Param Subramanian

Analyst

Investec

Equibles does not estimate personal net worth.

About Param Subramanian

Param Subramanian is recorded as Analyst at Investec. Param Subramanian has spoken on 7 earnings calls across 6 companies, most recently for IDFC First Bank Limited on October 24, 2026. Those appearances were for Union Bank of India, IDFC First Bank Limited, Punjab National Bank, Canara Bank, DCB Bank Limited and 1 other company. The companies whose calls Param Subramanian spoke on are classified in the Financial Services sector.

Param Subramanian on recent calls

“Sir, firstly, the question, the slide that you have given, slide 4, which you discussed also, where you are talking about your incremental cost to income of 55%.”

Analyst — Investec, Earnings Call for the Quarter Ended September 30, 2026 · October 24, 2026

“Sir, just wanted to understand on Pertland PSNC fees, why is there no PSNC fee in this quarter? Because we understand, I think, some of the large private banks are still putting big shortfalls in PSN, so the opportunity is there.”

Analyst — Investec, Earnings Call for the Quarter Ended September 30, 2026 · October 19, 2026

“So, my question is on the provisioning for the quarter. Sir, the provisioning is only 97 crore, while you have shown the NPA provision is 817 crore. So, what is the balance, sir, which is the negative number?”

Analyst — Investec, Earnings Call for the Quarter Ended September 30, 2026 · October 16, 2026

“Your AFS reserve from minus 800 crore, I think, as of last quarter, where is it now, broadly?”

Analyst — Investec, Earnings Call for the Quarter Ended June 30, 2026 · July 15, 2026

“Firstly, on the advances growth guidance that you've given of 11 to 12 percent, so we have closed this year with 15 plus. So any reason we are calling for a moderation in the credit growth next year?”

Analyst — Investec, Earnings Call for the Quarter Ended March 31, 2026 · May 11, 2026