Five-Star Business Finance Limited CC-May26.pdf · 2026-04-29
Hi, sir, thanks for taking my question. My first question was on our AUM outlook for the next year. So, from the current year, if we want to, I understand that there's a low base, and therefore, we are confident of achieving the 20% growth. But if we look at disbursement, sir, we've only improved our disbursements sequentially. Before that , we were declining our disbursements because of the stress that we saw on asset quality. Also, sir, we've seen the GNPA ratio increasing for the past several quarters. So, do you look at it in this way that we'll go for higher disbursements to achieve that 20% growth only after you see some early indicators for the GNPA ratio decreasing, or it won't be contingent on that aspect, sir?
Understood, sir. Thanks. And sir, my second question was on our opex outlook for this year. So, what plans do we hold in terms of an increase in headcount and branch expansion for FY27? And if there'll be a breakup in terms of Tier 1, Tier 2, etc., towns for the branch expansion, that will be helpful?