| Financial Lending Services | Loans against shares, securities, promoter funding, consumer durable loans, trade finance including bill discounting. | Niche focus bridging banks and informal lenders, strong governance, RBI registration, and technology-driven credit evaluation. | B2B and B2C including retail, HNI, HUFs, and corporate entities. | Loans against securities and consumer durable financing generate higher margins due to collateralization and short tenure. | 13 | 100 | Interest income from loans and financing, plus fees from credit services. | Competitive interest rates with flexible terms; margin funding based on asset quality. | Rising demand for flexible credit, underserved markets, tech-enabled loan processing, and stronger capital base. | |
