Q4 2021 Indiabulls Housing Finance Ltd Earnings Call Transcript
Ladies and gentlemen, good day, and welcome to the Indiabulls Housing Finance Limited Q4 FY '21 Conference Call hosted by Investec India. (Operator Instructions) Please note that this conference is being recorded. From the management team, we have Mr. Gagan Banga, Vice Chairman, MD and CEO; Mr. Ashwini Hooda, Deputy Managing Director; Mr. Sachin Chaudhary, Chief Operating Officer; Mr. Mukesh Garg, Financial -- Chief Financial Officer; Mr. Ashwin Mallick, Head Treasury; Mr. Ramnath Shenoy, Head IR and Analytics; Mr. Veekesh Gandhi, Head Markets; Mr. Hemal Zaveri, Head Banking.
I now hand the conference over to Mr. Gagan Banga. Thank you, and over to you, Mr. Banga.
Thank you. A very good day to all of you, and welcome to the quarter 4 and full year fiscal '21 earnings call. I hope each one of you and your families are doing well and are safe. Going to the lockdowns, most of us are taking this call from our homes. Therefore, we request that you restrict yourselves to high-level
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