Advances growth of 20%+ YoY for FY27
Management reiterated guidance of 20%+ year-on-year growth in advances for FY27, supported by improved disbursements.
EQUITASSMALLFINANCEBANK / guidance tracker
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Equitas Small Finance · forward-looking guidance across the available source record.
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Guidance tracker
What management said would happen.
growth
FY27 ROA of 1.2-1.25% with Q4 exit at ~1.5%
Full-year ROA guided at 1.2-1.25%, with Q4 FY27 exit ROA expected around 1.5%, factoring in NIM moderation and credit cost normalization.
Credit cost to normalize to ~1.5% for FY27
Credit cost expected to rise from Q4's 1.11% to around 1.5% for the full year due to seasonal factors and normalization.
NIM to stabilize around 7%
Management expects NIM to moderate from 7.29% and stabilize around 7% due to deposit rate hikes and CD ratio management.