Sir, just wanted to have your explanation for the amount which is appearing in provision and written off as a line item there. It has increased significantly in the current quarter. What is the reason behind it? Because I guess we still don't have any NPA in our books.
I am saying, so these are standard asset provisions, basically.
Sir we have a sanction and I think our annual target is to disburse around INR30,000 crores. You have witnessed so far we have disbursed INR2,500. So sir how do we...
Can you hear me now, sir.
Sir, I just wanted to know for FY '26, how should we look at our disbursement number as well as, you know, how should we look at the AUM growth? And secondly, sir, I heard that now we'll be moving from one customer today. It used to be only IRFC -- Indian Railways and now we are moving to the other set of customers also. So do our articles and memorandu ms permit us to go into non -rail link financing also as in like if you want to do other kind of financing, which is not linked to the rail? Is that also -- is that option also available to us, sir?
So do we -- just a follow-up, do we expect our AUM increase next year or again, because of the rundown of the existing loan in spite of the additional disbursement, our AUM will decline?
Hi, Since the last two budgets there has been no allocation on the Railway side, what are your expectations from this budget? And should we expect no allocations, or do you expect things to change in this budget?
Ok, so, as of now there has been no communication from the government's side?
Hi. Thanks for the opportunity. Just wanted to ask the fund raise that you're doing that would be used for inorganic as well as organic purposes ? If we do an inorganic sort of a thing, would it be related to the current lines of businesses or can it be in a completely different area?
Okay. And I mean, are we comfortable doing, let's say, only some bolt -on sort of an acquisition or are we comfortable doing some large ticket acquisition as well?
My question is in regard to the discussion that we are having on loan growth only. I understand that now we are talking about the focus on profitable loan growth. In that context, where should we see our FY '26 and FY '27 loan growth? I guess earlier we were targeting somewhere 12% to 15%. So , obviously, we will be having a loan growth plan. So , where do we see that? And within that, how do we see the Retail loan growth? Because I guess that has been pretty low at 2.5% Y-o-Y.
So, just to reconfirm, you are saying double-digit loan growth with Retail growing somewhere around 4.5%, 5%.
My question is I'm assuming right now all the expenses relating to your lithium -ion plants are getting capitalized. So by when do they start, let's say, flowing into the P&L segment and what kind of an impact could it have in the interim period this becomes fully utilized?
When do they start sort of getting completed and starting growing in the...
Sir, my first question is with regard to the SMA book for the EEB portfolio. If I'm looking at West Bengal, this quarter, we are seeing a slight increase there in the SMA -0 bucket. So what can be the particular reason behind that? And also considering the fact, in the month of April, there have been some disturbances in some districts of West Bengal. So how adversely has it further been affected by it?
Sir, the trend we are seeing in the current month because of some -- there were some media reports that in some districts there were some kind of disturbances. So any effect it is having on our collection efficiency?
So my question is on Catering segment. The margins there have been pretty volatile quarter - over-quarter. Can you tell us -- can you help us with the steady state margin for this business? I think you mentioned 14% to 20% as a band, which is pretty wide. So what really caused such a big volatility in the Catering margin? And secondly, there were some pending cases, I think, regarding previous tariff hike that was going on, what is the status for those of them?
My second question was regarding the pending cases regarding previous tariff hike. Some of them, if I remember correctly, were still to be decided and were sub -judice. What is the status of them?
I just wanted to know if you are looking at the different segments in which we are operating, the overall NPA has increased in all the segments apart from the MFI. Is it purely because of the fact that we have written off the portfolio?
Is it principally like, obviously not asking for the figures, but principally, had we not written the portfolios in MFI? The NPA would have been slightly higher than what we have reported?
I just wanted to have a view on the expansion plan. You said that the Board is looking into it and maybe in couple of quarters, it will come into effect. Have you said that, is it likely that the 75 million tons target of FY '27 is likely to push back because I think it already has to start soon if we want to achieve that timeline. So how do you look at that, sir?
Yes, hi. Good evening, sir. I have a further question on the growth guidance that you're talking about. I think you said we will be somewhere in near to double digit. So that means that we have to effectively get a growth rate of 8% to 9% in this quarter, which seems very difficult and which seems very optimistic considering the fact that past three quarters, it has been a negative growth to a very low single-digit growth of 2% to 3%. So what makes us optimistic about achieving that 8%, 9% growth also? And how has been the progress in the month of January, so as to get in comfort on this number?
Sir, just one thing. Actually, in Q2 also, we had this guidance of a double digit, I think, 12% to 14%. And in between, there were some media article which said that the growth is going to come down to a very low single digit of 1% or 2%. But I think the company clarified that we are sticking back to the original guidance. And I think that clarification came somewhere in the mid of December. So if in December, it was being said that 12% to 14% is the original to which we are sticking…
Sir, I have two questions for you. First one is regarding the overall loan growth, sir. I heard that you said that the system issues have now been resolved and the book is now going to grow a t a good pace. So sir, in this situation, should we -- are we going to stick to our guidance of 12% to 15%?
Okay. Because I think that the ask rate now for the remaining 6 months is going to be almost like 5% per quarter that we need to grow. So we are confident of seeing that number.