Canara Bank Ltd Q2 2025 Earnings Call Transcript

The following is excerpted from the question-and-answer section of the transcript.

Question: Mona Khetan - Dolat Capital Market Pvt Ltd. - Analyst : Yeah. Hi, sir. Good evening and congratulations on a good quarter. Firstly, on the growth bit. So if I look at the sequential growth, the retail book grew by about 12% Q on Q. So just wanted to understand, where is this growth coming from because if I look at both home loan and vehicle portfolios, which are bigger parts, they have only grown by 3% and larger part has come from other [pl] book as per slide 29. So yeah, where is this growth coming from?

Question: Mona Khetan - Dolat Capital Market Pvt Ltd. - Analyst : So where does this gold book stand as on September?

Question: Mona Khetan - Dolat Capital Market Pvt Ltd. - Analyst : Okay. And this was about INR19,000 crores last quarter, if I'm correct.

Question: Mona Khetan - Dolat Capital Market Pvt Ltd. - Analyst : Okay. Okay. And this other deal also includes education loan if I'm correct.

Question: Mona Khetan - Dolat Capital Market Pvt Ltd. - Analyst : So how large are these books, education and mortgage loan if you could share.

Question: Mona Khetan - Dolat Capital Market Pvt Ltd. - Analyst : Got it, got it. And so mainly the growth is coming from the gold product introduced in metro cities.

Question: Mona Khetan - Dolat Capital Market Pvt Ltd. - Analyst : Got it. And what would be the yield in this particular product which is introduced in metro cities?

Question: Mona Khetan - Dolat Capital Market Pvt Ltd. - Analyst : Okay. Got it.