| Asset Financing & Hire Purchase | Hire-purchase finance for machinery, equipment, vehicles; leasing finance primarily servicing SMEs and commercial customers. | Strong risk management, regulatory compliance, diversified customer base, and longstanding presence with NBFC license. | Primarily small and medium enterprises, retail customers, and commercial businesses; operates in both B2B and B2C segments. | Hire-purchase and secured asset financing provide higher margins due to collateral-backed lending. | 2 | 100 | Interest income from loans and hire-purchase agreements; service fees. | Interest-based financing with structured repayment installments over hire-purchase agreements. | Increasing demand for asset financing among SMEs, focus on rural and urban markets, and sound risk management practices. | |
