| Housing Finance | Home loans for purchase, construction, extension, and home improvement. | NHB registration, regulatory compliance, prudent risk practices, and niche affordable housing focus. | Retail salaried and self-employed professionals focused on affordable housing. | Individual housing loans to salaried professionals constitute highest quality and margin. | 13 | 100 | Interest income from retail home loan portfolios and developer financing. | Interest-based lending with assessed credit risk; loan repayments generate recurring revenue. | Affordable housing demand, focus on low-risk segments, regulatory support for housing finance. | India Home Loans Affordable Housing Loan |
