| Automobile | Diesel and electric three-wheeler vehicles for passenger and cargo transport. | Strong regional brand, established dealer network, and growing EV technology | B2C individual drivers and B2B fleet operators | Electric vehicle sales and spare parts | 485 | 92 | Vehicle sales and after-sales services | Direct sales with standard retail pricing | Rising demand for affordable transport and EV adoption | Atul Shakti, Atul Gem, Atul Smart, Atul Gemini-Dz |
| Non Banking Financial Business | Financing solutions for vehicle buyers including loans and leasing | Wholly owned subsidiary with 37% market share in company vehicle financing | B2C borrowers, vehicle purchasers | Retail vehicle finance services | 42 | 8 | Interest income and financial services fees | Interest and fee-based | Vehicle sales growth and increased financing penetration | Khushbu Auto Finance Limited |
