| Home Loans | Salaried, self-employed, and professional home loans for purchase, resale, balance transfer, and self-construction. | Strong brand, digital platforms, expertise in underwriting, and developer relationships for sourcing. | Primarily retail individual homebuyers including salaried and self-employed segments. | Prime and near-prime salaried home loans with strong repayment track record. | 6200 | 54 | Interest income from retail home loans, fees from loan processing and servicing. | Interest-based lending with repo rate linkage and competitive pricing. | Rising housing demand, digital onboarding, product innovation, and expanding geographic reach. | Sambhav Home Loans, Prime Home Loans, Near-Prime and Affordable Home Loans |
| Loan Against Property (LAP) | Loans secured against residential and commercial properties for self-employed and salaried customers. | Rigorous risk assessment, diversified portfolio, and stable customer base. | Self-employed professionals and salaried individuals requiring funding against properties. | Self-employed LAP with assessed income and risk based pricing. | 1200 | 10 | Interest income and fees from securing loan collateral. | Interest rate lending with assessed income-based risk pricing. | Increasing credit needs of self-employed, flexible loan offerings, and improved underwriting. | |
| Lease Rental Discounting (LRD) | Loans against lease rentals of commercial properties including offices, warehouses, and industrial assets. | Relationship-driven sourcing, escrow cash flow monitoring, and expertise in commercial assets. | Commercial real estate developers, REITs, and corporate lessees. | Grade-A properties and stable lessee contracts providing low risk. | 2500 | 22 | Interest income backed by rental cash flows with escrow mechanisms. | Interest rate lending with property and rental income collateralization. | Growing commercial real estate sector and demand for non-traditional lending solutions. | |
| Developer Finance | Construction finance to residential and commercial real estate developers across micro market to pan India projects. | Strong oversight, portfolio granularity, and project monitoring. | Real estate developers with active projects requiring staged financing. | Milestone-linked disbursements and developer relationships. | 1300 | 11 | Interest and fees from milestone-based tranches linked to construction progress. | Milestone tranche disbursement with escrow-based cash flow tracking. | Expansion of housing market and developer financing needs, escrow tracking mechanisms. | |
