What are your immediate challenges?
We offer a range of products, aligned to the under-served and unserved. We are into used commercial finance, microfinance, micro entrepreneur loans, and micro and affordable housing. However, we will have to improve our portfolio in the agriculture sector. We will have to see how we structure our liability service part, so that they can easily take out and put money, so as to win them away from informal sources of credit.
What technological upgrades will you need?
We are fairly advanced on the technology front. But, as a bank, we will have to ensure technology helps us to penetrate presence.
Would you need to raise any additional funds?
As on March, we had a capital base of close to Rs 1,200 crore, and a loan book of Rs 4,000 crore. Our board will take a call if we need to raise further capital
