Advances growth of ~25% in FY27
Management expects overall loan book to grow around 25% in FY27, with secured book growing faster and microfinance at high single digits.
UJJIVANSMALLFINANCEBANK / guidance tracker
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Ujjivan Small Finance · forward-looking guidance across the available source record.
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What management said would happen.
growth
Credit cost to moderate to 1.4%-1.5% of average gross loan book
Credit cost guidance for FY27 is 1.4-1.5%, down from 2.2% in FY26, reflecting improving asset quality.
ROA target of ~1.6% for FY27
Return on assets expected at 1.6% for FY27, down from exit Q4 ROA of 2.1% due to investments in branches and technology.
NIM to remain around 8.5% in FY27
Net interest margin expected to be stable near Q4 FY26 levels, supported by cost of fund benefits and higher-yielding secured products.