Strategic 5-year plan

We believe that an organisation is defined not only by the products and services it offers, but also by its ambitions and objectives. Our objective is to continue growing our business with more vigour and improving our offerings.

To stay ahead of the curve, we have charted a 5-year growth plan.
By FY 2025, we aspire to achieve a consistent AUM growth of 15-20% with 25% cross-cycle RoE.
To achieve this, we have set up objectives for each business, which we plan to achieve by FY 2025

BusinessObjectives
Gold loans
  • Grow AUM at ~10-15% while maintaining granularity
  • Focus on new channels including door-step, DSA and online
  • Continue to drive productivity and efficiency to improve RoA by 100-150 bps
MFI loans
  • Grow cross-cycle AUM by ~20%
  • Continue to de-risk loan book through geo diversification
  • Maintain strong focus on borrower level indebtedness and collections efficiency
Other loans
  • Standalone ROA of 2.0%+ over time for VF, HF and MSME

For the Company as a whole, our objective is to:

  • Have strong credit quality, prudent ALM and sustained performance to drive improvement in credit rating
  • Target 20-25% Tier 1 ratio
  • Focus on digital initiatives to drive improved business outcomes

Our 5-year growth plan is not restricted to financial performance alone. It also extends to our sustainability performance. Our sustainability efforts are tied to our business performance, brand success and reputation, and we will continue to focus on improving our ESG performance:

Enviroment

Environment

  • Energy consumption
  • Material consumption
  • Waste
  • Environmental compliance

Social

  • Talent management
  • Diversity and inclusion
  • Community investment
  • Socio-economic development
  • Employee wellness

Governance

  • Ethical practices
  • Internal control
  • Well-organised management