| Lending business | Working capital loans, project finance, real estate loans, MSME secured lending products | In-house credit expertise, RBI registration, diversified loan portfolio, strong borrower evaluation capabilities | Primarily MSMEs and small businesses (B2B), also retail segments (B2C) | Short term business loans and prime loan against property segments | 247 | 40 | Interest income from loan disbursements and financing services | Interest rates based on risk profiles and loan types, primarily fixed rate loans | Rising MSME credit demand, customized loan products, traditional branch network expansion | Capital India Finance MSME Loans, Loan Against Property, Structured Finance |
| Prepaid payment instrument business | Digital loans, prepaid payment instruments, payments, and merchant services | Extensive distribution network (760,000 DBOs), tech-enabled underwriting, deep fintech ecosystem integration | Retail customers, small merchants, fintech users (B2C and B2B) | Digital payment and wallet services | 344 | 55 | Fee income from prepaid instruments, wallet usage, merchant commissions | Transaction and service fees, usage based revenue | Digital adoption, phygital model with large DBO network, fintech product innovation | RapiPay fintech platform including prepaid wallet and card products |
| Forex Services | Foreign currency exchange, cross-border remittances, prepaid forex cards | First NBFC AD II licensee, diverse service offerings, tie-ups like Western Union for remittances | Retail individuals, students, corporate travelers (B2C and B2B) | Remittance and forex service fees | 27 | 5 | Fee and commission income from forex transactions and remittance services | Fee-based, volume driven charges | Unique RBI AD II license, increasing forex demand for study, travel, and SMEs | RemitX Foreign Exchange Services |
