• Portfolio mix guidance: Retail and SME lending currently accounts for 85.4% of total assets and is guided to remain between 85% and 88%, driven by 24% growth in housing and an expected pickup in commercial vehicles from Q2.
• Gold loan expansion: Following the acquisition of Yogloans, the company plans an organic entry in Q3, targeting over 500 branches and a portfolio exceeding ₹4,000 crore over the next three years.
• ROA expansion target: Return on assets is guided to increase from 2.3% in Q1 to between 2.5% and 2.7% by FY28, with two-thirds of the gain expected from NIM expansion and one-third from operating efficiencies.
• Corporate lending approach: Corporate loans will comprise 12% to 15% of the total book, with the company originating larger transactions while syndicating out excess exposure to maintain conservative risk levels on its balance sheet.