Usha Financial: Faster, Simpler and Personalized

How is Usha Financials adapting to growth opportunities competition? CEO Geeta Goswami reveals several transformations that have happened within:

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Geeta Goswami has looked into potential partnerships but sees strong internal systems as the company’s main strength

Ravi Lalwani: what has been the business growth in SME lending ofthe company over the last 3 years?

Geeta Goswami: Since its inception in 2016, Usha Financial has grown significantly, particularly in the SME lending sector. By March 2022, despite the challenges posed by covid-19, our loan book size had reached ₹1.5 bn. Postcovid, we adopted an aggressive lending strategy, focusing on the SME category, which has contributed to the company's expansion. Today, we have surpassed AUM of ₹3 bn, demonstrating our commitment to supporting the growth of small and medium enterprises through accessible financing solutions.

Please share the top 3 regions, top 3 products, and top 3 industry sectors.

Top 3 regions: Our business has seen the most significant growth in Delhi, West Rajasthan, and Maharashtra, where demand for our financing solutions continues to rise.

Top 3 products: Our key offerings include MSME, SME loans, and green financing, particularly for sustainable projects and electric vehicles.