So my first question was on microfinance. So, could you please share the par 0 number and also a data point wherein Asirvad plus co-lenders sort of a number for us in the book?
Sorry, ma'am, I didn't get it.
Questions across 31 calls
Shreepal Doshi
Equirus
Manappuram Finance Limited
Hi, sir. Good evening and thank you for giving me the opportunity. Sir my question was pertaining to one of the key players in the landscape being impacted by the regulator ’s action. But can you quantify the benefit to us in terms of customer addition and tonnage, because optically, it seems like there has not been any significant benefit on both these fronts?
Second question was if you could give us some color on the online customer split with respect to below INR1 lakh...
REC Limited
Congratulations on a decent quarter. So my first question was on sanction pipeline. So what is the cumulative sanction pipeline in the Renewable Energy and in the Infrastructure Project segment?
Got it. Got it, sir. That's helpful. Sir, the other question was, last quarter, we had highlighted about this account in Andhra Pradesh, which was seeing some issue. So is the cash flow now back to normalcy? Or have you seen any improvement there?
Can Fin Homes Limited
My question was on pricing and margins. So , it's given the portfolio mix marginally shifting towards better yielding and also there might be some possibility of p ortfolio repricing. So, do you believe that we can actually do a better margin this year than last year?
And the second just on this SMA -1 and 2 pool. So, as you highlighted that it is not much of a concern but because typically what we see that from 1Q and 2Q the seasonality sort of moderates and collections start to improve. But despite that this quarter has also not seen that. So, what are the aspects that you are seeing which is giving you comfort that in 3Q we will be able to sort of recover these accounts.
The question was pertaining to the sharp increase in cost of fund and the impact on the margins, which is the same. So I mean, what led to the increase in cost of fund? And how do you see it trending for the rest of the year now?
Sir, just one bit on the NHB front, so why did we not go for that raising funds to NHB? Like were we exhausted with our limits or what was the reason? And just one follow -up there. You said that you are expecting in the budget on something on the affordable housing fund side, so some color if you could give here on this front.
Congrats on good set of numbers, and I wanted to appreciate for the detailed presentation. Sir, the first question was pertaining to the yield. So while as you explained that the repricing has benefited us on the wheel side and incrementally the INR6,000 crores of portfolio, which will get repriced for 35 basis point of rate hike, the last one that you had taken. So is there anything additional other than that, that is benefiting u s on the yield side? What -- I also wanted to understand our incremental lending rate that we have.
Okay. Okay. Sir, just second question was on the GNPA front. So we've seen an increase in our numbers, while I understand some of it would be from the event that happened during the last quarter, and in some of it would be from the slippages from the restructured book, as you highlighted. But I suppose there is still a part portion of our restructured book, wh ich will be coming out of moratorium? Because you had highlighted that in August, a majority of it will come out. And by November, all of it will be out. So how do you see the GNPA moving from here on? And was there any other big slippage during the quarter?
Home First Finance Company India Limited
My question was on capital adequacy. So, tier-one has dropped by almost 380 basis points sequentially. What explains this decline?
The other question was on the technology front. So, while we aspire to grow our book at 30% incrementally and also expand our reach in terms of branches, how well are we placed in technology front or do we further need tech-related capex in the coming years?
Aavas Financiers Limited
Hi, sir. Good evening and thank you for giving me the opportunity. So, my first question was on business momentum and particularly on disbursements. So, the run rate has come off materially from the 4Q levels and within housing, the degrowth is even higher. While I understand that 1Q tends to be soft, but what is it that led to this lower disbursements during the quarter?
So, sir, if we have to look at it from a different angle on a yearly basis, what sort of disbursements we are targeting and how do you see it shaping up over the quarters?
Congrats on a good set of numbers. My first question was pertaining to lending rates. So, have you taken any rate hike during the last quarter?
Secondly on the same lines, are we seeing in states like UP, Uttarakhand, relatively better lending rates that we are able to get versus states like probably in the western side or in the southern side?
CREDITACCESS GRAMEEN LIMITED
Sir, my question was firstly on this decline in the marginal cost of borrowing. So, what is it that is helping us on the cost of funds, sir?
Sir, one question pertaining to pricing and linking it with your earlier commentary on states like say high risk and medium risk, so what is our pricing in say high-risk states and medium risk states versus Karnataka, that was question number one ? And question number two was pertaining to asset quality again. So, on that front, if you look at the AUM per loan officer has been increasing, so is that a reason or could that be a reason that could explain this deterioration in the high-risk state and also if you could highlight the attendance in the high -risk states and the attrition in the high-risk states?
Muthoot Finance Limited
So, my first question was pertaining to the new customer acquisition run rate. So, what is it that we have in mind or that we are targeting in order to add on a monthly basis in the new customer acquisition landscape?
So, s ir, just a follow -up question on that. Have we tried to relook at or revisit the key responsibility area of our employees so that this momentum on new customer acquisition can also be sort of improved, or the leakage that we have of the customer in terms o f renewal of or maturity of loans that can be curtailed? So , have we looked at or revisited the KRAs of our employees?