AUM target of ₹10,000 crore by FY27
Management outlined a roadmap to cross ₹10,000 crore in AUM by FY27, leveraging existing infrastructure and branch network.
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Fusion Finance · forward-looking guidance across the available source record.
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growth
Stable credit cost guidance of 3.25-3.75%
On a stable book, credit costs are expected to normalize in the range of 3.25% to 3.75%, based on current flow rates and leverage trends.
Quarterly recoveries target of ₹50 crore
Targeting ₹50 crore per quarter in recoveries from the 60+ DPD pool, with ₹200 crore expected over the next four quarters.
MSME book to double to ~₹1,500 crore
MSME AUM expected to grow from ~₹700 crore to ~₹1,500 crore, representing 15% of total AUM, with secured lending at 55% LTV.
AUM target of ₹10,000 crore by March 2027
Management reiterated the aspiration to reach ₹10,000 crore AUM by March 2027, supported by calibrated growth and branch-level execution.
Credit cost guidance of 2.5-3% for FY27
Management guided for a stable-state credit cost of 2.5-3% in FY27, with internal modeling trending towards 2.5% including MSME portfolio.
OPEX growth capped at 4-5% in FY27
Total operating expenses for FY26 were ₹832 crore; management expects FY27 OPEX to increase by only 4-5% through rationalization initiatives.
New LMS migration by end of August 2026
The company is migrating to an advanced loan management system, with UAT started in May 2026 and full rollout expected by August 2026.