• AUM growth outlook: The company targets 14% full-year AUM growth, up from 10.4% last year. Although disbursements grew near 30%, AUM growth lagged due to higher portfolio amortization following a shift to quarterly interest rate resets.
• NIM and credit costs: Full-year net interest margin (NIM) is guided at 3.75% after reaching 3.81% in the first quarter with portfolio yields at 9.81%. Credit cost guidance for the full year remains unchanged at 10 basis points.
• Geographic diversification strategy: Can Fin Homes aims to reduce southern market concentration from below 65% to roughly 60% by FY28. Growth will be driven by 28 planned branch additions this year, mostly in northern and western regions.
• Stressed asset guidelines: The RBI's seven-year disposal mandate for stressed non-financial assets is not expected to have an impact. The company typically disposes of SARFAESI-acquired properties within two to three years without transferring titles into its own name.