| Retail Finance | Secured lending products targeting MSMEs and retail customers including gold loans and mortgage financing | Strong parentage of Federal Bank, established branch network, robust credit rating, and secured collateral lending | Primarily MSME borrowers and retail clients seeking secured credit, B2B and B2C focus | Gold Loan segment enjoys high margins due to secured nature and high demand | 148495 | 90 | Interest income from loan portfolios, fees from loan processing and distribution services | Interest rates based on collateral and risk profile, fees on distribution; mostly recurring interest revenue | Branch expansions, digital onboarding, increasing demand for secured credit across MSME and retail segments | Gold Loan, Small & Medium Ticket Loan Against Property (LAP), Housing Loans |
| Distribution | Distributes retail loans and insurance products from Federal Bank and other partners | Exclusive partnership with Federal Bank, extensive branch reach enhancing distribution capability | Retail consumers through branch network, B2C segment mainly | Fee income from insurance distribution and retail loan sourcing | 3657 | 7 | Fee based income from distribution services to retail clients | Fee and commission based on products distributed | Growing loan demand, cross-selling through branches with Federal Bank affiliation | Loan and Insurance product distribution |
| Wholesale Finance | Credit facilities to corporate and institutional clients | Niche market focus with parent bank support and capital base | B2B clients including SMEs and corporates | Tailored structured finance deals with competitive yields | 210 | 1 | Interest income from wholesale lending portfolio | Interest based lending with contractually structured terms | Targeted lending to SME wholesale markets with secured finance | Structured Wholesale Lending |
