• Lending disbursement targets: The company expects to disburse between Rs 4,500 crore and Rs 5,000 crore in lending during the current financial year, with plans to scale volumes by 30% to 35% next year.
• Loan product portfolio: Consumer personal loans range from Rs 1 lakh to Rs 2 lakh for prime/near-prime users and Rs 3 lakh to Rs 5 lakh for super-prime salaried customers, alongside tiered merchant loans.
• Profitability growth guidance: Following positive EBITDA of Rs 15 crore and Rs 17 crore in Q3 and Q4 of FY26 (yielding PAT of Rs 4 crore and Rs 4.5 crore respectively), the company aims to double profitability in FY27.
• Underwriting and margins: Utilizing payment transaction and bureau data to align loan sizes with earning multiples has lowered credit costs, expanding net lending margins to 5%.