SBI Cards and Payment Services Ltd Q4 2023 Earnings Call Transcript

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

Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst : To understand the major slippages that have happened in this quarter. What is the vintage of the customer? And is it coming from salaried or self-employed some kind of both? Second is that, if you look at the originations, they have picked up in a self-employed category in the last 2 or 3 quarters. So if you can touch upon what is the customer profile of these customers? And what is the origination channel for this? And lastly, if you could share some guidance on NIMs and cost of funds for FY '24?

Question: Rohan Mandora - Equirus Securities Private Limited, Research Division - Analyst : Sure. So just on a follow-up on the first reply. The earlier vintage customers where we're seeing delinquencies. Are these prepandemic originations, just to confirm? And also on the self-employed originations, if you can just touch upon. That question is pending.

Question: Piran Engineer - CLSA Limited, Research Division - Analyst : Just 1 data question on -- like if you can share how many rental transactions happened on your platform over the last 3 months. And just to clarify on this instant-based fees of roughly INR 830 crores. Is there any one-off, any element of seasonality? or any reason why it should dip next quarter if spends don't dip?

Question: Piran Engineer - CLSA Limited, Research Division - Analyst : Okay, okay. Fair enough. And on the next thing on instance-based fee?