• Growth and credit guidance: Kisst projects a 40% growth rate over the next 12 months alongside a 10% to 15% reduction in credit costs, driven primarily by cross-selling to its 1.1 crore customer base.
• LAP segment strategy: While unsecured personal loans account for around 93% of AUM, the secured loan against property (LAP) portfolio is expanding rapidly, with over 40% of LAP customers drawn from the existing borrower pool.
• Profitability targets: Return on Assets (RoA) is guided to remain between 4.5% and 5.0%, with Return on Equity (RoE) targeted in the range of 19% to 21%.
• Asset quality drivers: Sustained asset quality improvements are supported by proprietary AI and machine learning underwriting models built on 60 million customer records, selective internal sourcing, and a dedicated team of nearly 8,000 collection personnel.