Stockrabit · Analysts
Questions across 2 calls

Rishi Maheshwari

AKSA Capital

Indian Railway Finance Corporation Limited

Indian Railway Finance Corporation Limited CC-Sep25.pdf · 2025-10-16
Thanks for taking my question. Congratulations on a good set of numbers. Just to understand, given the cost of deposit would be coming lower for you, is that the rate processing has already been done? Or do you think there is further scope of rates, which will come down and therefore, give any higher boost towards our NIM?
Sir, given that I'm trying to understand the risk elements over here outside the railway business, given that a large part of it is wholesale business that you're doing outside railways also. And there, the competition will be pretty stiff. Now with that i n mind, so far, there have been no delinquencies, and that's a remarkable thing. But given the future, given that you are moving into unchartered territory, how do you perceive delinquency stages coming about a year later or two years later? What is your opinion on that?

Tata Elxsi Limited

Tata Elxsi Limited CC-Dec24.pdf · 2025-01-09
Sir, just got off a call from TCS who mentions that the current quarter gives them significant hope of quick deal wins , low deal cycles , improvement in discretionary spend. And categorically speaking about how CY '25 is going to be much better than what we've seen in CY '24. Now from your commentary, we're not gathering the same confidence so far. I may have not been able to understand it in the same vein. I understand, 50% is automotive, and that is still reeling under some form of pressure. But having said that, you've also mentioned in your press release that the Japanese and emerging markets wins gives you enough confidence in the near term. So help us understand and reconcile that thought that this is one year where perhaps we're looking at single -digit growth itself. So what can accelerate this to a double-digit growth for, if not this year, at least the next year? Or what are you looking at? Are you sensing the same forms of market sense that TCS has been speaking of?
Sure. And just at the cost of reiteration, aside of the automobile, you mentioned that whether it's healthcare, whether it's media and communication, in those verticals, you've seen a distinct turnaround versus what we've seen in Q3. Am I right?