Stockrabit · Analysts
Questions across 5 calls

Shubhranshu Mishra

Philip Capital

Tata Capital Limited

Tata Capital Limited CC-Jan26.pdf · 2025-12-31
Hi, good evening. Three questions. The first one is what is the FEMI rates in personal loans and business loans?
First EMI bounce rates. The second is on the housing piece. What is the LTV and the FOI R on prime, near prime and affordable? And the third is when we talk about the transformation in Tata Motors, sorry, the Motor Finance, my bad. The used vehicle presently that we have is of Tata Motors vintage and when we are talking about new OEMs, non -Tata OEMs, this would be in commercial vehicles as well as passenger vehicles. That's a little hazy if you can speak about the Motor Finance transition in these two aspects. It will be really great. Thanks.

HDB Financial Services Limited

HDB Financial Services Limited CC-Oct25.pdf · 2025-10-15
Hi, thanks for the opportunity. So, quickly on the climatic change impacting our book. Climatic change today is a reality. So, are we providing additionally for this and because even the climate change can be predicted to a certain extent. So, and this should be a seasonal thing. So, anything more to eat into the asset quality and what should be a sustainable credit cost that we s hould punch into our models? Also, if you can spell out the PD and LGD assumptions for the C V piece. Thanks.
What would be blended PD-LGD, if you could please call that out for the CV book?

SBFC Finance Limited

SBI Cards and Payment Services Limited

SBI Cards and Payment Services Limited CC-Mar24.pdf · 2024-04-26
So, when I look at the job openings on SBI Cards websites, I think almost 50% -50% of the job openings are either for recoveries or collections. Is this because of heightened delinquencies, a sticky delinquency of very high churn and those deals that's the first. Second is also around credit cost, I think has been much spoken about it. We are speaking of close to 7% kind of credit cost in our credit card business where we get so much of data in one spend versus say when we look at other business models like microfinance where there are hordes of new to credit customers and we get a slightly lower cre dit cost of similar credit cost and the quality of customers also would be different based of the income levels. So how do we compare these two business models , microfinance and credit cost a nd the demographic cohort should also be different and it's just a bit overwhelming to get similar kind of credit cost?
Sir, second question is why our credit cost is comparable to a microfinance business where the income level and demographics cohorts is inferior to the income level than the demo graphics that we offer. And there will be a lot more new to credit customers in the microfinance business system?

IDFC First Bank Limited

IDFC First Bank Limited CC-Dec23.pdf · 2024-01-20
Hi, good evening. Thank you for the opportunity. Two or three questions. The first one is around the personal loans. I just wanted to understand the run rate of personal loans that we originate from various fintechs and the level of FLDG that we do from t hese fintechs. My fair understanding is that a lot of lending partners do slightly above 5% or maybe above 5% which is the mandated requirement of FLDG? The second is on the vehicle finance. If we can give out the split of a car finance, new car finance and used car finance and the outlook for the industrial search and our own growth estimates in FY 25. These are my two questions. Thanks.
Thank you for that. If I can just squeeze in one last question in terms of fintechs. When we on - board a customer onto our balance sheet when we are taking the risk, that customer permanently becomes ours. What I mean by that is that once it is on-boarded to our balance sheet, it is only we who own the customer in terms of any kind of cross-sell, up-sell of credit, non-credit products. So the fintech through which it was originated can also do any kind of cross-sell, up-sell as well?