| Loans | Housing finance to individuals, developers, plus non-housing loans to corporates and individuals | Strong brand, extensive distribution, highest credit ratings, promoter LIC backing | Primarily B2C individual borrowers; some B2B corporate and developer clients | Individual housing loans and specialized lending products | 28056 | 99 | Interest income, fees, origination charges | Primarily interest-based loans with fixed and floating rates | Retail housing demand, Tier 2/3 city expansion, product innovation | Individual Housing Loans, Loan Against Property (LAP), Project Finance, Lease Rental Discounting (LRD) |
| Other Segments | Asset management for venture capital and infrastructure funds, financial product distribution, senior living facilities | Exclusive investment funds, first-mover senior living projects, subsidiary operations complement core lending business | Investors, financial services customers, senior citizens | Asset management fees and financial services commissions | 114 | 1 | Management fees, commissions, rental income | Fee-based, commission and rental income | Growing alternative investment funds, expanding financial services portfolio | LICHFL Asset Management, LICHFL Financial Services, LICHFL Care Homes |
