| Consumer Lending | Loans for durable goods, personal finance, vehicle financing. | Strong brand, extensive distribution, AI-driven underwriting. | Mass and affluent consumers (B2C). | Personal loan cross-sell and EMI cards. | 235000 | 56 | Interest income and processing fees from retail customers. | Interest-based lending, EMI financing, fee income. | Rapid urbanization, digital penetration, rising consumer demand. | EMI Card, Personal loans, Two-/Three-wheeler loans |
| SME Lending | Unsecured and secured loans tailored for small and medium enterprises. | Robust credit risk management, digital sourcing channels. | Micro, small and medium enterprises, self-employed professionals (B2B). | Used car financing, medical equipment loans. | 45000 | 11 | Interest income and associated fees from SME customers. | Interest based with customized packages. | Growing SME sector, digital lending tools, financial inclusion. | Business loans, Loan against property, Medical equipment financing |
| Commercial Lending | Lending to corporates, financial institutions, and mid-sized companies. | Strong risk culture, integrated credit assessment systems. | Mid to large corporates (B2B). | Loan against securities and developer financing. | 45000 | 11 | Interest income and fees from corporate lending. | Interest and structured finance fees. | Corporate sector growth, specialized loan products. | Loan against securities, Corporate and mid-market loans |
| Rural Lending | Diverse rural financing products including microfinance and gold loans. | Extensive rural presence and diversified loan portfolio. | Rural consumers, farmers, micro enterprises (B2C and B2B). | Gold loan business. | 40000 | 10 | Interest and fee-based income from rural customers. | Interest income with tailored pricing for rural segments. | Financial inclusion, digital rural reach expansion. | Gold loans, Microfinance, Affordable mortgage loans |
| Deposits and Treasury | Acceptance of deposits and efficient treasury management. | High credit rating and trust for deposit mobilization. | Retail and corporate clients (B2C and B2B). | Corporate deposits and structured treasury instruments. | 30000 | 7 | Interest spreads and treasury income. | Competitive deposit interest rates. | Strong deposit mobilization, diverse investor base. | Retail and corporate term deposits, Public and corporate deposits |
