Q4-FY26 · Ajay Kandal
We are exiting the stress period with a better SMA book than when we started.
JANASMALLFINANCEBANK / language trends
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Jana Small Finance · tone and specificity signals across the available quarters.
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Language signals
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Q4-FY26 · Ajay Kandal
Our strategy of ensuring that we put the book under credit guarantee program hasn't changed, which is why the total guarantee program is at 77%.
Q4-FY26 · Ajay Kandal
We have not built that into our financials either for this year for sure and certainly for next year because whether we get universal or not we still think we have a strong business case.