| Affordable Housing Finance | Home loans for purchase/construction, loans against property, developer project financing | Centralized credit underwriting with proprietary ML models, scalable technology, strong lender relationships, wide branch network | Primarily B2C first-time home buyers from salaried and self-employed low and middle-income segments | Housing loans with low loan-to-value ratio and new-to-credit customers | 12713 | 100 | Interest income on housing and related loans plus fees from loan processing | Loan interest with competitive rates, no prepayment penalties, and paperless digital processes | Rising affordable housing demand, expanding reach to underserved credit segments, tech-driven underwriting | HomeFirst Housing Loans, Developer Finance, Loans Against Property |
