Disbursement growth momentum to continue
Management expects sequential disbursement growth to sustain, supported by 30% increase in frontline sales force and branch expansion.
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Keep management guidance in view.
IndoStar Capital Finance · forward-looking guidance across the available source record.
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Guidance tracker
What management said would happen.
growth
Microloan AUM to double in FY27
Management targets doubling microloan AUM from current levels in the next financial year, with calibrated expansion across states.
Credit cost target of ~2%
Management targets credit cost of approximately 2% as the post-January 2025 book becomes a larger share of the portfolio.
35% CAGR in disbursements over three years
Management targets 35% compound annual growth rate in disbursements through FY29, supported by portfolio quality improvements and capacity expansion.
PAT target of ₹450-500 crore by FY29
Profit after tax target of ₹450-500 crore by FY29, driven by growth, operating leverage, and cost discipline.
Credit cost target of 2-2.5%
Normalized credit cost expected to stabilize between 2% and 2.5% as new underwriting book becomes dominant.
Addition of ~100 branches over three years
Planned addition of about 100 branches over the next three years to support growth.