| Housing Finance | Secured retail loans for home purchase, construction, and improvements with up to 20-year tenure. | Extensive branch network, technology-driven underwriting, strong governance, established lender relationships, and niche focus on affordable housing. | Primarily B2C serving low and middle-income customers, predominantly self-employed and women in Tier II/III cities. | Retail home loans with lower credit cost and secured lending products. | 10365 | 100 | Interest income on loan portfolio, loan processing fees, and securitization gains. | Fixed and variable interest loans with competitive rates based on risk and tenure. | Rapid expansion in underserved housing finance market, branch growth, tech-enabled underwriting, and co-lending partnerships. | Home Loans, Loan against Property, Home Equity Loans |
