| Commercial Vehicle Finance | Loan against commercial vehicles catering to transporters and small business owners | Deep industry knowledge, large branch network, first mover in tier 4 & 5 cities | B2C focus on transport entrepreneurs, self-employed, truck operators | Used vehicle financing and passenger vehicle loans | 1256 | 77 | Interest income from loan portfolio; fees from loan processing and services | Interest-based lending with disciplined underwriting and risk pricing | Robust demand in transport sector, expanding fleet ownership, referral sourcing advantages | Commercial Vehicle Loan, including used and new M&HCV, LCV, pickup, buses |
| Micro Loan Against Property (Micro LAP) | Secured loan against residential and commercial properties, focused on ticket sizes under ₹10 lakh | Localized underwriting, IT-enabled credit assessment, shared branch network leveraging vehicle finance footprint | Self-employed and salaried individuals in tier 3 and lower towns, B2C | Small ticket loans with high turnaround | 128 | 8 | Interest income from retail secured micro loans | Retail interest rate loans with disciplined risk framework | Expanding retail loan portfolio, product innovation addressing underserved markets | Micro LAP product targeting small businesses and rural entrepreneurs |
| SME and Large Corporate Finance | Working capital and term loans for SMEs and large corporates | Strong credit risk management, diversified funding sources | B2B focus on SMEs and large corporate clients | SME loans with prudent underwriting | 78 | 5 | Interest income and fees from loans to business clients | Structured credit lending with risk-based pricing | Selective credit expansion in business lending | SME Finance and Large Corporate lending solutions |
