Questions across 3 calls

Shweta D

Elara

CREDITACCESS GRAMEEN LIMITED

CREDITACCESS GRAMEEN LIMITED CC-Jun25.pdf · 2025-07-22

Thank you, sir, for the opportunity. Sir , a couple of questions. So, the sanctions which you are holding around Rs. 3,000 odd crores and the pipeline of closer to 6, 500, can you provide the composition across JLG versus individual or retail finance loans? Second is, this Rs. 350 odd crores of provisions which have been made towards new PAR accretion, s o, again, here also if you can provide some color on the customer cohort. And lastly, while the employee attrition has been declining but can you just provide any color on any geographic related concentration here in terms of employee attrition?

Understood. Thank you so much.

SBFC Finance Limited

SBFC Finance Limited CC-Dec24.pdf · 2025-01-27

Sorry, even I joined late, so this might be a repeat question. Sir, you mentioned that the yields range now, at least in near to medium term, would be around 11% to 17% as against 20% plus on the higher side earlier. So, do we change our credit cost targets going forward? Like, now do you see the agreeable range could be closer to 1% or higher, one, in the near term given the glitches currently in the system; and two, across cycles? Thank you.

IIFL Finance Limited

IIFL Finance Limited CC-Sep24.pdf · 2024-10-24

You actually partially answered my question, but nonetheless, so in light of regulatory forbearance and RBI calling out on interest rates, so do we see repricing of our assets on microfinance side on the lower side? And alternatively, I think you answered this. On the gold loan side, are we going to stick to competitive rates because we have seen a slight drop in your yield? So, in the quest of growing the gold loan book, we are looking at keeping the rates competitive on the gold loan front.

Sir, just coming back to the MFI side, so I didn't imply you said it's rate or something which you are not confirming with the RBI norms, all I meant was are we looking at recalibration in interest rates further on our MFI?