Q4 2020 Cholamandalam Investment and Finance Company Ltd Earnings Call Transcript
Ladies and gentlemen, good day, and welcome to the Cholamandalam Investment and Finance Company Limited Q4 FY '20 Earnings Conference Call hosted by Kotak Securities Limited. (Operator Instructions) Please note that this conference is being recorded.
I now hand the conference over to Mr. Nischint Chawathe from Kotak Securities Limited. Thank you, and over to you, Mr. Chawathe.
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Thank you. Welcome, everybody, to the 4Q FY '20 earnings conference call of Cholamandalam Investment and Finance Company Limited. To discuss the performance of Chola and share business updates, we have with us today, Mr. Arun Alagappan, Managing Director; Mr. Arul Selvan, Executive Vice President and CFO; Mr. Ravindra Kundu, Executive Director; Mr. Shaji Varghese, President, Housing Finance; and Mr. Rupinder Singh, Senior Vice President and Business Head, Home Equity and SME.
I now -- I would now like to hand over the call
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