• Margin outlook: With a portfolio mix of 45% unsecured and 55% secured and non-unsecured lending, net interest margins are expected to remain steady in the 8% to 8.5% range for the year.
• Credit cost guidance: Credit costs are projected to stay around 100 basis points, supported by strengthened underwriting and continued risk-management cover under the CGMFU scheme.
• Deposit mobilization: Digital fixed deposits now drive nearly 50% of incremental deposits at lower acquisition costs, enabling the bank to maintain cost of deposits around 7.5% to 7.6% by transitioning to granular retail funds.
• UPI credit line: The digital lending book stands at around ₹100 crore to ₹200 crore with average limits below ₹10,000, serving primarily as a customer acquisition engine expected to double its 5 lakh user base.
• Growth and RoE: Operating on an asset base of roughly ₹13,000 crore, the bank aims for 30% to 35% growth, a 3% GNPA, and an RoE of 13% to 14% with progressive 50 to 100 basis point annual improvements.