• AI operational integration: Kissht is running over 40 agentic AI initiatives, leveraging transformer models for dynamic underwriting and fraud detection while using AI for 95% of its coding and automated customer communications.
• Credit expansion impact: Implementing AI has enabled the company to increase overall lending volumes at superior credit quality by identifying creditworthy thin-file applicants who lack traditional documentation.
• Festive growth strategy: The company deliberately avoids chasing seasonal festive spikes to prevent taking undue risk, focusing instead on uniform year-round growth across salaried, self-employed, and thin-file segments.
• Asset quality metrics: Repayment trends and collections have remained strong with no visible asset quality pressure, maintaining a steady gross NPA of 2.25% as of the June quarter.