#cr 3 107

[screechingfromthevoid]

I have to check but like? Nana said to Orym that his jobs not over yet?? Which means letters death DID get him out of the deal???

Because if she counted their lunar interlude as "everyone made it back" then he wouldn't have his powers still, right?

But if everyone making it back extends till the end of the mission, then Nana already faulted on her end of the bargain. Not everyone made it back. Letters literally died on the moon.

Idk I think Nana is going to say something along the lines of "normally I would have ended our little deal when you all stepped foot back on exandria. In that spooky little town in Eiselcross. But since you're such good friends with my fearne, consider it, the friends and family discount"

[mdr-mardek]

It's quite something to see that so many people want to full on dive with the Arch Heart's plan. It's basically another "trust me bro" type of thing except he doesn't push Bells Hells to make his plan, he let them decide. On paper the AH's plan is quite tempting, but a lot of it is based on theories and unknowns. Per Corellon Predathos isn't interested of mortals to the point of not even acknowledging their presence. I really like Orym's comment with the ants, he could just do a big swipe on Exandria with a "oops my bad" while chasing after the gods. No interest in them doesn't mean he will not harm them by accident especially when it will be a god scale fight. I find it a bit odd that the Arch Heart is willing to put the lives of his siblings at risk like that. He knows damn well that some of them will not/cannot leave and putting Predathos out won't necessarily yeet them away. The Knowing Mistress is still recovering from her wound she received from the Chained Oblivion, the Wildemother made it pretty clear that she cannot and will not leave Exandria, she's too tied up with it, the Everlight loves too much mortals to go (these are just the obvious examples). The Divine Gate would be gone and then what? The gods are not the only ones behind that thing. Beasts, devils, demons, and other entities will be down upon the Material Plane and those will not be chased by Predathos. It totally make sense for the god of beauty to find beauty in the unknown regardless of the risks especially with what's at stake.

[finally-caught-up-on-critrole]

i wish we could ask questions about the luxon right now

[butterflydm]

cr 106 & 107

Glad I rewatched 106, because I really did miss a lot while I feeling a bit under the weather last week, so I missed most of the actual infiltration. The main thing I remembered from last week was going "wow this is really the monsterfucker campaign" after all the flirting at Nana Morri's, lol. It really does amuse me that the entire group is so into Morri and Ira while sending shade in the direction of the gods, who apparently just needed to be more capricious and weirder and less-trustworthy in order to trigger Bells Hells' monsterfucking desires. (did the ending of 107 confirm or refute this feeling? lol)

(side note: I do feel sad for Birdie and Ollie. Given Fearne's upbringing and relative isolation, I understand why she flat-out refuses to feel that Nana Morri is capable of ever doing anything wrong or bad, but man did Birdie and Ollie get screwed over by Nana Morri)

The initial battle was quite exciting but the secondary battle was even more so. I am so glad that Imogen pulled the trigger on that second fight ("I don't want Predathos to be free!") because giving the go-ahead for the Unseelie army to help Ludinus until the Sorrowlord decides it's time to betray Ludinus genuinely would be an actual betrayal of all of the people that they just spoke to in Vasselheim (including Keyleth). I think it was Marisha/Laudna who would pointed out that they would then be responsible for killing all of those people on both sides if they did something like that.

Also: Laudna has disintegrate! Wow!

Bells Hells finally got a sign from a god that was obvious enough that they noticed it, you guys! Big moment! It only took a temple being magically being rebuilt before their eyes. Also, so excited that we're getting more from the Arch Heart here. (and so so excited about our special guest, Abubakar!). They wanted to talk to a god.

Arch Heart is like, okay, no more time for being subtle. We're playing hardball. Also, they're a total prankster, which fits, given that they're the patron of all things fey.

Also Ashton getting this direct refutation of their belief that the gods would immediately smite them if they knew that the gods had found out that they knew the truth.

So two of the gods want to "let go" (leave Exandria, presumably) while the others want to stay. "Try convincing my family to leave their children." They believe that the only way they can get the others to leave is to scare the ever-loving fuck out of them.

Abubakar's Arch Heart remains very very charming. Also I do not trust them, lol. They basically want the same thing as Fearne's daddy, don't they? Just for a different reason.

Their argument is that BH should sacrifice one of their own (Imogen or Fearne) in order to scare the rest of the god family off Exandria so that they can have their family back. Or at least that's how it sounds. "Make sacrifices for the greater good" -- but what is the greater good. That's the question that Bells Hells has to answer here.

Orym being like "idk if I think you actually have that much influence over your siblings" lol.

Also, there are way too many ??? in the Arch Heart's plans for my personal taste, but we'll see what Bells Hells thinks, I guess.

Literally everyone's plan who wants to use Predathos to do anything:

Step 1: Free Predathos

Step 2: ????

Step 3: Profit!

I haven't found any of their arguments convincing, lol.

[lesbiansloveseokjin]

day 107/639 of yoongi's military service

this selca was posted on 140218 with the caption:

Hobi Hobi happy birthday heh #BTSJHOPEDAY '3')v

(trans cr: Iraide @ bts-trans)

[jiinjiinjarra]

Oct 2, 2020 (201002): 2020 Billboard Music Awards

Oct 5, 2020 (201005): BTS Map Of The Soul ON:E

🐹: "I really missed having an audience. A stage performance is all about the connections between the audience and the performer. Just only the camera to look at the whole time made me more nervous. To be honest, I wasn't as excited, though I still gave it my all." (p.107)

🐰: "What gives me the most energy during the show is the cheers from the fans. That's what keeps me dancing and singing even when I have cramps all over my body. I felt hollow without that. I'm eager to see them again and hear the electrifying cheers again." (p.517)

Oct 26, 2020 (201026): The Late Show with James Corden

Oct 29, 2020 (201029): The Late Show with James Corden

🐹: "I'm putting a lot of effort into my work, but personally, I've been a bit emotionally detached from everything for the last few months. If I don't have a fixed schedule, I find myself just lying around at home and sleeping for about 15 hours a day. I don't know if it's because of the prolonged pandemic or for some other reason. Even games don't excite me much anymore. I guess it's just a phase that everyone goes through at some point. It'll get better." (p.110)

🐰: "I almost collapsed when I heard that the concert was canceled. I've been looking through a lot of old videos of us rehearsing and performing. I miss doing shows terribly. I want to get back on the plane and tour around the world again. I can't wait to feel that sensation again." (p.523)

BTS // Book // 'Beyond the Stage' Documentary Photobook : The Day We Meet // Photobook // 2023 // Pt.3

Scan Cr. jiinjiinjarra (me)

Translation cr. provided in the book

[jymeia]

All the elements of the periodic table in the Kichwa language

Jose E. Andino-Enríquez, Manuel A. Andino-Enríquez, Francis E. Hidalgo-Báez, Sisa P. Chalán-Gualán, Santiago D. Gualapuro-Gualapuro, Simone Belli and Michelle B. Chicaiza-Lema recently published in the Journal of Chemical Education a proposal to adapt the names of the 118 elements of the periodic table to Kichwa (Adaptation of the Periodic Table to Kichwa: An Ecuadorian Native Language; J. Chem. Ed., 2022 99 (1), 211-218, DOI: 10.1021/acs.jchemed.1c00383).

The authors explain that the Kichwa lacks scientific tools to respond to educational needs, triggering the gradual loss of intercultural diversity. To adapt the periodic table to Kichwa, they took into account the different linguistic variations of the language and the opinion of the speakers. This is the adaptation compared to the Spanish version, the language most widely spoken in Ecuador:

Lo autores explican que que el kichwa carece de herramientas científicas para responder a las necesidades educativas, desencadenando la pérdida gradual de la diversidad intercultural. Para adaptar la tabla periódica al kichwa tuvieron en cuenta las diferentes variaciones lingüísticas del idioma y la opinión de los hablantes. Así quedó la adaptación:

Kichwa Spanish

1 H Yakutiksi Hidrógeno 2 He Hilyu Helio 3 Li Lityu Litio 4 Be Wirilyu Berilio 5 B Puru Boro 6 C Killimsa Carbono 7 N Nitrohinyu Nitrógeno 8 O Wayrasamay Oxígeno 9 F Flur Flúor 10 Ne Nyun Neón 11 Na Sutyu Sodio 12 Mg Maknisyu Magnesio 13 Al Aluminyu Aluminio 14 Si Silisyu Silicio 15 P Puspuru Fósforo 16 S Salliy Azufre 17 Cl Kluru Cloro 18 Ar Arkun Argón 19 K Putasyu Potasio 20 Ca Kalsyu Calcio 21 Sc Iskantyu Escandio 22 Ti Titanyu Titanio 23 V Panatyu Vanadio 24 Cr Krumyu Cromo 25 Mn Mankanisyu Manganeso 26 Fe Hirr Hierro 27 Co Ankasi Cobalto 28 Ni Nikyl Níquel 29 Cu Anta Cobre 30 Zn Zink Zinc 31 Ga Kalyu Galio 32 Ge Hirmanyu Germanio 33 As Arsyniku Arsénico 34 Se Silinyu Selenio 35 Br Prumyu Bromo 36 Kr Kriptun Kriptón 37 Rb Rupityu Rubidio 38 Sr Instrunsyu Estroncio 39 Y Itryu Itrio 40 Zr Zirkunyu Zirconio 41 Nb Nyupyu Niobio 42 Mo Muliptinyu Molibdeno 43 Tc Tiknisyu Tecnecio 44 Ru Rutinyu Rutenio 45 Rh Rutyu Rodio 46 Pd Palatyu Paladio 47 Ag Kullki Plata 48 Cd Katmyu Cadmio 49 In Intyu Indio 50 Sn Istanyu Estaño 51 Sb Antimonyu Antimonio 52 Te Tiluryu Telurio 53 I Iwtyu Yodo 54 Xe Sinun Xenón 55 Cs Sisyu Cesio 56 Ba Paryu Bario 57 La Lantanyu Lantano 58 Ce Siryu Cerio 59 Pr Prasyutimyu Praseodimio 60 Nd Nyutimyu Neodimio 61 Pm Prumisyu Prometio 62 Sm Samaryu Samario 63 Eu Yurupyu Europio 64 Gd Katulinyu Gadolinio 65 Tb Tirpyu Terbio 66 Dy Tisprusyu Disprosio 67 Ho Hulmyu Holmio 68 Er Irpyu Erbio 69 Tm Tulyu Tulio 70 Yb Itirpyu Iterbio 71 Lu Lutisyu Lutecio 72 Hf Hafnyu Hafnio 73 Ta Tantalyu Tántalo 74 W Ulpramyu Wolframio 75 Re Rinyu Renio 76 Os Usmyu Osmio 77 Ir Irityu Iridio 78 Pt Platinyu Platino 79 Au Kuri Oro 80 Hg Mirkuryu Mercurio 81 Tl Talyu Talio 82 Pb Antaki Plomo 83 Bi Pismutyu Bismuto 84 Po Polunyu Polonio 85 At Astatyu Astato 86 Rn Ratun Radón 87 Fr Fransyu Francio 88 Ra Ratyu Radio 89 Ac Aktinyu Actinio 90 Th Turyu Torio 91 Pa Prutaktinyu Protactinio 92 U Uranyu Uranio 93 Np Niptunyu Neptunio 94 Pu Plutonyu Plutonio 95 Am Amerisyu Americio 96 Cm Kuryu Curio 97 Bk Pirkilyu Berkelio 98 Cf Kalifurnyu Californio 99 Es Instinyu Einstenio 100 Fm Firmyu Fermio 101 Md Mintilipyu Mendelevio 102 No Nupilyu Nobelio 103 Lw Lawrinsyu Lawrencio 104 Rf Rutirfurtyu Rutherfordio 105 Db Tupnyu Dubnio 106 Sg Syapurhyu Seaborgio 107 Bh Puhryu Bohrio 108 Hs Hasyu Hasio 109 Mt Mitniryu Meitnerio 110 Ds Tarmastatyu Darmstatio 111 Rg Runtihinyu Roentgenio 112 Cn Kupirnisyu Copernicio 113 Nh Nihunyu Nihonio 114 Fl Flirupyu Flerovio 115 Mc Muskupyu Moscovio 116 Lv Lipirmuryu Livermorio 117 Ts Tinisyu Teneso 118 Og Ukanisun Oganesón

-----------------------------------------------------

Reprinted with permission from “Adaptation of the Periodic Table to Kichwa: An Ecuadorian Native Language. Author: Jose E. Andino-Enríquez, Manuel A. Andino-Enríquez, Francis E. Hidalgo-Báez, et al. Publication:  Journal of Chemical Education Publisher: American Chemical Society. Date: Jan 1, 2022. Copyright © 2022, American Chemical Society”.

(For an individual, for non-commercial purposes, permission is granted at no charge for a cumulative total of 4 or fewer figures, tables, or micrographs, or an excerpt of 400 or fewer words for a single article. Appropriate credit should be given. Appropriate credit should read: "Reprinted with permission from {COMPLETE REFERENCE CITATION}. Copyright {YEAR} American Chemical Society." Insert appropriate information in place of the capitalized words. Please save this page for your records and for publication in print provide a copy to your publisher).

[voxartemis]

I posted 2,523 times in 2022

That's 1,017 more posts than 2021!

17 posts created (1%)

2,506 posts reblogged (99%)

Blogs I reblogged the most:

@bundibird

@og-fanofmyself

@sevendeadlyhomunculus

@peppergnocchi

@gingerest-ale

I tagged 422 of my posts in 2022

#spoilers - 42 posts

#writing - 18 posts

#critical role - 15 posts

#the locked tomb - 13 posts

#critical role spoilers - 12 posts

#dracula daily - 10 posts

#moon knight spoilers - 8 posts

#exu calamity - 7 posts

#cr spoilers - 7 posts

#moon knight - 7 posts

Longest Tag: 140 characters

#they’re all over instagram and my mom always send them to me like wow this place is amazing and i’m always like mom …that is not a real plac

My Top Posts in 2022:

#5

The great thing about the legends of vox machina series is while the story will be the same it wont be verbatim the live stream. Like how when you finish a book series that’s it, there’s never a new scene with those characters, you never learn anything new about them, theres nothing new to experience with them. But this will be like we get to see our fav characters again in a brand new story but also we know how the story will go.

Or I guess it’s like a book to tv series adaptation if the book was written by multiple authors who are also playing the characters in the tv series.

What I’m saying is I’m VERY excited

29 notes - Posted January 14, 2022

#4

Me, reading the new Dracula daily for may 16th: oh my god, tumblr is gonna have a field day with this

46 notes - Posted May 16, 2022

#3

Kudos to Brennans acting cause in the second episode when they visit the oracles and Zerxus has that conversation with Asmodeus and Z says “promise you won’t forget me” and Asmodeus responds “oh, I won’t forget you”. Brennan had just enough of an edge in his tone I had a red flag pop up like, wait was that a threat..? But then he played Asmodeus as going back to soft and gentle and in awe of Zerxus. Lulled us right back to where he wanted us.

He really had me thinking this betrayer god might be misunderstood but he left a nice bit of foreshadowing to lead right up to that reveal with the line “and I did nothing wrong” *chefs kiss*

107 notes - Posted July 7, 2022

#2

I cannot get the “if you look down and see the stars, what will you see if you look up” line out of my head. What a beautifully terrifying, dream-horror moment. Just *chefs kiss* I aspire to be able to write something so perfect, so on theme, and the TIMING followed by “you see the ground. And it is fast approaching” just chills, bravo

276 notes - Posted May 31, 2022

My #1 post of 2022

I’ve realized what it is about Brennan Lee Mulligans DMing style that I like so much. Its the way he handles exposition. He is a master at showing, not telling and he does that with all his lore drop exposition moments. Best example so far is…

Spoilers for EXU Calamity Ep 2 here

When Xerxus gets that nat 20 religion check on Vespins body. Brennan could have just said “you realize he’s a cleric of a betrayer god and he was used to death by that god”. Nice, to the point exposition.

No, instead he tells a story, first setting down the logic behind a cleric slowly gaining more power, and that it would be bad if a god gave a cleric too much at once. Then he describes the logic behind the betrayer gods choices, that the betrayer god might not care about their followers so much. And that allows his players to add those two things together to realize and really understand exactly what happened to Vespin to be in the state he is.

Its just perfectly done! What an amazing story teller he is to be able to provide a lore drop with so much emotion behind it. And to provide his players that experience of dawning realization and horror that your character, if they were a real person, would experience on having that same epiphany.

How does he do that? Is that all off the cuff, improv? Does he write or at least plan some of this stuff out beforehand? How do I do that, cause man oh man I want to do that. That’s so much fun as a DM and as a player.

1,127 notes - Posted June 12, 2022

Get your Tumblr 2022 Year in Review →

[demigirl-demigod]

I posted 10,375 times in 2022

That's 4,480 more posts than 2021!

603 posts created (6%)

9,772 posts reblogged (94%)

Blogs I reblogged the most:

@what-wait-why

@viciousmollymaukery

@sparring-spirals

@vethbrenatto

@boars-emporium

I tagged 3,183 of my posts in 2022

#critical role - 2,394 posts

#cr spoilers - 2,130 posts

#critical role spoilers - 2,110 posts

#cr liveblogging - 1,238 posts

#the mighty nein reunited - 269 posts

#arcane - 111 posts

#league of legends arcane - 107 posts

#exu: calamity - 101 posts

#shadowgast - 88 posts

#tlovm - 81 posts

Longest Tag: 139 characters

#the fact that i don’t have a lot else going on and i have a super flexible schedule and my jobs are different all the time definitely helps

My Top Posts in 2022:

#5

When people start calling a cr episode by just it’s number and everyone understands you know it’s a big one

167 notes - Posted September 13, 2022

#4

Sam: *creates a hunger games themed battle royale one shot*

Players: *refuse to fight each other and band together to rebel against the powers that be, like in the hunger games*

Sam:

180 notes - Posted January 28, 2022

#3

Sam: is that a creature I’ve seen before?

Matt: ….yeah you played one

208 notes - Posted July 22, 2022

#2

Caduceus Clay is so sweet and good that’s it that’s the post

215 notes - Posted January 23, 2022

My #1 post of 2022

The Beauregard vest made Matt too powerful

255 notes - Posted September 9, 2022

Get your Tumblr 2022 Year in Review →

[screechingfromthevoid]

nothing (besides everyone ignoring Orym's deal) has made me angrier than watching Dorian keep up this facade. Dorian Storm has always been a type of mask he's worn. At first he called himself a liar because of it. The happy go lucky bard was a way of escaping for him. He was escaping Brontë so he created Dorian. He didn't believe he was Dorian. Until the Crown Keepers made Dorian real. And for a while, he really believed he was Dorian. That he has this new family and new life and he could be who he truly wanted to be.

And then his brother came back and made his problems Dorian's problems. Until he had to put Brontë back on. Because even if the Crown Keepers + Cyrus called him Dorian, he was Brontë. He had to be who his brother thought he was.

When Cyrus dies, the thread to Brontë had snapped. He was going to see Orym, back to the Bells Hells, back to Dorian Storm. But the foundation of Dorian had shattered. Dorian was created in order to run from his place in life, family, Cyrus. Now he was gone. The Crown Keepers had fallen apart. His friends fell through his fingers and he couldn't do anything to stop it. He was once ready to side with a betrayer god for these people and now they're in the wind.

So Dorian shows back up to Bells Hella and he's completely broken. The foundation of both of his lives has been thoroughly rocked. No brother. No Crown Keepers. The two things that forged Dorian Storm. He wears that mask so fucking well. Because he still wants to believe in it. He said it live on stage that he should "believe his own backstory". The one he made up. The one where he was a bard.

He wants to be Dorian so bad. He spends all his money on Orym, he spins the bottle so he can kiss his friends, he flirts, he blushes and giggles at compliments. Exactly how Dorian would, should.

But he wears the gold of the heir. He has a festering animosity inside his chest. He doesn't sleep. He's thinner than he was. He doesn't sleep. He sicks abominations after their creators. He talks to God's without an ounce of self preservation, daring them to strike him down. He does not acknowledge them as they taunt him.

The god of beauty and magic calls him beautiful and he does not smile.

[finally-caught-up-on-critrole]

were it all already written, 'how many would it take?' + the all minds burn spore sure would be some foreshadowing combo huh

[jeonjcngkook]

I posted 15,476 times in 2022

1,004 posts created (6%)

14,472 posts reblogged (94%)

Blogs I reblogged the most:

@jeonjcngkook

@kth1

@yoongi-bts

@jjungcooks

@namgination

I tagged 11,471 of my posts in 2022

Only 26% of my posts had no tags

#my moon n my stars - 3,167 posts

#yoongi - 1,719 posts

#jimin - 1,337 posts

#taehyung - 1,298 posts

#hobi - 1,019 posts

#namjoon - 931 posts

#seokjin - 764 posts

#jords asks - 391 posts

#tracking : userjeonjcngkook - 286 posts

#mutuals - 222 posts

Longest Tag: 107 characters

#😶‍🌫️😶‍🌫️😶‍🌫️😶‍🌫️😶‍🌫️😶‍🌫️😶‍🌫️😶‍🌫️😶‍🌫️😶‍🌫️😶‍🌫️😶‍🌫️😶‍🌫️😶‍🌫️😶‍🌫️😶‍🌫️😶‍🌫️😶‍🌫

My Top Posts in 2022:

#5

See the full post

3,773 notes - Posted March 10, 2022

#4

See the full post

3,799 notes - Posted April 12, 2022

#3

head full of thoughts. cr. @taee

4,087 notes - Posted March 10, 2022

#2

WHERE IS THE NEED (cr. jjkive twt)

4,155 notes - Posted May 17, 2022

My #1 post of 2022

the uk saving eurovision 2022 by providing us thor in a bedazzled playsuit n if that isnt 1 point worthy idk what is

4,247 notes - Posted May 14, 2022

Get your Tumblr 2022 Year in Review →

[news365timesindia]

[ad_1] AUM as of Q2FY25 at Rs. 7,039 Crs, growth of 36% YoY Disbursements at Rs. 828 Crs, growth of 30% YoY PAT of Rs. 90 Crs for Q2FY25, growth of 50% YoY RoA for Q2FY25 at 5.6% India Shelter Finance Corporation Limited announced its financial results for the 2nd Quarter of Fiscal year 2025. The Board of Directors of India Shelter Finance Corporation at its meeting held today, approved the unaudited financial results for quarter and half-year ended September 30, 2024.Key Performance Metrics: Particulars (Rs. Crs)Q2FY25Q2FY24YoYQ1FY25QoQH1FY25H1FY24YoYAUM 7,039 5,181 36% 6,509 8% 7,039 5,181 36%Disbursements 828 638 30% 715 16% 1,543 1,220 26%Spread (%) 6.1% 5.9% 6.1% 6.1% 5.9%Opex/AUM 4.4% 4.6% 4.4% 4.4% 4.7%PAT 90 60 50% 84 8% 174 107 62%RoA (%) 5.6% 5.1% 5.6% 5.6% 4.7%Gross Stage 3 (%) 1.2% 1.0% 1.1% 1.2% 1.0% Commenting on the performance, Mr. Rupinder Singh, Managing Director, and CEO of India Shelter Finance Corporation said, "We delivered another quarter of consistent performance with sustainable growth in our AUM. We are pleased to report an AUM growth of 36% YoY to Rs. 7,039 Crs supported by disbursement growth of 30% YoY to Rs. 828 Crs. Growth in disbursement is driven by the expansion of branches, improvement in productivity and vintage of our branches. During the quarter we opened 24 branches across the nation as part of our stated branch expansion strategy, with this we have a presence of 260 branches across 15 states. During the quarter, ICRA Rating has upgraded our credit rating from A+ to AA - Stable, this will help us further optimize our cost of funds over the medium term."Profitability: Profit after tax grew 50% YoY to Rs. 90 Crs in Q2FY25 as against Rs. 60 Crs in Q2FY24 RoA improved to 5.6% in Q2FY25 from 5.1% in Q2FY24 RoE stood at 14.8% for Q2FY25Borrowings & Liquidity: Networth is at Rs. 2,489 Crs as of September'24. The company continues to carry a liquidity of Rs. 1,192 Crs as of September'24 In Q2FY25, the cost of funds was maintained at 8.8%Asset Quality & Provisions: Gross Stage 3 and Net Stage 3 at 1.2% and 0.9% as of 30th September'24 30+ DPD at 3.6% as of 30th September'24 Credit Cost for the quarter at 0.5%About India Shelter Finance Corporation India Shelter provides affordable home loans and loan against property in Tier 2 and 3 geographies in India. India Shelter provides home loans to customers from low-and middle-income segments who are building or buying their first homes. The company has strong distribution model with its Pan-India network in 15 states via 260 branches and maintains a granular portfolio. The company is being run by an experienced professional management team backed by marquee investors. [ad_2] Source link

[news365times]

[ad_1] AUM as of Q2FY25 at Rs. 7,039 Crs, growth of 36% YoY Disbursements at Rs. 828 Crs, growth of 30% YoY PAT of Rs. 90 Crs for Q2FY25, growth of 50% YoY RoA for Q2FY25 at 5.6% India Shelter Finance Corporation Limited announced its financial results for the 2nd Quarter of Fiscal year 2025. The Board of Directors of India Shelter Finance Corporation at its meeting held today, approved the unaudited financial results for quarter and half-year ended September 30, 2024.Key Performance Metrics: Particulars (Rs. Crs)Q2FY25Q2FY24YoYQ1FY25QoQH1FY25H1FY24YoYAUM 7,039 5,181 36% 6,509 8% 7,039 5,181 36%Disbursements 828 638 30% 715 16% 1,543 1,220 26%Spread (%) 6.1% 5.9% 6.1% 6.1% 5.9%Opex/AUM 4.4% 4.6% 4.4% 4.4% 4.7%PAT 90 60 50% 84 8% 174 107 62%RoA (%) 5.6% 5.1% 5.6% 5.6% 4.7%Gross Stage 3 (%) 1.2% 1.0% 1.1% 1.2% 1.0% Commenting on the performance, Mr. Rupinder Singh, Managing Director, and CEO of India Shelter Finance Corporation said, "We delivered another quarter of consistent performance with sustainable growth in our AUM. We are pleased to report an AUM growth of 36% YoY to Rs. 7,039 Crs supported by disbursement growth of 30% YoY to Rs. 828 Crs. Growth in disbursement is driven by the expansion of branches, improvement in productivity and vintage of our branches. During the quarter we opened 24 branches across the nation as part of our stated branch expansion strategy, with this we have a presence of 260 branches across 15 states. During the quarter, ICRA Rating has upgraded our credit rating from A+ to AA - Stable, this will help us further optimize our cost of funds over the medium term."Profitability: Profit after tax grew 50% YoY to Rs. 90 Crs in Q2FY25 as against Rs. 60 Crs in Q2FY24 RoA improved to 5.6% in Q2FY25 from 5.1% in Q2FY24 RoE stood at 14.8% for Q2FY25Borrowings & Liquidity: Networth is at Rs. 2,489 Crs as of September'24. The company continues to carry a liquidity of Rs. 1,192 Crs as of September'24 In Q2FY25, the cost of funds was maintained at 8.8%Asset Quality & Provisions: Gross Stage 3 and Net Stage 3 at 1.2% and 0.9% as of 30th September'24 30+ DPD at 3.6% as of 30th September'24 Credit Cost for the quarter at 0.5%About India Shelter Finance Corporation India Shelter provides affordable home loans and loan against property in Tier 2 and 3 geographies in India. India Shelter provides home loans to customers from low-and middle-income segments who are building or buying their first homes. The company has strong distribution model with its Pan-India network in 15 states via 260 branches and maintains a granular portfolio. The company is being run by an experienced professional management team backed by marquee investors. [ad_2] Source link

[sourabhvashistha]

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[seemabhatnagar]

Social Boycott is not Permissible in Law

When a matter is Sub-Judice the parties in dispute are ought to maintain status quo till any decision is made.

Sri Ranjit Mondal v. The State of West Bengal & Others

WPA 11715/2023

Before high Court of Kolkata

Disposed of on 27.12.2023 by the Bench of Hon’ble Mr. Justice Jay Sengupta J with the observation that the respondent police authorities shall keep a sharp vigil at the locale, ensure that no breach of peace takes place and no order of a Civil Court is violated.

Surveillance shall include frequent visits to the area by police patrol.

To harass and demotivate the petitioner, the respondents supported by locals resorted to social boycott of the petitioner and his family members.

Facts

This is case where a temple was illegally constructed in front of the property of the petitioner Ranjit Mondal. When petitioner objected to it there was social boycott of the petitioner and his family members by the private respondents and the locals residing there.

Petitioner approached Civil Court, Arambagh, Hooghly seeking order for restraining the defendant nos. 1 to 6 from changing the nature and character and possession of 3 feet wide and 40 feet long common passage existing in between the suit plot by way of encroachment.

Interim Injunction was granted on 22.11.2022.

Petitioner also made a complaint that private respondents are trying to disturb the possession and enjoyment of the property as a result police authorities have also come in action and proceedings under 107* Cr P C was initiated.

107*Cr P C in case of emergency when breach of peace is imminent, Executive Magistrate orders the accused person to agree to a bond which asks him to maintain peace for the prescribed period of time as the Judge thinks would fit.

Seema Bhatnagar