Inditrade Cap.

- The company has been raising money regularly, including in March 2020 (first and second week). - Post-COVID, fundraising paused but now they are in final stages of loan sanctions from institutions (names and figures confidential). - These funding discussions involved institutions awaited after completing 3 years of operations. - No explicit mention of equity fundraising; focus seems on debt funding or loan sanctions. - The company aims to reduce cost of funds and improve capital availability with upcoming funding. In summary, Inditrade Capital Limited is close to securing new debt funding from institutional lenders, reflecting ongoing efforts to raise capital despite the COVID-19 disruptions.

- No explicit mention of current or planned capex/capital investment in the Q4 FY20 call transcript. - Focus is on cost control and consolidation amid COVID-19, including branch consolidation and salary restructuring. - Digital micro-lending business is scaling up, suggesting possible ongoing investment in technology and digital platforms. - Strategy involves expanding affordable housing finance with loan sizes between 5 and 25 lakhs (house improvement), but the housing finance business has not started due to pending approval. - Company is finalizing funding arrangements from institutions, implying future capital availability to support growth. - Emphasis on cautious, structured growth with focus on portfolio quality rather than large capital expenditures.

- Digital micro-lending is expected to see exponential growth due to scalable online operations and increasing top-line contributions. - Microfinance will continue growing steadily, focusing on livelihood loans rather than lifestyle loans, maintaining customer loyalty. - MSME finance and agri-commodity segments will maintain cautious but steady growth, emphasizing capital preservation. - Cost-efficiency efforts such as branch consolidation, salary restructuring, and reduced commissions will support sustainable growth. - Strengthening collections post-COVID with expected faster recovery due to customers' need to access future credit. - Expansion plans in housing finance focus on affordable house improvement loans with ticket sizes of ₹5-25 lakhs. - Overall strategy remains unchanged: focus on livelihood loans, prudent risk management, and selective growth. - Debt-equity ratio under 1 and solvency ratio over 60% provide financial solidity to support growth. - Final stages of fresh fund-raising to fuel growth initiatives, despite COVID-related challenges.

- Inditrade Capital has shown strong growth with total AUM increasing 28% YoY to ₹455 crores and gross total income rising 74% YoY to ₹138 crores for FY20. - Profit before tax and exceptional items grew by 39% YoY to ₹20.8 crores, with PAT steady at around ₹3.5 crores quarterly. - The company aims for continued growth post-COVID, focusing on quality loan portfolios and scalable digital micro-lending. - Digital micro-lending business scaled rapidly to ₹81 crores book size by March, with potential for exponential growth and cost efficiencies. - MSME and microfinance segments show stable collections despite COVID, with focus on risk-averse lending. - Operating expenses are being optimized by consolidating branches, salary restructuring, and cost-cutting initiatives. - The company is conservatively leveraged with debt-to-equity ratio below 1, allowing absorption of significant defaults without impact on solvency. - Overall, management expects sustainable and structured growth with improved profitability as business normalizes post-pandemic.

The transcript does not provide specific information about Inditrade Capital Limited's current or expected order book or pending orders. The discussion primarily focuses on: - Business segments like microfinance, MSME finance, digital micro-lending, and agri-commodity finance. - Portfolio size and financial performance updates. - Impact and response to COVID-19. - Strategies for loan disbursements and collections. - Provisions, cost controls, and capital raising efforts. No explicit mention of order book or pending orders is made in the provided transcript.