ROA target of 3.5-4%+ for FY27
Management expects ROA to improve to 3.5-4%+ in FY27, driven by margin expansion, operating leverage, and lower credit costs.
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Arman Financial Services · forward-looking guidance across the available source record.
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Guidance tracker
What management said would happen.
margins
Opex cost-to-assets target of ~7% for FY27
Management aims to reduce opex from ~9% to ~7% in FY27 through AUM growth and efficiency improvements.
Credit cost guidance of ~3% for FY27
Management expects credit costs to be around 3% in FY27, assuming no major macro disruptions.
MSME and LAP growth of 20-25% in FY27
Management targets 20-25% growth in MSME and LAP segments, with cautious expansion given uncertain macro environment.