Indian Railway Finance Corporation · tone and specificity signals across the available quarters.
Language signals
We are very comfortable at 8%. Others were never lending at 8%. So beneficiary is a country as a whole. The kind of low overhead cost that it is maintaining and transferring the benefit to the customers every other competitor or the sibling in the ecosystem are forced to do bring in that efficiency otherwise their margin will have an impact. My margin will not have an impact.
We ended up last year at 4.84 lakh crores and whatever retention payment will come back from railways that will always be deducted from the net of AUM but whatever we'll disperse this time will be more than that and we'll be hoping to catch around five lakh crores by the end of the year that guidance remains intact.
We are again reiterating everybody is playing on the turf of IRFC now.
We have already surpassed our guidance given for sanction of assets, our disbursement picked up in quarter 3 and we have almost done 3/4 of what we said for ourselves for 30,000 crore.
Our strike rate is more than 60% in whatever bids we have participated.
We are looking forward to a borrowing mix which is cheaper than the G-Sec rate; this is what at IRFC we are aiming for.
Zero NPA is not a status symbol for this company, it is a business proposition.
We are not participating into high-risk high reward assets. We are participating into assets which are highly rated A class A plus double AAA also.
We have given us a target that my NIM for FY27 should grow minimum 10%.