| Microfinance | Joint Liability Group loans for women to support income-generating activities, small ticket unsecured loans with monthly collection models. | Strong rural presence, in-house credit assessment, proprietary loan management system, and NABARD/NHB supported product lines. | Primarily rural women micro-entrepreneurs and informal sector borrowers (B2C). | Unsecured microloans with efficient collection models generate higher margins. | 1320000000 | 58 | Interest income from loans disbursed to low-income rural and semi-urban borrowers, with digital and cash collections. | Small ticket loans averaging ₹50,000 with tenures of 12-24 months; repayments are monthly and monitored closely. | High rural demand, financial inclusion policies, strong field operations, and digital loan management systems. | |
| MSME Loans | Unsecured and working capital loans to small rural businesses with tailored cash flow assessments and field investigations. | In-house credit appraisals, localized field force, and robust collection practices ensure asset quality and scalability. | Small business owners in rural and semi-urban areas (B2C). | MSME loans with enhanced underwriting and cash flow analysis optimize profitability. | 4890000000 | 21 | Interest income from loans with personal business appraisals and door-step collections. | Loan sizes averaging ₹75,000 with 24-month tenure; cashless disbursements and monthly collections. | Growing MSME sector, tight underwriting, higher yields, and expanding branch presence across 7 states. | |
| Two-Wheeler Finance | Hypothecated loans for two-wheelers aimed at self-employed and informal sector customers, mainly in Gujarat. | Exclusive dealership networks and in-house feet-on-street collections drive competitive edge. | Informal segment self-employed and salaried individuals in semi-urban/rural markets (B2C). | Secured vehicle loans with strong recovery and collateral backed security. | 910000000 | 4 | Interest income from secured loans linked to vehicle purchases, coupled with partnerships with 50+ dealerships. | Loan sizes averaging ₹76,000 with 12-36 months tenure; collections via digital and doorstep cash modes. | Dealer relationships, market penetration, and quick loan processing with secured asset backing. | |
| Loan Against Property (LAP) | Secured loans using property as collateral with comprehensive cash flow and title verification. | Early mover in targeted markets with stringent credit and title evaluation processes. | Self-employed and small business owners owning property in Gujarat, Telangana, Madhya Pradesh (B2C). | Secured asset-backed lending with low default risks offers high margins. | 770000000 | 3 | Interest income on secured loans with longer tenures (36-84 months) and higher ticket sizes (~₹5 lakh). | Loans with 65% max LTV, disbursed cashless, targeting tier 3-4+ markets. | Product launch success, secured lending demand, and geographical expansion. | |
