Stockrabit · Analysts
Questions across 2 calls

Sujit Jain

Bajaj Allianz Life Insurance

Devyani International Limited

Devyani International Limited CC-Jun25.pdf · 2025-08-13
This is to Mr. Jaipuria, and these are not quarter-related questions. A few points. Our categories are urban-centric, so that brings cyclicity. When urban is in a slowdown, we also slowdown. We don't have an answer to the entire industry except Jubilant to 20-minute delivery, which has worked for them. For us to even think about something like that, maybe we need to get our store economics right before we start thinking of adding an additional expenditure line. The third thing is that if I look at 9 to 10 quarters, the SSSG has been negative to flat, whereas the like -to-like for someone like Jubilant has been positive. So, there is at least one player that has done better in the industry. And the 4th thing is some of the categories that you have entered, there's a regional variation such as in biryani. And for example, when I tasted at Vaango, because of the batter that will change locally from place to place, there's a limited standardization you can do. So, how do you address that?
Yes, the 20-minute delivery.

Go Digit General Insurance Limited

Go Digit General Insurance Limited CC-Jun24.pdf · 2024-07-26
Yeah, compliments on a good set of numbers. A few one -liners if you can give. If we look at our size versus the industry leader who has also reported numbers, these are roughly four times our growth rates are similar. So could the growth rate be higher? Improvement in car this time has come from expense ratio. So how sustainable this is? The improvement in expense ratio, Q and Q from 12.8% to 9.6%, how much of that is because of leverage and how much of that is because of managing costs better and therefore likely to sustain? And finally, you explained some bit of it in terms of our equity exposure, but yield on investment has fallen QoQ from the investment yield from 7.3% to 6.8%, if you can explain that. Thank you.
So basically, can we grow at a higher rate? Their GWP is four times ours.