Loan growth of 13-15% in FY27
Management expects advances growth in line with industry, targeting 13-15% for FY27, driven by secular momentum across retail, commercial, and corporate segments.
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growth
RIDF deposits to reduce by ₹6,500-9,000 crore in FY27
RIDF and other mandated deposits expected to decline by at least ₹6,500 crore, potentially up to ₹9,000 crore, by March 2027, supporting margin expansion.
Core ROA improvement of 25-50bps over next 2-3 years
Excluding JC Flower ARC recoveries, management aims to improve core ROA by 25-50bps through higher NIM, cost discipline, and lower credit costs.
NIM target of 3.25-3.5% over 2-3 years
Structural margin target of 3.25-3.5% over a 2-3 year horizon, driven by RIDF rundown, lower cost of deposits, and improving loan mix.