One 97 Communications Limited

rs,

as to what KPIs should better help you understand these things that you are asking for. As of numbers, they've been very linear, traditional sequentially and the previous lenders who have been continuin

60%

ok at? And of course, the related question is contribution margin is significantly improved now at 60%. Is this a sustainable level ideally we could look at going ahead and perhaps a bit more room to i

50%

ne on contribution margin, we are at 60%, as you noted. Last year, in the same quarter, we were at 50%, so significant improvement there. We have set high 50s, so we want to just leave some room for qu

15%

this is straight up EBITDA reported GAAP EBITDA. We do think that what we had said earlier about 15% to 20% EBITDA Margin over the next two, three years is still the number to drive towards. And that

20%

s straight up EBITDA reported GAAP EBITDA. We do think that what we had said earlier about 15% to 20% EBITDA Margin over the next two, three years is still the number to drive towards. And that seems

40%

per RBI guidelines. But I can tell you that that number is down, even that AUM number is down over 40%. So you can imagine that the new disbursements are significantly lower under DLG than before DLG.

Rs 561 Crore

har Sharma: So one of the important things you should know, if you read Financial Services Revenue Rs 561 Crores, it is overall, if you see quarter on quarter, and the number is, because of DLG not being there,

1.3 crore

POS machine? You mentioned this for the enterprise level merchants. And just broadly, out of your 1.3 crore devices, how much would be POS? Mr. Vijay Shekhar Sharma: The important thing is that we do not d

Rs 50,000

t. Both are independent. It was rather the small credit issue that exists in the market, less than Rs 50,000 credit due to that, and that is the only single KPI that materially matters to the lenders. There i

100%

ry in personal credit, both your PL and BNPL products could come back? Mr. Vijay Shekhar Sharma: 100%. I mean, I personally love the product, and I'm personally a champion of it. And like you said, wh

78%

av Gundlapalle: Understood. Just to clarify, if you look at the RBI disclosures, PPPL had almost a 78% market share in what at least RBI calls as POS machines. Is it safe to assume that the market share

3 bps

addition, POS device addition has been pretty strong. And if the net payment margins are north of 3 bps, is there a decline in the yields for the devices, QoQ? Mr. Vijay Shekhar Sharma: UPI volume is