The following is excerpted from the question-and-answer section of the transcript.
(Questions from industry analysts are provided in full, but answers are omitted - download the transcript to see the full question-and-answer session)
Question: Shreepal Doshi - Equirus Securities Private Limited, Research Division - Analyst
: And congrats on a good set of numbers. And sir, I must appreciate the details in the presentation, a very detailed presentation. Sir, my first -- hello?
Question: Shreepal Doshi - Equirus Securities Private Limited, Research Division - Analyst
: Hello.
Question: Shreepal Doshi - Equirus Securities Private Limited, Research Division - Analyst
: Yes, yes. Can you hear me?
Question: Shreepal Doshi - Equirus Securities Private Limited, Research Division - Analyst
: Congrats on good set of numbers, and I wanted to appreciate for the detailed presentation. Sir, the first question was pertaining to the yield. So
while as you explained that the repricing has benefited us on the wheel side and incrementally the INR 6,000 crores of portfolio, which will get
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OCTOBER 18, 2023 / 9:30AM, CNFH.NS - Q2 2024 Can Fin Homes Ltd Earnings Call
repriced for 35 basis point of rate hike, the last one that you had taken. So is there anything additional other than that, that is benefiting us on the
yield side? What -- I also wanted to understand our incremental lending rate that we have.
Question: Shreepal Doshi - Equirus Securities Private Limited, Research Division - Analyst
: Okay. Okay. Sir, just second question was on the GNPA front. So we've seen an increase in our numbers, while I understand some of it would be
from the event that happened during the last quarter, and in some of it would be from the slippages from the restructured book, as you highlighted.
But I suppose there is still a part portion of our restructured book, which will be coming out of moratorium? Because you had highlighted that in
August, a majority of it will come out. And by November, all of it will be out. So how do you see the GNPA moving from here on? And was there
any other big slippage during the quarter?
Question: Shreepal Doshi - Equirus Securities Private Limited, Research Division - Analyst
: Got it sir, got it.
Question: Bhuvnesh Garg - Investec Bank plc, Research Division - Analyst
: Sir, I have a question regarding the RBI guidelines on change in EMI or increasing the tenure, the guidelines, which were issued in August. I just
want to understand the impact of like how we used to do it earlier and what has changed after the guideline. Yes, that's my question.
Question: Bhuvnesh Garg - Investec Bank plc, Research Division - Analyst
: Okay. So would you be able to quantify that, how much that impact of penal interest would be there?
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OCTOBER 18, 2023 / 9:30AM, CNFH.NS - Q2 2024 Can Fin Homes Ltd Earnings Call
Question: Bhuvnesh Garg - Investec Bank plc, Research Division - Analyst
: Okay. Okay. And sir, if you can provide the breakup of customer base in terms of how many of your customers haven't seen any change in EMI, also
have only seen increase in tenure over -- since the rates have been increasing and say, how much percentage of customers have seen, say, 10%
increase?
Question: Bhuvnesh Garg - Investec Bank plc, Research Division - Analyst
: Okay. And is there any change in the customer behavior post RBI guidelines that whether the customers are actively asking for increasing the EMI
or increasing the tenure? Is there any change in customer behavior?
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