 loans, because there was a sharp increase. So that's my first question. And sir, my second question is a bit of an exte nsion to what Digant asked that your AUM growth has been good and competitive intensity, especially in the last 4, 5 months has been quite low and there are reports that other than a private company, even PSU banks have been pulled up by FM and they've been asked to check their gold lending processes, etcetera. So the competitive intensity just now maybe the lowest in the last 2, 2.5 years. And say if -- I mean, if some private sector players get off their band and start relending, will that change in a big way? And will that impact our AUM growth? That's my seco nd question. And my third question related to AUM growth again is that a lot of growth has also come from gold price movement and tonnage and customer ads have contributed relatively lower compared to gold prices. So does that change? I'm not talking about gold prices, but does the customer acquisition change in a big way or tonnage assumptions change going forward? Because that is the basic driver of growth, right so?
Okay.