| Banking Business | Loan against securities, supply chain finance, banking services | Strong risk controls, capital infusion, extensive branch network | SMEs, retail borrowers (B2B and B2C) | Loan against securities and specialized credit products | 2762 | 79 | Interest income, loan origination fees | Interest and fee-based; product dependent | Rising demand for affordable credit and digital banking services | Centrum Financial Services, Unity Small Finance Bank |
| Institutional Business | Investment banking, institutional equities, debt restructuring | Experienced management, research capabilities, client relationships | Corporates, institutional investors (B2B) | Advisory services and institutional equities | 142 | 4 | Brokerage, fees from capital markets services | Transaction-based fees and retainers | Capital market activity and debt restructuring demand | Centrum Broking Limited |
| Wealth Management & Distribution | Private wealth advisory, asset management, insurance broking | Award-winning private bank, technology-enabled client service | High net worth individuals (B2C) | Private wealth and family office services | 209 | 6 | Advisory fees, commissions | Asset-under-management fees, commissions | Increasing demand for wealth management and digital solutions | Centrum Wealth Management |
| Housing Finance | Affordable housing loans | NHB registration, focused product offerings | Middle-class homebuyers (B2C) | Affordable housing finance | 214 | 6 | Interest income from housing finance | Interest-based lending | Government housing schemes, rising urbanization | Centrum Housing Finance Limited |
