The lender reported a loan portfolio of ₹89,670 crore as of June 2024, with prime loans contributing roughly 59%. This segment covers loans above ₹35 lakh, while affordable housing loans range from ₹5 lakh to ₹35 lakh. Managing Director Ajai Kumar Shukla wants prime lending and the combined affordable and emerging-market segments to move towards a 55:45 split.

The company expects its loan portfolio to exceed ₹1 lakh crore during the current financial year and is targeting ₹1.2 lakh crore by 2028. Management sees scope for annual lending growth of 18–20%. The planned micro-housing entry is part of its effort to expand while improving margins.

Portfolio purchases are another growth route. Through Direct Assignment, or DA, the lender recently acquired loans totalling ₹146 crore from four companies, largely in affordable housing. Such transactions let it add existing borrower accounts rather than originate every loan itself.

Shukla described these purchases as a lower-cost alternative to expansion that requires spending on branches, employees and marketing. The company intends acquired loans to represent about 2% of its business. Its 400-branch network will continue sourcing customers, with portfolio purchases supplementing that activity. Micro-housing loan sizes, pricing and eligibility conditions have not been stated.