Can Fin Homes Limited CC-Sep24.pdf · 2024-10-23
My first question is on the increase seen in SMA -0 and one particularly in Q2. So, Q1 was understandable but Q2 we have seen even higher increase in S MA-0 and 1. It also indicates collection drop at the first place. So, just wanted to understand why it happened and is it also in some way linked to, I mean were these accounts more on the side of self-employed home loan or LAP? And if you can comment about the reversibility of this increase in the coming quarters.
And also, what explained that were able to hold on the portfolio yield. So, firstly if we can give out incremental lending rates in salaried home loan , self-employed home loans and LAP on a blended basis. What is the incremental lending rate here? And is there any other factor besides the product mix which is supporting yield as well on the portfolio basis?