Bajaj Housing Finance Limited CC-Feb26.pdf · 2026-02-02
Good evening to the team. I have two questions. My first question to Mr. Jain is, as housing finance market remains competitive, how does the management think about balancing growth opportunities with underwriting disciplines across core products like home loans and LAP? What changes in borrower behavior or portfolio performance would prompt you to become more selective or adjust the growth priority? Any color on how you make these decisions internally? Just want to understand that. That is my first question. I will ask my second question after this. Thank you.
It's a very good answer. My second question to Mr. Kalani is, along the similar lines only, beyond the reported asset quality and capital metrics, what are the key indicators you track internally, such as customer repayment patterns, portfolio assessment or funding behavior that help you assess credit risk and balance sheet health ahead of what shows up on the numbers. Just want to understand a view on this, how you handle this particular issue.