<h1>Microfinance firm targets 20% loan growth after fiscal close, seeks long-term equity and stronger RBI recovery rules</h1> A microfinance institution plans a 20% increase in its outstanding loan portfolio after closing the prior fiscal at Rs 6,100 crore, reporting net profit of Rs 110 crore, gross NPA 2.85% and net NPA 0.53%, with networth Rs 2,025 crore and capital adequacy 34.09%. The institution stresses the need for long-term equity (estimated USD 4 billion for sector expansion) to leverage bank debt and calls for permitting enforcement mechanisms within the RBI code of conduct for recovery, while advocating greater adoption of digital, cashless collections to improve efficiency and portfolio quality.