| Micro MSME Business Loans | Small-ticket loans tailored to micro MSMEs for working capital and business expansion. | Strong data science underwriting models, extensive branch network, diversified loan portfolio, experienced management, and brand recognition in niche micro MSME lending. | B2B focus serving manufacturing, trading, services, and allied agriculture micro enterprises. | Mortgage loans and repeat lending segments yield higher margins due to longer tenor and lower risk profile. | 6356 | 100 | Interest income and fees from loan disbursements and repayments. | Interest-based lending with secured and unsecured options; tiered based on risk and loan type. | Expansion of branch network, technological integration, repeat business from low-risk customers, and upselling mortgage loans. | Saral Property Loans, Secured Hypothecation Loans, Unsecured Hypothecation Loans |
