| Housing Finance | Affordable home loans for purchase, construction, repair, and extension of residential units primarily for low and middle-income customers. | Strong branch network in underserved markets, in-house underwriting, diversified funding, robust risk controls, and brand trust. | Retail customers in semi-urban and rural India, mostly economically weaker and low-income groups; B2C focus. | Smaller ticket-size loans with longer tenures to low-income groups yield higher margins due to focused risk management. | 15000 | 85 | Interest income from disbursed housing loans largely forms revenue; fees and processing charges also contribute. | Interest-based lending with competitive and regulated interest rates tailored for affordable housing sector. | Government housing schemes, urbanization, increasing affordable housing demand, and financial inclusion policies drive growth. | Aavas Home Loans |
| MSME Loans | Loans to Micro, Small and Medium Enterprises to support business needs beyond housing contexts. | Deep local market knowledge, regulated frameworks, direct lending model, and SIDBI recognition for MSME portfolio. | Small business owners primarily in semi-urban and rural areas; B2C and small enterprise focus. | Newer credit products to MSMEs offer higher yields reflecting elevated credit risks and tailored pricing. | 2500 | 15 | Interest income from MSME loans and associated fees. | Interest rate based lending, structured per MSME needs and credit profiles. | Credit access for MSMEs underserved by banks, government schemes, and SIDBI recognition support expansion. | Aavas MSME Business Loans |
