| Financial Services | Asset finance, working capital loans, loan against property, corporate advisory, life and general insurance. | Strong RBI registration and compliance, customer-centric service model, niche focus on SME sector, unique disbursement process. | Primarily Small and Medium Enterprises (SMEs), some individual retail customers for insurance. | Loan against property and insurance services yield higher margins compared to working capital loans. | 4 | 100 | Interest income on loans, fees from advisory, commissions from insurance distribution. | Interest-based lending, fee-for-service advisory, commission on insurance products. | Increasing SME credit demand, OTS settlement improving lender confidence, adoption of IT tools for service delivery. | |
