| Housing Finance | Home loans for construction and purchase primarily in southern India targeting retail customers. | Established relationships with Indian Bank as holding company, and extensive branch network in key cities. | Retail individual home buyers, rural and urban housing markets (B2C). | Loan servicing and recovery management areas yield relatively higher margins. | 0 | 100 | Interest income from loans, recovery of non-performing assets, and associated housing finance fees. | Interest-based lending with regulatory guidelines; loan repayment over agreed tenure. | Regulatory initiatives to revive housing finance, and increased demand for affordable housing. | |
