| Vehicle Financing | Loans for new and electric two-wheelers and three-wheelers via dealer network and direct customers. | Strong dealer relationships, rapid loan approval technology, and diversified funding sources. | Retail vehicle buyers and dealers; B2C focus with strategic B2B dealer relationships. | Used EV financing and new vehicle loans with lower credit risk. | 180 | 72 | Interest income from loan disbursements and fees on vehicle financing products. | Tiered interest rates based on credit risk assessed with quick underwriting and digital processes. | Rising demand for EVs and rural vehicle financing; enhanced digital underwriting reducing turnaround time. | New 2W Loans, New 3W Loans, EV 2W Loans, EV 3W Loans |
| Used Car Loans | Loans for purchasing pre-owned four-wheelers with quick sanction process targeting salaried and self-employed individuals. | Fast loan processing with simplified documentation and growing customer base. | Retail customers in urban and semi-urban areas; B2C segment. | Loans with shorter tenure and higher collateral coverage. | 30 | 12 | Interest on loans granted to customers purchasing used cars. | Competitive fixed and floating interest rates with collateral security. | Growing used car market and expanding vehicle ownership in Tier 2/3 cities. | Used Car Loan Product |
| Small Business and Personal Loans | Collateral-free and secured personal and business loans targeting MSMEs and salaried individuals. | Customized credit solutions, paperless processing, and strong digital infrastructure. | Small businesses, self-employed individuals, salaried professionals; mixed B2B and B2C. | Collateral-free personal loan products. | 40 | 16 | Interest income and processing fees on business and personal loans. | Flexible repayment options and digital application processes with risk-based pricing. | Expansion in MSME segment and growing demand for convenient credit solutions. | Manba Vyapaar Loans, Personal Loans |
