Rakesh Singh

We are looking at, by end of this year, we are looking at 2.5% ROE. This is what we are looking at.

We have been preemptive in making these interventions and will continue to have a positive approach in the small unsecured business loan segment, which we would like to reiterate and is less than 1.5% of the total portfolio.

We are looking at expanding the ROAs from here on.

We have guided for 75% of retail and SME product mix in the next two to three years. We continue to stay guided on that.

We took several proactive interventions in this quarter by tightening our underwriting norms ahead of any real signs of industry concerns emerging in the small ticket consumer loan segment.

Our committed guidance from this front is that we will double our book in the next three years, and we will improve our ROA to 3% in the next three years, with the change in the product mix and improvement of margins.

We will continue to build a granular portfolio and enhance our retail and SME segment mix.