The disbursement in the used vehicle segment is

canada goose Revenue from operations also increased sharply by 24.4 percent to Rs 2,289.06 crore during the quarter, against Rs 1,840.28 crore in the corresponding quarter last fiscal. The commercial vehicle segment continues to remain under stress and management expects it to continue for 8 to 9 months.The operating cost increased on account of increased focus on the collection thus more manpower is being recruited.The company is looking to create a separate focus around the housing finance company and will look to create housing as a separate business unit within the group and separate license for HFC has been applied for.The improvement in NIM on a sequential basis was on account of direct assignment of receivables done by the company and it booked some upfront profit on it and the impact of Product Mix change has not yet reflected yet.There is no change in sourcing strategy for the two wheelers and three wheelers.The disbursement in the used vehicle segment is expected to improve going forward on the back of ticket size improvement with BS VI.The marginal cost of borrowing was around 8.5 percent and it has come down to around 8.2 8.3 percent for now.The slowdown in disbursement is on account of industry degrowth in the commercial vehicle segment. Dealers are planning to reduce their inventory with movement from BSIV to BSVI which might impact disbursement in Q4FY20 and Q1FY21.The Ticket size in the Home equity business is expected to go down going forward from 54 to 55 lakhs to around 40 42 lakhs with the company moving from Tier 1 to tier 2 and tier 3 city.

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