In a bid to raise its share of secured portfolio and bringing a balance to the overall loan book, Ujjivan Small Finance Bank will focus on affordable housing and MSME lending along with the new products that are in the pipeline, Ittira Davis, the managing director and chief executive officer, said.

The bank is planning to bring down the share of microfinance loans in its portfolio to 60-65% in the next three years from current levels of around 70% in order to increase its secured loan book.

With the Bengaluru-based lender now out of the woods from the effects of the pandemic, it now wants to shift focus on growth driven through segments outside its traditional operations.