• Financial and asset quality: In Q4, AUM grew 19% quarter-on-quarter to ₹7,066 crore and annual profit reached ₹281 crore, while gross NPA improved from 2.9% to 2.12%.
• Growth and return guidance: The company projects AUM growth above 40%, an ROA between 4.5% and 5%, an ROE between 19% and 21%, and a further 10% to 15% reduction in credit costs.
• Portfolio and branch expansion: While unsecured personal loans continue to form the largest share after starting the year at 93% of the portfolio, the company plans to establish 80 to 200 branches to expand its secured loan and LAP segments.
• Interest rate strategy: Following a credit rating upgrade from BBB+ to A-, the company will not pass potential interest rate hikes on to customers, choosing instead to manage leverage by lowering ticket sizes and offering reduced EMI products.