| Fund based activity | Gold loans, MSME loans, home loans, personal loans, secured and unsecured financing products. | Strong brand presence, extensive distribution network, technology-enabled lending platforms, and strong risk management. | Retail customers and MSMEs primarily in India. | Gold loan and affordable housing finance have higher margins due to secured lending. | 4988 | 98 | Interest income from loans and advances; fees from loan-related services. | Interest-based lending with competitive rates; fees for services. | Increasing credit demand from MSMEs and affordable housing finance segment; branch expansions and refinance support. | IIFL Home Finance, IIFL Samasta Finance |
| Others | Broking & advisory services, portfolio management, mutual funds distribution, insurance products. | Technological edge with digital platforms like 5paisa and established client base in financial advisory services. | Retail and institutional investors; mutual fund and insurance customers. | Asset management and brokerage services yield higher margins. | 107 | 2 | Brokerage commissions, management fees, insurance commissions, subscription fees. | Transaction-based brokerage and asset management fees; commission on product sales. | Growth in retail investing, digital broking platforms, and expanding mutual fund AUM. | IIFL 5paisa Brokerage, Asset Management |
