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Aim to cut share of unsecured loans from 47% to 30% in 3-4 yrs'
Financial Express Lucknow
|June 06, 2025
SAF Small Finance Bank is recalibrating its lending strategy to focus on secured, retail asset-led growth, while gradually reducing its exposure to the microfinance segment.
reduction in our microfinance portfolio, which continues to face stress. The microfinance book declined to ₹9,705 crore in Q4FY25 from ₹13,764 crore in Q4FY24. The new guardrails introduced by the microfinance self-regulatory organisation (SRO) significantly reduced the pool of eligible borrowers. In several cases, we couldn’t extend fresh loans even to existing customers. As a result, disbursements in the microfinance segment dropped to ₹1,044 crore in Q4FY25 from ₹3,076 crore a year ago.
Consequently, the share of microloans in our overall portfolio declined from 70% to 49% year-on-year.
What caused the shift in your asset mix?
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