| Non-Banking Financial Services | Vehicle financing, SME business loans, mortgage loans, working capital loans. | Established regional brand with strong local presence, high capital adequacy ratio, and regulatory compliance. | Small and medium enterprises, individual borrowers for vehicles and mortgages within Karnataka. | Vehicle and SME loans yield higher margins due to specialized financing products. | 7 | 100 | Interest income from lending and loan management fees. | Interest based on loan type; products offered through direct sales and branch network. | Growing SME sector and vehicle market in Karnataka drive loan demand; solid capital adequacy supports expansion. | |
