| Vehicle Finance | Loans secured against vehicles for personal and commercial use. | Deep rural presence, tailored credit appraisal, dedicated field and collection teams. | B2C loan customers, first-time vehicle owners in semi-urban and rural areas. | New vehicle loans with strong collection efficiency. | 131 | 32 | Interest income from loans, processing fees. | Interest rates 16%-28%, loan tenure 12-48 months, hypothecation security. | Increasing vehicle ownership demand in rural sectors, regional expansion. | Car Loan, Commercial Vehicle Loan, Tractor Loan |
| MSME and Loan Against Property (LAP) | Secured loans for business expansion and working capital backed by property. | Strong risk assessment grid, stable asset-backed lending base, geographic expansion plans. | Small business owners, self-employed individuals, vendors in rural/semi-urban India. | Long-tenure secured loans with conservative loan-to-value ratios. | 280 | 68 | Interest income from secured loans, underwriting fees. | Interest rates 16%-28%, tenure 60-120 months, property as collateral. | Growing MSME sector, demand for credit to underserved segments, diversification efforts. | MSME Loans, Loan Against Property |
