| MSME Lending | Collateral-backed MSME and business loans for capital and expansion needs. | Strong local branch network, relationship-driven credit appraisal, RBI priority sector lending benefits. | Small businesses, entrepreneurs, self-employed in semi-urban and rural areas (B2C). | unsecured personal & business loans within MSME segment. | 550 | 38 | Interest income, loan processing fees from MSME lending. | Cash-flow based risk-aligned pricing with collateral security; branch-led sourcing. | Growing MSME sector demand, financial inclusion focus, branch expansion. | MSME Loans, Business Loans, Mortgage Loans |
| Vehicle Financing | Loans secured by vehicles for personal and commercial use. | Strong penetration in Tier II/III markets, digital underwriting, and fast turnaround. | Vehicle owners, transport operators, rural and semi-urban individuals (B2C). | Commercial vehicle financing with secured collateral. | 700 | 48 | Interest income and fees from vehicle loans. | Asset-backed collateralized loans with negotiated pricing; branch and tech-enabled processing. | Increasing vehicle ownership, rural mobility growth, branch-geographic expansion. | Commercial Vehicle Loans, Used Car Loans, Tractor Loans, Two-Wheeler and Electric Vehicle Loans |
| Construction and Other Lending | Loans for construction, personal needs and wholesale on-lending portfolios. | Complementary portfolio diversification, cross-selling via branches. | Small borrowers, personal loan customers, and wholesale borrowers (B2C and B2B). | Personal unsecured loans. | 140 | 10 | Interest income, fees from loans and on-lending activities. | Collateral and unsecured loans with tiered pricing. | Real estate growth in emerging markets, personal finance needs. | Construction Loans, Personal Loans, Wholesale Lending |
