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Northern Arc targets 30% growth, ROA of 3.8% as retail lending, fee income expand, says CEO Ashish Mehrotra

Northern Arc Capital expects its return on assets (ROA) to rise to 3.73.8% over the next two years, driven by stronger NIMs from its expanding retail franchise and a fast-growing fee income business. MD & CEO Ashish Mehrotra outlines how credit-cost normalization, branch-led MSME growth and a rising share of direct lending will power 2530% annual AUM growth.