New Delhi, Feb. 19 -- DBS Bank India is looking to target India's rising 'mass affluent' base to become a true universal bank and stand out among its peers, who largely cater to companies and the super-rich, CEO Rajat Verma told Mint in an interview.

Mass affluent refers to individuals who earn significantly more than the average consumer at around Rs.30 lakh a year, but haven't yet reached 'high-net-worth' status.

Verma said the bank's pivot to a universal banking model is already underway, having seen broad-based growth across its institutional, small business, retail and wealth verticals in 2025. It will look to maintain this growth across all key businesses in 2026 while focusing on select products and sub-segments, he added. He joi...