• Profitability guidance: The bank expects 80% growth in full-year profit after tax to reach approximately ₹600 crore, driven by stabilizing asset quality and credit costs projected between 1.6% and 1.8%.
• Loan book structure: The portfolio has shifted to 73% secured assets, while 79.8% of the unsecured book is covered under a guarantee program with an initial ₹60–65 crore claim planned for Q3.
• Margin and ROA: Net interest margins are expected to sustain at around 7.5%, with return on assets anticipated in the 1.6%–1.8% range as operating leverage begins to reduce the 67% cost-to-income ratio.
• Asset growth outlook: Management is confident of achieving over 20% asset growth, driven by untapped capacity across MSME, affordable housing, gold loans, and two-wheeler financing.
• Promoter stake reduction: Promoter ownership has declined from a peak of 44% to 16.85% and is guided to drop to 10% over six months via strategic sales rather than open-market disposal.