| Retail Banking | Loans and deposits for individuals and micro/small businesses including microfinance, vehicle loans, and housing finance products. | Strong brand in underserved markets, extensive branch network, diversified retail products, digital platform, and risk management capabilities. | Mass and mass-affluent individuals, micro-entrepreneurs, microfinance groups, small business owners (B2C focused). | Secured business loans, vehicle finance, and housing loans with higher yields and lower credit cost. | 614460 | 85 | Interest on loans, fees from banking services, and deposit mobilization. | Interest-based lending, fixed and floating rates; fee-based income including deposit and service charges. | Secured lending growth, microfinance recovery, new product launches, branch expansion, digital banking adoption. | Small Business Loans, Vehicle Finance, Microfinance, Housing Finance, MSE Loans |
| Treasury | Investment portfolio management, liquidity management, and treasury operations. | Experienced treasury management, regulatory compliance, and liquidity management. | Internal and external market transactions; corporate clients. | High-quality securities and bond portfolios. | 89021 | 12 | Income from investments, trading gains, interest on securities. | Market-based yields on investments and securities. | Rising interest income from treasury investments aided by growing reserves and deposits. | |
| Corporate/Wholesale Banking | Loan products and financial services to corporate clients and NBFCs. | Niche client relationships and cross-selling to retail products. | Corporate clients, NBFCs (B2B segment). | Corporate loans with tailored pricing. | 6376 | 1 | Interest income and fees from corporate lending and partnerships with NBFCs. | Interest-based lending, transaction fees. | Selective corporate financing and NBFC partnerships to diversify loan book. | |
| Other Banking Business | Non-credit services including ATM cards, insurance products, mutual funds, and FASTag issuance. | Integrated digital platforms and wide customer reach through branches. | Retail banking customers and partners. | Third-party insurance and mutual fund distribution. | 12464 | 2 | Fee-based income from third-party products and banking services. | Service and distribution fees. | Growing customer base and cross-selling of financial products. | |
