| Retail Finance | Vehicle loans (new/used cars, two-wheelers, commercial vehicles), consumer durable loans, micro-enterprise and agriculture loans. | RBI registration, legacy market presence, quick online loan approvals, secured mortgage-based loans, specialized MSME focus. | Primarily MSMEs, individual consumers, farmers; B2B and B2C. | Vehicle financing especially electric and commercial vehicles have better margins due to secured lending. | 1 | 100 | Interest income from leasing and hire purchase finance along with loan processing fees. | Competitive interest rates with flexible tenure loans; direct sales through online and offline channels. | MSME funding needs, vehicle industry growth including electrification, streamlined online loan processing. | |
