| Hire Purchase & Loan Division | Unsecured MSME loans, secured gold loans, business correspondent and co-lending services | Strong branch network, integrated technology stack, disciplined audit and compliance, deep MSME market knowledge, RBI regulatory compliance | Small and micro entrepreneurs, shopkeepers, traders; B2C retail and B2B financial partnerships | Secured gold loans and business correspondent/co-lending services offer better risk-adjusted margins | 7 | 100 | Interest income on loans, fees from BC services, and co-lending arrangement commissions | Loan interest rates with varying tenures; digital collections and doorstep loan servicing | Expansion into secured gold loans, digital lending platforms, strategic partnerships, capital infusion | Capital Magic Loan, Micro Business Loans, Capital Business Loans |
