| Financing Activity | Vehicle finance including new and used two and four wheelers, commercial vehicles, personal and business loans | Strong dealer relationships, broad geographic reach, robust risk management, trusted brand in vehicle finance | Primarily B2C retail customers, with some B2B SME and corporate lending | Used car loans and loyalty loans have higher margins due to niche market and customer retention | 4384 | 95 | Interest income from loans, fees from loan processing and servicing | Interest based on loan product; largely recurring revenue from EMI payments | Increasing vehicle ownership, expanding dealer network, introduction of digital loan sourcing | Two-wheeler loans, Used Car loans, Commercial Vehicle loans, SME loans, Loyalty Loans |
| Agency Activity | Financial advisory, insurance distribution, mutual fund products | License as IRDAI corporate agent, tie-ups with leading insurers and mutual fund companies, strong customer base for cross-selling | Retail customers seeking financial and insurance products | Wealth management and insurance advisory with recurring commission income | 45 | 5 | Commission and fees from advisory and insurance sales | Fee and commission based revenue, recurring through renewals and asset under management | Regulatory licenses obtained recently, growing financial product penetration, cross-selling to existing clients | Insurance Corporate Agency, Wealth Management Services |
