Stockrabit · Analysts
Questions across 15 calls

Shailesh Kanani

Centrum Broking

RBL Bank Limited

RBL Bank Limited CC-Mar25.pdf · 2025-04-25
A couple of data keeping questions. On the wholesale book front, if you can give the rating breakup, A, better; BBB and BB, below?
No material. Okay. Second question on the continuation with respect to opex. We earlier have been alluding that business acquisition cost would kind of come down as we kind of increase the productivity on the branch front. I understand that also includes the collection in the line item disclosure, but have you seen any material change in business acquisition cost? Any decline we have seen in the recent times?
RBL Bank Limited CC-Sep24.pdf · 2024-10-19
Thanks for the opportunity. My other questions are answered. Just one question from my side. Sir, in wholesale yields there has been a s equential drop by around 2 bps a nd year-on-year as well it has remained flattish in spite of we concentrating on mid corporates and SMEs. So where can we -- when can we see some uptick on the wholesale side in terms of yields?
Yes. So the reason I was asking is because our commentary in the past has been that there will be some improvement as we're concentrating at lower ticket sizes. So, I was just wondering when we can expect that?

Balrampur Chini Mills Limited

Balrampur Chini Mills Limited CC-Jun25.pdf · 2025-08-13
Congratulations on the performance, even though it was a low crushing quarter this time around. My question is, in our PPT, we have mentioned that the utilization rate of production capacity in bioplastic worldwide is 58%. So, that number seems to be a little bit on the lower side. So, can you highlight top reasons for the same and how our facility would be a little bit different? how are we going to tackle those hurdles?
Fair enough. Just one clarification in your opening remarks. Ma’am, you said that we said that we would be 50% utilization within the first year. So, I assume that is 12 months, not that financial year FY27, right?
Balrampur Chini Mills Limited CC-Dec24.pdf · 2025-02-10
My first question was regarding to something mention ed in the PPT about PLA, wherein it was stated that the imports for analysis and product development by compounders and converters have already begun. Additionally, we have also mentioned that we will be exploring alternative feedstocks such as rice and corn stock for future expansion. Could we elaborate and provide more details on this?
Okay. So, the way I understand is that, so our PLA facility would be fungible and only the pretreatment of the feedstock would be something which would be needed, and the rest part of converting fermentation and lactic acid to PLA is something which can be done for the current facility only. Is that understanding right?
Balrampur Chini Mills Limited CC-Dec23.pdf · 2024-02-21
So, I have two, three questions. One is that who is the technology partner we have selected for this project and whether that provider would be giving the technology in pieces or as a whole? Second is that you alluded to the budgetary announcement. So, what kind of budgetary support are we looking at, any immediate we are looking for this project from the government side ? And my third question would be, there are some international companies who are into this bioplastics business. So, they are into losses, how does our unit economics stand against them on profitability front?
So, if I can just revert, as you rightly said, there are not many listed players , so I was looking at one of the listed players, Danimer Scientific, which is in US, but it is into both the products, that is PLA and PHA. So, they are into losses so I was referring to those numbers. You are right.
Balrampur Chini Mills Limited CC-Sep23.pdf · 2023-11-08
Congratulations for good set of numbers for the quarter. My couple of questions. One is with respect to growth front. On growth, has just been more than 1 year when we had completed our last capex plans on this very front. And I know we are doing a minor capex for 2,000 TCD on the sugar front. But any plans for future all ocation of expected cash generation, if you can throw some light on that?
Okay. So, nothing as such concrete on the drawing board. Is there any scope since we are expanding our command area as well and so we are banking that ability of cane is on a rise. So, is there a scope for further expansion on the distillery front?

IDFC First Bank Limited

IDFC First Bank Limited CC-Sep25.pdf · 2025-10-18
Sir, my question was on Slide 65, where the cost -of-income ratio on the asset side has been a little sticky. So for last 3 years, it is on the upward trajectory. So just wanted to understand reasons for that and any levers for improvement on that front? And on the second part of my question was on credit cards. Credit cards has seen a very sharp improvement in terms of cost to income. So what drives that, if you can highlight that?
Sir just to clarify that. But that is fine for first half FY '26. But what I was trying to understand is that since FY '23, if you see that number, it has been kind of inching up from 52.7% to say, around 56% in FY '25 as well. So just wanted to understand in general.

Aptus Value Housing Finance India Limited

Aptus Value Housing Finance India Limited CC-Jun25.pdf · 2025-08-01
Congratulations, sir, for a great set of numbers considering the macro environment. Sir, two questions from my side. One is on asset quality. We have been hearing from a lot of lenders about specific geographies like Andhra, Tamil Nadu. If you can throw some color in terms of any pockets or any region specific where we are seeing any pain points. We also highlighted that we have strengthened the collection team. If you can highlight something on that front. And second, Anandan sir talked about adding talent. If you can throw some color, some more depth into how we are seeing the kind of growth we are posting, so how we are trying to build up the management team.
That is very helpful. So the collection team is business as usual as we are growing, that is the addition what we are doing, right? Is that a fair understanding?

Shriram Finance Limited

SBFC Finance Limited