• Credit cost trend: Credit costs have dropped consistently over four quarters from 6.24% to 4.67%, while net interest margins remain strong at around 14.5% compared to peer averages of 11% to 12%.
• Mortgage book growth: Mortgage-based lending has expanded to represent 22% of the total loan portfolio, up from 15% to 16% a year prior, contributing to a 23% year-on-year growth in Q3.
• Disbursement run rate: Average monthly disbursements rose from 350 crores in Q3 to 450 to 500 crores in January and February, with Q4 typically accounting for 35% to 40% of total disbursements.
• AI-driven collections: Backed by investor Google Capital, the company utilizes proprietary machine learning models and voice bots to predict customer EMI bounce probabilities and optimize origination and collection efforts.