Q4 2023 Indiabulls Housing Finance Ltd Earnings Call Transcript
Ladies and gentlemen, good day, and welcome to the Indiabulls Housing Finance Q4 FY '23 Earnings Conference Call. (Operator Instructions) Please note that this conference is being recorded.
For the call, we have with us Mr. Gagan Banga, Vice Chairman, MD and CEO; Mr. Sachin Chaudhary, Chief Operating Officer; Mr. Mukesh Garg, Chief Financial Officer; Mr. Ramnath Shenoy, Head, IR and Analytics; Mr. Pinank Shah, Deputy CFO; Mr. Ashwin Mallick, Head, Treasury; Mr. Veekesh Gandhi, Head Markets; and Mr. Hemal Zaveri, Head Banking.
I now hand the conference over to Mr. Gagan Banga. Thank you, and over to you, sir.
A very good day to all of you, and welcome to the quarter 4 and full year financial year 2023 earnings call. In the fiscal year '22, '23, we have consolidated on the foundation laid in the previous year, which was fiscal '22. Co-lending and asset-light path of growth, which amongst our peers, we were the first to pick up on, has now been accepted and adopted by all
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