| Microfinance Lending | Collateral-free small loans to women entrepreneurs for income-generating activities in agriculture, retail, and services. | Extensive rural branch network, technology-enabled underwriting, and trusted brand in microfinance sector. | B2C focus on low-income rural women organized as Joint Liability Groups. | Older cycle repeat loans with lower credit costs offer higher margins. | 1400 | 60 | Interest income, fees, and cross-sell loan products supporting recurring revenue streams. | Interest on loan principal with fees; repeat loans based on credit performance and repayment history. | Digital onboarding, increased client reach, improved collection efficiency, and credit cost management driving growth. | FINDOST platform |
| MSME Lending | Loans secured by collateral to small and medium enterprises in rural and semi-urban locations for business expansion and productivity enhancement. | Specialized rural collateral lending expertise and integration with digital credit analytics platform. | B2B focus serving MSMEs in informal and formal sectors through branch network. | Loans with strong collateral backing and longer tenure deliver better margins and lower credit cost. | 930 | 40 | Interest income and processing fees from secured loan portfolio with loan tenor averaging 67 months. | Interest plus processing fees with thorough credit and collateral evaluation, centralized credit decisioning. | Geographic expansion, refined risk assessment, digital credit platforms, and focus on collateralized loans. | Secured Business Loan, Solar Business Loan |
