| Retail Banking | Deposits, retail loans, credit cards, and digital banking services to individual customers. | Extensive branch reach, trusted government backing, and robust digital infrastructure. | Retail individuals, salaried and self-employed customers (B2C). | Personal loans, mortgage financing, and digital payment platforms. | 29124 | 47 | Interest income, fees from loans and payment services. | Interest rates on loans, fee-based charged services, tiered loan products. | Rising retail credit demand, digital product adoption, and expanding branch network. | Home Loans, Auto Loans, Personal Loans, Jewel Loans, IndSMART Biz |
| Agriculture and MSME Banking | Loans and credit support tailored to farmers, small and medium enterprises. | Recognized leader in priority sector lending with strong rural branch presence. | Farmers, Micro and Small Enterprises (B2B, B2C). | MSME loans with risk-based pricing. | 25467 | 41 | Interest and service fees on priority sector loans. | Subsidized and priority sector lending with government policies support. | Government schemes, financial inclusion efforts, MSME loan penetration. | Crop Loans, Microfinance, MSME Loan Against Property |
| Corporate/Wholesale Banking | Corporate loans, treasury services, and trade finance to large businesses. | Strong government relationships and treasury expertise. | Large corporates, government and institutional clients (B2B). | Trade finance and infrastructure loans. | 23858 | 38 | Interest income, fees from corporate banking and treasury services. | Negotiated interest rates, fee-based treasury products. | Infrastructure financing, government projects, and corporate credit demand. | |
| Treasury | Investment in government securities, bonds, and money market instruments. | Experienced treasury team and robust risk management. | Internal segment, regulatory and market driven operations. | Government securities and strategic investment portfolio. | 17177 | 28 | Gains from investment portfolio, interest income from securities. | Market-linked yields and gains from asset management. | Active portfolio management and rising interest income. | |
| Digital Banking | Online and mobile banking products, digital payments, and fintech partnerships. | Innovative technology adoption and wide fintech partnerships. | Retail and MSME digitally native clients. | Fee income from digital transactions. | 1 | 0 | Fees from transactions, subscriptions, and digital product usage. | Fee-based, usage-driven pricing models. | Growing digital adoption and fintech collaborations. | IndSMART Biz, Bharat QR |
