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
: Congrats on a good set of numbers. Sir, my question was pertaining to yields again. Could you please highlight the rate hikes that we would have
taken in the last 3 to 6 months for CV and PV segment?
Question: Shreepal Doshi - Equirus Securities Private Limited, Research Division - Analyst
: Okay. So sir, what is our pricing in the new CV and UCV and PV segment currently?
Question: Shreepal Doshi - Equirus Securities Private Limited, Research Division - Analyst
: And MSME?
Question: Shreepal Doshi - Equirus Securities Private Limited, Research Division - Analyst
: Got it. Got it. Sir, so...
Question: Shreepal Doshi - Equirus Securities Private Limited, Research Division - Analyst
: Right, right. Sir, just on margin guidance front. So we were earlier anticipating that for the year-end, we would see 8.5% margin. But with this
liquidity related change in approach, like we've brought down the liquidity on balance sheet as well as a change in product mix. So where do we
see the margin moving for the year-end?
Question: Shreepal Doshi - Equirus Securities Private Limited, Research Division - Analyst
: Okay. Okay. And sir, just last question. During this quarter, we've added 5,000 employees. So is that -- is it onboarding of new employees only? Or
is there anything else?
Question: Shreepal Doshi - Equirus Securities Private Limited, Research Division - Analyst
: As in from the fresh employee...
Question: Shreepal Doshi - Equirus Securities Private Limited, Research Division - Analyst
: Okay. For sales through. Okay. Got it. And good luck for the next quarter.
Question: Piran Engineer - CLSA Limited, Research Division - Analyst
: Congrats on the quarter. Firstly, I just wanted to understand that we've added 5,000 employees this quarter, but our employee OpEx is absolutely
stable. So any one-offs, either last quarter or this quarter?
Question: Piran Engineer - CLSA Limited, Research Division - Analyst
: Okay. Sir, can you remind us how much that amount was?
Question: Piran Engineer - CLSA Limited, Research Division - Analyst
: Okay. Okay, sure. Secondly, just getting back to personal loans, I wanted to understand whether we started cross-selling it to Shriram Transport's
customer? Or it's still within the customer ecosystem?
Question: Piran Engineer - CLSA Limited, Research Division - Analyst
: But we intend to or that those 50 lakh, 75 lakh customers are out?
Question: Piran Engineer - CLSA Limited, Research Division - Analyst
: Got it. Got it. And just sir, lastly, on the same thing because a lot of our PL customers are ex 2-wheeler customers. But when I noticed our PL GNPAs
are higher than 2-wheelers. So what would explain that? Like a repeat customer having a higher delinquency than a new customer?
Question: Piran Engineer - CLSA Limited, Research Division - Analyst
: Sorry -- Sir, you've gone...
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