| Financing Activity | Secured loans across MSME, gold, affordable housing, construction finance, and car loan origination. | Strong regional presence, diversified secured portfolio, proprietary AI underwriting tech, broad lending partnerships. | Retail and MSME borrowers, self-employed and salaried individuals in urban and semi-urban India. | Gold loans, co-lending fee income, car loan distribution segment. | 3247 | 89 | Interest income from loans, fee income from loan processing and co-lending arrangements. | Loan interest priced based on risk; fee-based income from services; co-lending profit sharing. | Rising retail credit demand, co-lending expansion, branch network scaling, technology integration. | Capri Loans |
| Other Activity | Distribution of insurance products and car loan origination services. | Exclusive partnerships with top banks, scalable digital platforms, expanding geographic footprint. | Retail customers, banks and insurance partners across 31 states. | Insurance product cross-selling, car loan fee income streams. | 408 | 11 | Commission and fee income from insurance sales and loan origination services. | Fee-based revenue, volume-linked commissions from partners. | Growth in insurance penetration, digital adoption, bank alliances expansion for car loans. | Insurance Distribution, Car Loan Distribution |
