| Retail Banking | Savings and current accounts, digital payments, customer deposits, lending products | Extensive merchant network, proprietary UPI switch, strong fintech collaborations, and RBI licensing | B2C retail customers, rural and urban individuals, MSMEs | Subscription income, secured lending products, digital payments fees | 423 | 23 | Interest income on deposits, fee and commissions on transactions and subscriptions | Fee based on transactions and subscriptions, interest spread on deposits and lending | Increasing digital adoption, CASA growth, fintech partnerships, expanded product offerings | FinoPay, CASA accounts, UPI services |
| Treasury | Investment and management of bank's financial assets | Compliance with RBI norms, risk management practices | Internal operations | Optimal investment yields on high-rated instruments | 195 | 11 | Interest income and trading gains | Asset yield based | Asset management efficiency, regulatory compliance | |
| Other Banking Operations | Merchant services, payment processing, cash management | Wide-reaching merchant network, technology platform for payments | Merchant network, third party partners | High throughput transaction fees, CMS service fees | 1228 | 66 | Fee and commission from merchant transactions and CMS | Transaction fees, service charges | Merchant network expansion, digital payment adoption | Cash Management Services (CMS) |
