| Microfinance and Retail Finance | Microcredit to rural women, unsecured retail business loans, two-wheeler loans, gold loans, affordable housing loans, insurance. | Strong rural presence, experienced management, tech-enabled underwriting, robust risk controls, diversified funding including foreign capital. | Primarily rural women clients organized in joint liability groups and individual retail borrowers. | Unsecured retail loans, insurance products, and higher ticket-size retail finance products. | 5752 | 100 | Interest income from loans, fees for financial products, insurance commissions. | Loan interest rates with flexible repayment options; no prepayment penalties; competitive pricing in microfinance sector. | Rural financial inclusion, product diversification, new-to-credit borrowers, improved loan appraisal, increased digital adoption. | Grameen Koota Microfinance loans, Retail Finance unsecured business and housing loans |
