| Affordable Housing Finance | Small-ticket mortgage loans for home purchase, construction, home improvement and loans against property primarily to low and middle-income customers. | Strong brand, diversified pan-India presence, backed by Blackstone’s capital, technology-enabled underwriting, and low ticket size niche focus. | Retail customers including salaried, self-employed and informal sector individuals in economically weaker sections (B2C). | Retail home loans segment with higher ticket sizes and low risk salaried customers provide better margins. | 28790 | 100 | Interest income from retail mortgage loans with ancillary fee income from processing and services. | Loan interest rates aligned with risk and market benchmarks; typically fixed and floating rates; pricing adjusted on credit assessment. | Rising affordable housing demand, government subsidy schemes (PMAY), urbanization, digital loan origination, and expanded rural penetration. | Aadhar Housing Finance |
