• AUM growth targets: The company crossed ₹30,571 crore in AUM with 20% growth and is targeting ₹50,000 crore in three years through 20% to 22% annual AUM growth. The portfolio mix will be maintained at 70% home loans and 30% loan against property to comply with regulatory requirements.
• Net interest margins: Reported NIM reached 9.18% for the fiscal year, with management guiding for sustainable NIMs of 8.5% and above. To offset urban margin compression, the company is increasing its exposure to higher-yielding self-employed borrowers by 1% annually alongside expanding into Tier 2 and Tier 3 markets.
• Branch network expansion: The company added 46 branches to reach 626 branches across 22 states and plans to add 30 to 50 branches annually over the next three years. Expansion will remain focused on emerging Tier 2 and Tier 3 locations to drive customer penetration.
• Asset quality metrics: Gross NPA improved to 1.08%, beating the guided 1.1%, driven by steady bounce rates over the past six quarters and an entirely in-house collections infrastructure. Proactive tracking of 1+ days past due accounts over the last two years has helped contain early-stage delinquencies.