| Emerging Entrepreneurs Business (EEB) | Microfinance group loans and small business/agri loans offered through banking units to empower small entrepreneurs. | Extensive rural branch network, innovative TAB technology connectivity, strong customer loyalty and regulatory compliance. | Underbanked small enterprises, micro entrepreneurs in rural and semi-urban India (B2C). | Group Loans and SBAL segments showing higher margins due to focused customer base and operational efficiency. | 50080 | 34 | Interest on loans, processing fees; primarily retail loan income. | Standard interest lending, approved credit-based pricing with digital repayments. | Digital repayment modules, portfolio control, increased financial inclusion, targeted product innovations. | Srishti Loan, Suraksha Loan, Sushiksha Loan, Sahayata Loan, Baazar Loan |
| Retail Banking | Savings and current accounts, retail loans including vehicle, personal and gold loans, digital banking services. | Strong customer base, technology-led service delivery, broad product portfolio, trusted brand in financial inclusion. | Individual retail customers including salaried, self-employed, MSME owners (B2C). | Gold loans, personal loans and digital banking fee income with high customer touchpoints. | 175098 | 48 | Interest margin on loans, fees from card and transaction services, third party product commissions. | Variable interest rates, fee-based income, recurring service charges. | Digital onboarding, diversified product suite, expanding retail footprint, increasing CASA deposits. | Neo+ Savings Account, Biz Deluxe Current Account, Gold Loan, Car Loan, Personal Loan |
| Corporate/Wholesale Banking | Loan products to SMEs and financial institutions including term loans, working capital, trade finance. | Established relationships, comprehensive product suite, geographic diversification and credit risk management. | SMEs, NBFCs, HFCs, healthcare, education institutions, mid-market corporates (B2B). | Facility fees and secured loans to financially sound SMEs and institutions. | 20915 | 18 | Interest income from corporate and institutional lending, trade finance fees. | Interest based on credit risk, facility fees, structured lending products. | Portfolio diversification, trade finance growth, geographic and product expansion. | Mid Market Group (MMG) loans, Financial Institution Group (FIG), Business Banking Group (BBG) |
| Treasury | Investment management, liquidity management, trading and treasury operations. | Professional treasury team, regulatory compliant investment strategies. | Internal and external financial market participants. | Investment income from government securities and bonds. | 2350 | 1 | Interest income, trading gains, investment income. | Market linked returns and spreads on investment portfolio. | Effective asset liability management, favorable market conditions. | |
