My first question is on technology and digital platform that we have developed over the years. So, do you feel that there is further investment required on that front to make it more aligned with the industry requirement and to bring down debt and then also smoothen the overall functioning?
So, nothing major as such on the tech and digital side. The majority of our opex will be towards branch expansion and network expansion broadly, right?
Hi, sir. Thank you for giving me the opportunity. Sir, my question was pertaining to lending rate. So, what is our incremental lending rate in HL and MSME?
Got it. So, with the cost of fund benefit flowing in, what is our PLR strategy in the second half?
So my question was pertaining to your point where you said that there is some price competition that we are facing. Any color on any specific geographies where we are particularly facing this price-related competition?
Got it. And on the branches front, I wanted to understand when do we consider a branch as mature branch from the size perspective? And what percentag e of our branches are mature for us?
Thank you, sir for giving me the opportunity. S ir, my question is why have we moderated our growth in the supply chain financing? Is there anything that the regulator has indicated or anything of that side?
Got it, sir. Most of my other questions have been answered. Thank you and good luck for the next quarter.
Hi sir, thank you for giving me the opportunity. My que stion is on margin size. So you highlighted in the earlier comment that because of high liquidity on balance sheet that they impacted our margins. So what is the normalized liquidity as a percentage in balance sheet that we want to maintain going ahead and what basis point of impact was there in margin for this call?
Thank you sir.
Sir, my question was pertaining to yields again, could you please highlight the rate hikes that we would have taken in the last 3 to 6 months for CV and PV segment?
So, sir, what is our pricing in the new CV and used CV and PV segment currently?
Congrats on a good set of quarter. My questions were pertaining to LTV norm or other evidence. As per the new regulation, would we be required to maintain the 75% LTV throughout the loan tenure? Or will it be only applicable to, at the time of origination?
Sir, RBI recently had come out and said that you need to follow this set of rules, which were already prevailing. So just wanted a clarity that is it like 75% at the time o f origination or 75% throughout the loan tenure?
Just a question on margin front. So how do you see the margin trending for us for the second half in case of -- just wanted to understand that part.
But ma'am given the current situation, will we be to wards -- will we be near to the upper band side of it? Or there could be -- or it could be lower side of the band?
My question was pertaining to the rate hike that we had taken in Aug'24. Do you believe all of it would have been reflected in our pricing or in our yields now? Or w ill it still take some time for the repricing or for the impact on tenures to get reflected?
Got it. And the second question was on the leverage front. The leverage has been inching up for us in the last 12 months, 15 months' time period. What is the peak leverage that we have in mind up to which we would be comfortable with? And you would look at options like capital raise?
My question was pertaining to the cost of funds side, so incrementally what is the rate of interest rate getting on sanctioning by NHB?
So technically, we would have passed on that change to our customers as well, right?
My question pertains to the NHB sanctioned pipeline that we have, what can be draw n down in the second half of the year during -- I mean during FY'24?
So just wanted some comments or colour on where do we see the share of salaried customers stabilizing in the overall loan book?
Sir, my question was on how are the center meeting attendants trending in the month of October? And from the qualitative aspect side, is there a, like, how is the inherent will to repay the loan, that aspect being discussed with customers from your RMs or your senior RMs who are right now going at the ground level probably?
Just one last question. From these 27% centers which are relatively having higher delinquency, so which state would these be coming from or would be part of?
Just one question on the classification of states in terms of low risk, medium risk , and higher risk. So, have you seen any deterioration in this in the last quarter given that the PAR number in states like as you highlighted Rajasthan, Kerala, and Jharkhand has increased and also in the slide that we have given in the presentation, shows that even states like Bihar have elevated PAR 0 number? So, have you seen the risk classification changing for some of the key states for us?
So, there has been some movement is what you're trying to indicate but it is less on the state and more on the district side.
Hi sir good evening and congrats on a good set of numbers . Sir my first question was when we are entering a new state in fact in the last couple of years we have entered newer states like Bihar, Uttar Pradesh, even Rajasthan, Gujarat so what is the kind of new-to-credit ratio that we are seeing because these are not ou r vintage states per se. I wanted to understand what is the kind of new-to-credit ratio that we are seeing in these states and also what is the thought process on ramping up our operations in Andhra Pradesh and Telangana.
Sir the second question was like what is the thought proc ess in the sense that like currently we have added eight branches in A ndhra Pradesh and probably four branches in Telangana so from here on like how many more branches do we plan to add in these states say over the next 12 to 18 months time period is there thought process to sort of scale it up further?
So, my question pertains to gold loan disbursement. So , I think that number was not mentioned. So, if you can just say that for this quarter and for nine months FY24.
Okay. And coming back to the earlier participant's question on cost of fund. So , what is the overall cost of fund impact that we are likely to see because of the circular? That is question number one. And question number two is what is the overall impact on the capital adequacy because we also have vehicle loan as part of the portfoli o, so is there any impact on the capital adequacy of the same?