| Housing Finance & Small Business Loans | Long-term loans for home purchase/construction and business expansion primarily targeting self-employed in semi-urban/rural areas. | Strong regional branch network, advanced in-house digital loan origination, prudent underwriting, diversified borrowing, and strong credit ratings. | Retail-focused; primarily self-employed individuals in Tier 2/3/4 cities seeking affordable housing and business credit. | Home loans with higher ticket sizes and longer tenure showing better margins; technology-enabled efficiency lowers operating costs. | 12330 | 100 | Interest income from loan portfolio, fee income from ancillary services. | Interest-bearing loans with fixed and floating rates; customized pricing based on risk and product category. | Increasing home ownership aspirations in smaller cities, technology-enabled underwriting, new geographic expansions, diversified funding reducing costs. | Aptus Home Loans, Quasi-Home Loans, Small Business Loans |
