MobiKwik is betting big on lending as it looks to accelerate growth while maintaining profitability. The fintech company expects loan disbursals of ₹4,500-5,000 crore in the current financial year, with plans to grow the business by another 30-35% next year. During the discussion, Upasana Taku, Co-Founder and Executive Director of MobiKwik, explained that the company offers personal and merchant loans across multiple ticket sizes, catering to both mass-market and premium customers. She highlighted that MobiKwik leverages payment transaction data, spending behavior, income profiles, and credit bureau information to underwrite loans responsibly. The company is also targeting higher profitability, aiming to build on its recent positive EBITDA and PAT performance through disciplined growth and risk management