Secured asset mix target of 70% by March 2027
Management reiterated the goal to increase secured loan share to 70% by end of FY27, up from 61% currently.
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ESAF Small Finance · forward-looking guidance across the available source record.
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Guidance tracker
What management said would happen.
expansion
Steady-state credit cost of 2% by FY28
CFO guided that normalized credit cost will be around 2% from FY28 onwards, as legacy provisioning clears.
ROA target of 2% by FY28
Management expects to achieve a return on assets of 2% by FY28, with traction visible in the next two quarters.
Loan growth of 20-25% on steady-state basis
The bank expects annual loan growth of 20-25%, excluding IBPC sales, supported by network leverage.