| Non-Banking Financial Company (NBFC) Lending | Personal loans, unsecured MSME loans, secured MSME loans including Loan against Property products. | Deep market understanding, tailored lending to underserved segments, regional network, and strong RBI compliance. | Primarily B2C: low-income individuals, small businesses, women entrepreneurs in semi-urban/rural markets. | Secured MSME loans and personal loans with efficient collection and risk management. | 41 | 100 | Interest income from loan disbursals; fees and commissions on credit products. | Interest-based lending with risk-adjusted pricing; loan tenure and collateral terms vary by product. | Rapid MSME formalization, technology integration in credit scoring, branch expansion in key states. | |
