Home First Finance Company India Limited CC-Jan26.pdf · 2026-01-23
Good evening. Congrats on good performance. So, my first question is on Tamil Nadu. I think you spoke in the initial remarks that the team is in gate now. So, where do you expect the productivity from the team to come through? And can you also comment about the competitive intensity impacting the volume recovery out there? And are you also budgeting that in FY27, disbursement in Tamil Nadu would outgrow that of the company?
And Manoj, were there any underwriting changes done across markets because of the difficult macro that we saw? And can such changes be released, giving you better approval rates or helping you in recovering your disbursement volumes in FY27?