Sarvesh Gupta

“Sir, on the fee income, we saw some moderation in quarter two despite disbursements going up. And on a year-on-year basis, I think it is still flat. So, how do we see our fee income going forward?”

“So, sir, first question on the NIM side. So, basically, now you will have two opposing forces. One is because you are growing at 20% plus, so you will have to go for more term deposits because CASA probably cannot grow beyond mid-teens.”

“Sir, thank you for giving the opportunity. I have two questions. So, one is on EAAA wherein you meant, I think, a participant mentioned that the yields have actually moved up from 2% to almost 3%.”

“The EBITDA growth was driven by volume growth, reduction in low-margin clients during the previous year, and effective management of operating costs.”

“So, sir, first question is that, you know, last year when we had given the guidance for FY26, initially we were resuming 15-20% growth. Then it was subsequently downgraded to 5% and we ended the year with a 20% down in terms of revenues.”