IndusInd Bank Growth and Risk Management
Towards becoming a Micro-banker from a Micro-lender
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RBI framework
Wind under the wing
Comprehensive Principle-based RBI regulations
announced in March 2022
Microfinance loan is defined as an unsecured loan
given to a household with an annual income less
than 300,000
Cash flow-based lending envisaged - assessment of
household income, household expenditure and cap
on loan repayment obligations put in
Industry will move towards cash flow assessment-
based lending as against exposure size
JLG lending may get saturated but there is a large
scope for lending to individual borrowers
graduating from JLG model
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Near term growth strategy
Playing to strengths
Evolving from a micro-lender to a micro-banker
offering a wider suite of products to meet evolving
customer needs -
Individual loans to graduating JLG customers
Scaling up of Consumer durable loans, cattle
loans & two-wheeler loans
Launch of Rural affordable housing, rural LAP
Liability & Insurance products
Building on loyal and sustainable customer
relationships
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