| Micro and Small Business Loans | Providing secured loans primarily backed by borrower’s self-occupied residential property to micro-entrepreneurs and self-employed individuals for business and personal purposes. | Proprietary underwriting model, strong field presence, robust credit and collections infrastructure, and diversified capital sources ensure competitive edge. | Retail customers—micro and small business owners, self-employed individuals in semi-urban and rural India (B2C focus). | Higher margins in secured loans to smaller ticket sizes with strong risk controls and localized collections. | 2195 | 100 | Earns revenue mainly through interest income on secured loans; fees contribute marginally. | Interest-based lending with typical loan tenures up to 7 years and controlled loan-to-value ratios. | Growth driven by branch expansions, increasing loan demand in underserved markets, and proprietary credit assessment technology. | Five-Star Secured Business Loans |
