| Digital Retail Lending | Instant personal loans to self-employed and individuals via mobile app. | Proprietary data analytics, streamlined digital lending, instant app process, strong credit underwriting. | B2C - Self-employed professionals and individuals with good credit scores. | Personal loans to low-risk borrowers with high credit scores (>700 Equifax). | 3 | 23 | Interest income on personal loans disbursed digitally. | Interest-based with risk-adjusted pricing; digital app driven. | Rising digital adoption, expanding credit penetration, and quick loan disbursal technology. | IBL: Instant Personal Loan app |
| Institutional MSME Lending | Financing solutions for MSMEs through tie-ups with 36 national NBFCs across India. | Strong institutional network, fintech-enabled underwriting, and diversified credit portfolio. | B2B - MSMEs served via financial institution partners. | Loans to MSMEs through vetted financial institution partners. | 10 | 77 | Interest income and processing fees from institutional lending partnerships. | Lending margin from institutional loan portfolios and partnership fees. | Expanding MSME credit demand, network of NBFC partnerships, and government support for SMEs. | N/A |
