What is Ujjivan SFB's outlook on growth and asset quality?

Ujjivan SFB anticipates growth and asset quality recovery to remain on track across states.

What is the expected impact of the Bihar MFI Ordinance on Ujjivan SFB?

The management expects minimal impact from the proposed Bihar MFI Ordinance.

How does Ujjivan SFB plan to diversify its customer base?

Ujjivan SFB plans to gradually diversify its customer base, leveraging the 40% overlap between its MFI and gold loan portfolios.

Home / Business and Economy / Ujjivan SFB Eyes Growth Amidst Geopolitical Storm

Ujjivan SFB Eyes Growth Amidst Geopolitical Storm

19 Mar

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Summary

Ujjivan SFB sees growth and asset quality recovery on track.
Proposed Bihar MFI Ordinance impact expected to be minimal.
Company plans accelerated growth in secured lending, including gold loans.

Ujjivan SFB Eyes Growth Amidst Geopolitical Storm

Ujjivan SFB is currently experiencing growth and asset quality recovery across various states, with management indicating these trends are proceeding as planned. The bank anticipates minimal disruption from seasonal factors like heatwaves or the restricted movement associated with upcoming multi-state elections in the first quarter. The proposed Bihar MFI Ordinance is also expected to have a limited effect.

Furthermore, the influence of the MFIN guardrail is diminishing, with the three-plus lender portfolio projected to become negligible in the coming quarters. Potential business disruptions from the ongoing US-Iran conflict are also considered limited, provided the geopolitical situation stabilizes soon. Ujjivan SFB is strategically accelerating its growth in secured lending, including gold loans, without compromising credit standards.