Questions across 5 calls

Vivek Ramakrishnan

DSP Mutual Funds

Nuvama Wealth Management Limited

Nuvama Wealth Management Limited CC-Jun25.pdf · 2025-08-14

Congratulations on a very good quarter, and there was a rating upgrade in the quarter also, which is excellent. What I wanted to ask you was on , whether there is any client concentration in revenues? Is there any top 5 clients account for a significant proportion of your revenues or profitability? And if so, if you can give us a number, that will be nothing like it. If so, what are you doing to reduce this concentration? That's my only question.

Yes, I needed it on a consolidated basis and your answer is completely okay. Wish you good luck.

Godawari Power And Ispat limited

Godawari Power And Ispat limited CC-Jun25.pdf · 2025-08-06

I had three questions. One, in terms of peak leverage, as you do your capex plans, you've been a debt-free company lately. So what would be the peak leverage? Two, when you set up the CRM complex, you'll be buying, I imagine, the hot -rolled coils from the market. Isn't that a very low-margin business? Or is it linked to your integrated steel plant plans? And three, on the battery storage, which in prior questions also came, is the technology flat? Or are you going to have any technological collaboration? These are my three questions, sir.

Sorry, it was on the cold-rolled mill, whether the fact that...

Redington Limited

Redington Limited CC-Mar25.pdf · 2025-05-20

Hi, good morning. Sorry, I joined the call a bit late. I have just one question. With all this tariff, what is going on, suppose there is a reduction in tariffs for electronic goods. Will that affect your inventory and would you have to take an inventory loss or do you have any kind of protection against that? That is my only question.

Okay, I understand that. But my question was also more in terms of accounting, because eventually, let's say they cut tariffs on something from 10% to 5%, or let's say there is a customs reduction, regardless of tariff wars, that means the inventory losses, how do you take it into , I mean, do you have to just write, you know, take the inventory loss on the books? Or there is some back to back that you have already talked to the manufacturer which might help protect you?

Redington Limited CC-Sep23.pdf · 2023-11-07

So, my questions are around in terms of working capital, and the fact that you are always vulnerable to high interest cost in the economy that will affect your profit after tax. In terms of working capital, last quarter we got the feeling that you were looking for market share gains, and you are pressing on in terms of business. Have you eased that off a little given the fact that the market conditions are not , are at least volatile if not deteriorating and what is the outlook going forward on working capital. That’s my only question sir.

IIFL Finance Limited

IIFL Finance Limited CC-Jun24.pdf · 2024-08-07

My question is on the microfinance portfolio only. The first question is that, besides elections, heat wave, and rains and so on, there's also been an incidence of over leveraging with customers, which you have pointed out. So, is there any kind of income shock with the customers that makes default will be a permanent one ? Because we have always had this other narrative that CIBIL scores are becoming more and more important when the customers pay back. So, that's question number one. And question number two, Venkatesh, you talked about some rule engines that get put in place. If you could give a little more detail on how that helps, that would be really useful. That's it from my side. Thank you.

The customer can be overleveraged and facing an income shock. But as far as I can see, there is no major income shock in the economy. I just wanted to know whether they eventually pay you back.