| Lending business | Enterprise Lending, Asset Finance, Consumer Finance offering diversified loan products. | Strong parentage (HDFC Bank), vast branch network, diverse products, disciplined risk management, and AAA credit rating. | Retail individuals, MSMEs, and small businesses (B2C primarily). | Personal loans and consumer finance segments show higher margins. | 15084 | 93 | Interest income from diverse loan portfolios and fee income. | Interest-based lending; varied tenors and structures per product. | Loan book expansion, customer acquisition, product innovation, and digital distribution channels. | |
| BPO Services | Business process outsourcing including back-office, collections, sales support for financial services. | Established infrastructure and expertise in financial domain BPO services. | Primarily B2B customers, including promoters and financial firms. | Collections and sales support services. | 1217 | 7 | Fee-based services contracts mostly with promoters and lending clients. | Contract based and recurring service fees. | Rising demand for outsourced services in financial sector and digital automation. | |
