• AUM growth guidance: The company achieved 21.5% AUM growth in Q1 and targets 21–23% growth for the full financial year, with the possibility of reaching 24–25% in subsequent quarters during the festival season.
• Margin and cost outlook: Net interest margin is expected to sustain at 8–8.5%, supported by stable yields, credit costs holding at 1.5–1.7%, and borrowing costs bottoming out between 9.25% and 9.35%.
• Credit rating upgrade: Management is actively engaging rating agencies for an upgrade from AA- based on a capital adequacy ratio exceeding 23% and consolidated AUM surpassing ₹16,000 crore, aiming to reduce borrowing costs below 9%.
• Technology and AI adoption: Incorporating AI and automation in back-end processes and underwriting has reduced turnaround times, contributing to a lower employee count and rationalized employee expenses.